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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Their C/S reps are the rudest people ever encountered....when you ask to answer the survey, they transfer you back to the queue or completely hang-up so that you can't get to the survey with their employee ID to identify them. They mark you account as you being a 'flagged' trouble-maker and then hang up again so you have to go back through that insipid and uselss computer screening where the rep asks the same questions all over again. By the time they get a rep on the phone, you have wasted 3-5 mins and you are already agitated. They charge enourmous amounts of money, want you to pay a large co-pay or deductible and the dr offices want you to pay in lump sum. I don't want a credit card to please them....I can hardly walk...their dental service is even worse.

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I submitted flexible account request, since January, and they wont't pay, because my account is on hold.

I asked why, and they gave no reason!

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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 !!!!