Complaint / review text:
I enrolled with United Health Care effective Jan 1,2015. After seeing my PCP I was referred to see an Orthopedic on Jan 27,2015. After my visit, I received a bill from my doctor stating that this claim was denied. UHC claimed that this visit was not authorized or authorized after the fact and they would not cover this. Each time I have had to visit a doctor UHC has basically turned down my claim almost every time. It's like I don't have Insurance although my premium is $605 monthly.
In March I received a notice letting me know that as of 4/01/15 I would not be eligible to enroll in the program. I had several appointments scheduled in April 2015 and I needed to get my medication refilled. On 4/01/15 I tried to use insurance but found that my insurance coverage was canceled and I was not able to see my doctor, therefore I had to cancel all my appointments and get samples. I found an agent who re-enrolled me back through marketplace. However, she chose United Health Care. The worst thing I could have agreed to.
After my agent re-enrolled through UHC they took out the first payment in April 2015 for May 1 2015, even though I was not able to use the insurance until mid-May 2015, but on June 1,2015 they took out a double payment. My coverage ended 3/31/15 and I was not able to received coverage again until mid-May 2015. They have charged me for a month and half of coverage that I did not have and has not returned my money. And every time I file a claim they find a way not to cover the claim. I do not understand how they do people this way and remain operating. I have been trying for over 2 months to get my money back. Something needs to be done.