Complaint / review text:
My husband's employer uses UHC. I'd recently left my job so we decided instead of buying coverage through the state marketplace to put me and our children on my husband's policy. First sign of trouble: I kept my maiden name (been married for 16 years) which UHC found suspicious. They needed proof we were actually married. So we navigated that hoop. Both my daughter and I take medication for ADHD—UHC one day refused to cover the safest, non-stimulant, non-addictive medication that was working very well for my daughter. We fought with the insurance company for a month. Our local rep told us it should have never been covered in the first place, and suggested complaining about the sudden denial would alert them to the mistake, "they may back charge you." So we fought some more.
I complained to the insurance commissioner... UHC won. We had to switch my daughter's medication. Then UHC refused to cover my medication, which I've been taking for 20 years with zero side effects—has worked great. First they wanted prior authorization. That took 6 weeks. My doctor had to call them repeatedly, fill out forms. I finally got a letter "good news, your prior authorization was approved and will be effective through 12/31/15." I was confused when I went to pick my prescription up, and they told me “UHC needed prior authorization”. I spent 2 hours on the phone. They told me I was issued a new insurance ID because someone entered my social security number wrong when they joined me to my husband's policy.
The prior authorization should have carried over, "it will take 5 to 10 business days to fix the mistake." Sometime in that small window of time UHC reclassified my medication to a tier 3 (zero coverage). It was listed on the website as a tier 1 drug. It was listed in their annual drug list as a tier 1, but no matter, the insurance company can reclassify drugs whenever they choose. That was the last straw for me. I was able to get private insurance for me and my children, because my husband's employer wasn't subsidizing our coverage.
My husband is stuck with them, though. He severed his Achilles' tendon—UHC denied various radiology procedures, because who cares where the tendon was severed. The surgical center is threatening to sue us while we battle with UHC to cover their portion of the medical expenses— I've never been treated so badly in all my life. It makes me very sad to see how many others are being treated the same. An insurance company should not be allowed to operate this way.