United Health Care

I have United Health Care. I pay $400. a month. About 11 weeks ago, I was sent to a pain control doctor, who thinks I have a ruptured disc. UHC says it's my responsiblity to pay a $2500. deductible toward the MRI, the hospital charges $2700. I am unable to walk now, and the doctore suggested I go to the ER for a shot, presumably cortisone, I called for prior authorization. The nurse said she can only advise, not authorize treatment. I asked who could. She told me that I had to call during regular business hours for authorization. She did recommend to go to the ER, my copay is $200. and if they don't authorize, which is likely, based on the other complaints I've heard, it could cost $1000.'s. So I still can't walk.

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i am having simalir problems pay 4000 a year for insurance and when i take kids or self to doctors i have to pay whole doctor bill same at pharmacy told i have to meet deductables before they pay anything at all 6000 deductable for family plus 4000 in payments equals 10000 dollars out of pocket before insurance pays anything if i had that i wouldnt need insurance they are one of the biggest rip offs i have ever seen no wonder why we need health care reform i bet uhc political donations dont wont that !!!!