Complaint / review text:
My wife gave birth four months ago and since then, the claims by UHC have been postponed waiting to get "other" insurance information. My wife was employed and she was covered under her employer's health plan. She was also covered under my plan which I was paying premiums for the whole family. I was under the impression that I have my family covered with the best insurance options money can buy with little or no out of pocket expense if required by visits.
Today, I received that my claim has been denied because they don't allow "Duplicate" benefits. So if one insurance pays 80%, that's the limit all insurances would pay—which is a load of! Why would anyone pay two premiums to get what he can with a single insurance? It doesn't make any sense whatsoever. I was given the option to appeal but as the representative mentioned, these are the plan's rules and there's little to nothing that can be done. I have to appeal in writing if I want anyone to look at it.
These thieves have been happy taking my hard earned cash, negotiating whimsical fees with the doctors while keeping the hefty charges on our tab and still want to go after our monthly premiums. I wish we had an alternative. Or somewhere we can complain and be heard. This is not fair.
When we signed up for this plan, it was the best my employer could offer. I bit the bullet and paid the premium to keep my family covered. But this is insane, this is robbery in broad daylight and we, the people who pay premiums are unable to do anything about it. We're at the mercy of these greedy companies that care for nothing other than their bottom line at the end. When I signed up for this plan, no one said anything about duplicate benefits. Not even the lady explaining the different options. How did this suddenly become the case? I have no idea.