Does United Healthcare Suck? Bad Service & Complaints

United Healthcare is the largest health insurance carrier in the United States. In 2018 United Healthcare generated a revenue of $226 billion. So the question is with this sort of revenue, why does United Healthcare have such bad ratings?

United Healthcare Reviews Are Overwhelmingly Negative

Multiple Names

As a consumer you may not even know that you are with United Health Group. UHG is the big daddy of UHC. It also owns companies like Oxford, PacifiCare, IBA, AmeriChoice, Evercare, Ovations, MAMSI etc.

Complaints All Over

38% of reviews on Consumer Affairs are 1 or 2 Star (lowest satisfaction ratings). That’s 279 out of 740 ratings in the past year as very negative.  Out of 740 ratings, 153 ratings are five-star ratings (21%). Obviously United Healthcare sucks on The story is similar on Yelp. There are 179 Yelp reviews and almost all are one-star ratings.  They have an average rating there of 1 star.

Consumers are also posting their complaints against the company on

Physicians Think United Healthcare Sucks

So you want to dismiss the earlier points as rants. But wait! Even the physicians think that United Healthcare Sucks. United Healthcare has been rated the lowest for four years in a row by physicians. As per MGMA survey in which 800 medical professionals participated the company has been rated the lowest for the following questions.

  • What is your overall current satisfaction with the payer? Lowest Score of 2.77/5.
  • How has the payer’s overall performance changed during the past six months? Lowest score of 2.73
  • How satisfied are you with the amount of time it takes the payer to respond toyour questions? Lowest score of 2.60/5.
  • How satisfied are you with the accuracy and consistency of the payer’s responses toyour questions? Lowest score of 2.69/5.
  • How satisfied are you that the payer conducts 2-way, good-faith negotiations during thecontracting process? Lowest score of 2.38/5.
  • How satisfied are you that the payer fully discloses its payment policies? Lowest score of 2.76/5.
  • How satisfied are you with the claims appeals process? Lowest score of 2.48/5.

United Healthcare managed the lowest rating in seven out of thirteen questions. The company did not receive the top rating for any question.

Customers Say Nay

Survey of PPO consumers in California paints a poor picture of the company. It seems the company is number one only in terms of premium collected. Their customers in California have rated the company as “Fair” (2 out of 4) for getting easy care and getting answers from the company.

United Healthcare Receives Fair Ratings in California
United Healthcare Receives Fair Ratings in California – Consumers Think The Company Sucks?


From the evidence I have presented, it is obvious that United Healthcare Sucks. The question is how much? To know that you may have to buy a policy with them. But will you?

44 thoughts on “Does United Healthcare Suck? Bad Service & Complaints”

  1. They wouldn’t cover my skin cancer diagnosis by two local dermatologists with a lot of experience in their fields. My Drs also were confused as to why the insurance company wouldn’t cover a cancer diagnosis.

  2. Their customer service sucks. I think their phone voice actuated system is deliberately set up to confuse, delay and confound people. Whomever is responsible for business processes should be fired. Their staff is not trained and the corporate culture is clearly devoid of any consideration for customer service. They just totally suck in every way and it certainly seems like it is by deliberate design.

    1. tommie campbell

      Their customer service not only sucks – it is worse than shit! I regret the day I signed on with with united health care I was lied to by the agent and I cannot get the information I need through customer (torture)

      1. United Health care customer service is the most aggravating process I’ve ever had to go through. I just saw another complaint about this. What they said was true. I believe that they do deliberately switch you around to confuse,& hold up the paying of any claims. I worked customer service for years. You would think when a rep puts in your member number everyone at UHC could see everything that was said & done. I’m so mad & frustrated I can’t see straight! I will be canceling my insurance with them. What a joke!

    2. I agree with you totally. Put in for a coverage request. Spent over 2 hours on the phone with several customer service people-none of them know what they were doing.. Had to call back several times-voice actuated system sends you to the wrong place every time. Put in request for coverage over 1 month ago. called to find out what was happening only to be told that the person I had worked with last never filled in or sent in paperwork for approval!!! I’m so angry!!

  3. This company has no empathy for my mom who was very sick ! They are rude and their customer
    service agents give out the wrong information put you on hold forever, then past you from one department to other department. At the end of the transfers they tell you they cant help you!!!
    What I cant hear you!!! You just had me on hold for over an hour and you can’t WHATTTTTT!!!
    The worst company to deal with the old and sick !!! Shame on this company!!! If you can stay far away !!!

  4. United healthcare sucks. Called 3 times to get proof of insurance spent a good 3 hours on the phone. Still no proof of insurance. a bunch of morons idiots and asses wrapped into one.

  5. I think the entire insurance industry is the problem not just one insurance company so what we need is a lemon law for insurance companies and policies that way you can throw it back if it is useless or they turn out to be full of you know what after 60 days. You can return just about everything else why can’t we simply get rid of insurance that does not work or maybe just sue them clean out UH and fire these people ourselves just need to figure out who the heck knows how to run an insurance company and find a lawyer you can sue a doctor for screwing up so it’s possible to sue an insurance company then hostile take over just sue for all of its assets or act like you might just be able to find a lawyer then just sue them the amount of your claim that they denied if the judge says you can have the money then you can have the money then if they cancel your policy then just complain to insurance commisioner and then add your money to the pan to pay the lawyer that will sue them out of existance. We know they are fooling around with the language it’s impossible to pass a law against obfascation but we might want to advocate an insurance lemon law I’m probably crazier than anyone who posts here regularly and sure am paranoid so you make your best guess and hopefully it’ll work out in your favor. I’ve been trying to get my account activated but don’t know how to do that stuff tried to deal with it I don’t do well at all with sudden things loud noises extra steps they scare me alot. What is it you believe is true?

  6. Terrible! They run you around in endless circles. Every time you call about prior authorization they tell you something different and you have to go through hoop after hoop. They suck. Never get anything completed!

  7. United Healthcare used to be decent. But ever since Obamacare rolled out, UHC has gotten worse every year. They have also continued to raise premiums yearly in the amount of 25% every year just prior to Obamacare rollout and every year there after. We are on the phone with them right now trying to get a prior authorization for a blood thinner my wife needs. We did the same thing last month and all UHC can tell us today is that the doctor did not send the prior authorization to the pharmacy. Seriously? The same process that worked last month that should have been in effect this month is not working? What we have here is a case of the kettle calling the pot black. The UHC staff appears to be poorly trained as they keep people on hold for several minutes while “trying to resolve the situation” and playing very irratable music for their on hold system. The whole thing is designed so that the consumer will get fed up and not fight for their rights. Well guess what Daddy O? Its game on. I am retired and have nothing but time. Round 1 starting now…

    1. Been trying to get my xanax filled and the company rep said you are no covered for this medicine. My health contract clearly states that I am covered. Do not know what to due.
      Can I sue them. Have two days of mess left.

  8. They told me I HAD to pay for Part D for prescriptions and penalized me for not signing up 1/1/16. I told them I do not take any prescriptions at this point (knock on wood) and asked why I have to pay them $600.+ a year for something I do not use? Answer: You have to its a law. Well I found out its only a law with them. Going to look around to find another provider.

  9. You need referrals for every single appointment with a specialist, whether for getting your hearing checked with an audiologist or meeting with a ENT regarding snoring. Just ridiculous! Worse of all, the co-pay, with the physician who writes up the referral, doesn’t cover the whole cost, and you get a bill for that “referral” appointment costing 2x more than the co-pay of $25.

    I’ll be going back to Blue Cross next open season.

  10. Oh!… also, my wife is still waiting for her personal ID card, which I’ve called and asked for twice. Nothing in the mail and it’s been weeks… and it’s practically 4 months into the year.

  11. Alford Kinsey

    Me TOOOO !!!! Every thing I HAVE READ HERE I HAVE ALSO EXPERIENCED .Retired with the state of Texas in December of 2015, this is the best the Teachers retirement of Texas can do for the employees and retires for Insurance?UHC can find all kinds of reasons to not pay or help you in any way! Katz Heitmann could not be more correct!!!!!

  12. Jim Chevalley

    Their costs are out of sight. With Humana I could add my wife for 77 dollars a month. UHC they want 499! They only refill prescriptions on a 30 day no 90. and cost is higher than Humana. So far very unhappy with UHC

  13. Just switched to Anthem. United Healthcare sucks in every way. They are the most expensive company we ever dealt with. Out out-of-pocket prescription copays cost us over $210 monthly. $400 a month premiums. Now with Anthem $330 premiums and only $87 a month drug copays.

  14. United Health Care simply sucks. They don’t even cover for Annul Check up, to hell with other checks up or diagnostics. Just avoid this company if you are in real need of insurance even if it is through your employer. There are better ones at

    On a side note, Anthem BCBS is the best of all the insurance companies I have been with.

  15. I agree! They suck! I just got a letter telling me that they will not cover a crown for a dental implant that I already have bc “the crown is not necessary”. And the next letter was even better…They are not going to cover the implant, which was already done months ago and paid for by them.
    IDIOTS! My blood pressure goes up every time I get on the phone with them.

    1. They look for every reason not to cover…my dental xrays sent by dentist to them were “too fuzzy”, for example. Delay tactics every claim?

  16. I truly believe this company instructs it’s phone agents to say no just to see if people eat the cost. Every time I call it’s a different story, and I get passed around from person to person. I have followed every hoop they want, and there is always a new hoop. This last time, after the agent literally told me that they don’t have to state certain things in their rules because people should know or assume, I wound up reading them their own rules which turned out to totally negate what the agent was telling me.

  17. Very poor customer skills. United Healthcare will steer you in circles to refill prescription. I am moving on. Next insurance company may do the same. However United Healthcare can kiss my fucking ass. Hell the already fucked me there when I bent over to refill my doctor ordered medicine.


    these people are totally inept incompetent and plain STUPID!!I have had trouble getting a refill for an existing prescription refilled even though I had six existing refills still left.i had to call them twice,the pharmacy twice and my drs office twice to get this problem resolved.I hope it doesnt happen again when i need to get another med refilled.Also they have totally screwed me by making asure a valid ct scan my cardiologist had ordered wouldnt be done at two different facilites that are not hospitals because they get bigger kickbacks from hospitals than facilities than do ct scans.I had twice had this test scheduled this week and both times had the test cancelled the day of the test and wasnt informed of this until i got there.there is a marvelous invention called a telephone and these dingbats couldnt even be bothered to call me.i had two days of valuable time wasted

  19. I was told by a dentist that I needed to replace my existing bridge. We sent in a pre authorization and it got denied. They said that was cosmetic and the only thing they would cover would be a extrusion and a partial denture. I don’t want no front teeth for the rest of my life.

  20. Approved my sleep study then turned around a week later and denied it, apparently it’s not life threatening, I found out the night I showed up for the study. Also previously denied MRI for rotator cuff injury and s stress test. Who needs these clowns? It’s like we don’t even have insurance. Then I find out the CEO is getting paid 32 million, weren’t these HMO’s supposed to streamline the process and make healthcare more affordable? Who are they kidding?

  21. They are the worst. They said I need a referral to see my obgyn. Then they said the genetic testing was not necessary on the baby even though a disorder runs in my family, now they went cover my birth control. Horrible horrible insurance.

  22. United Health Care SUCKS !! Worst gaggle of pirates ever, my wife and I are perfectly healthy and pay $1,200.00 per month for coverage we can’t use. During the course of 5 years, we have paid in $ 72,000.00 and for that we got five physicals each, so ten physicals at lets say $ 300.00 each would be $ 3,000.00 so they are $ 69,000.00 ahead of the game, so when I try to call them about a $65.00 per month prescription that I now need that is not covered, they keep passing you off to another rep. until you get disconnected. When you do get to speak to someone, you can tell its some shlep that is reading off a Q card. Nothing is ever covered, but they want you to send in your monthly premium, F.O. United Health Care !!

  23. UnitedHealthcare SUCKS since they refuse to pay for dexcom! Medicare even won’t cover it. I have type 1 diabetes for 50 years. UHC/Medicare is the WORST!

  24. Thomas Gaines Jr

    I totally agree. I am a provider who has been cheated (screwed) multiple times by United Healthcare, due to their giving totally bogus reasons (and outright lies) to deny legitimate claims. I will no longer knowingly accept patients from this POS company (who pays its CEO 7 figures, probably to figure out more ways of cheating people).

  25. James Matters

    They lie.
    They cheat.
    They Steal.
    They drag out claims for months until you just get tired of fighting.
    You can’t beat them.
    You always lose, even if you win.

  26. UHC will not cover you in any way!!! Companies need to do their research on this piece of shit for an insurance company before using them to cover their employees. They do NOT pay, but you definitely will!! Companies, get rid of these rip off insurance companies!!! You are putting your employees at risk. STOP being petty and cheap. Grow yourself a heart!

  27. Pharmaceutical & Preauthorization’s
    Takes your Premiums & Kick you right in the Berries.

    I have never had so much frustration from an insurance company trying to get my medications, the preauthorization process which has already taken 4 weeks because they continually request one more thing from the doctors over & over. Then after you have the preauthorization’s & go to fill your medications they deny the preauthorization number that they just issued you & tell you that they need to reevaluate the previous authorizations as a whole & your doctor now needs to make a direct call & provide the same information in order for United to issue a new preauthorization for the already preauthorized medications; have I lost you yet? Ya me too, as well as my Doctor being frustrated with United (they are now evaluating whether to accept new patents covered through United due to this garbage), my Pharmacy has had it with them, all have said they have never had so much problem with an insurance company. We are now going on two months in this review process for medications that I have been on for 10 years, something is wrong with their system. I don’t have enemies but you know how they say “I would not wish them on my worst enemy” I would have to wish them on themselves. I was once on Medicaid & in my humble option these guys are 10 times worse, I WOULD NOT RECOMMEND THEM & would advise you to RUN THE OTHER WAY!!! JR Giles

  28. United healthcare SUCKS . Deductibles are to expensive, and premiums are to high. MEDICARE FOR ALL BERNIE 2020

  29. They’re so bad that I would consider it a deal breaker for any prospective employment opportunity. I won’t even go on an interview if their health benefits are United Healthcare. Too many medical services won’t accept this crappy insurance and they deny a lot of basic coverage. UNITED HEALTHCARE SUCKS

  30. Horrible, and there is nothing can be done by us!!!!!!! United Healthcare sucks!!!!
    They are part of healthcare scam in this country .
    I had ultra sound done , and even it is not listed under radiology services which there is copayment of $200, they say it is special imaging or whatever they call it. Sent me bill.
    They listed all of most common radiology services , including CT , MRI , PET , but not ultra sound , most common procedure I am sure .
    They told me that they have so many scanning procedures , they can not fit them all in booklet provided by them!!!. Unfortunately, it became worse throughout years as this same procedure was covered some year ago. :(:(:( . So sad for hard working people paying this crap for yourself and others!

  31. I despise United Health Care. I’ve had 7 prescriptions in a row denied. These were NOT controlled substances. Then the consumer must go through an act of Congress to jump through hoops to obtain the needed prescription!!!

  32. I despise United Health Care!!! I’ve had 7 prescriptions denied in a row, and then I and my physician had to jump through their hoops to obtain the needed prescriptions!! These prescriptions were NOT controlled substances! Prices for prescriptions are outrageous!!!! A pharmacy coupon had me paying 11.00 per month for Metacarbanol where United charged 32.00 with my insurance!!

  33. Why complain..just move to another country and get better overall healthcare..US is 37th in world ranking for healthcare. While it is true you still have to keep medicare while being expat in another country just in case you get homesick and want to move back. Most countries charge about $2000 a year for complete coverage in their healthcare system. If you add it all up you may come out ahead by $500 a year.

  34. United healthscare sucks. They have denied my 90yr. mother her medicare coverage twice. First Appeal WON. Second appeal notified Fri 4/10, notified care facility coverage would end 4/13.
    Nobody works at Heatlhscare on the weekend. Today granted 2day extension, no return phone calls from customer service supervisor ——–, have called 3times and left messages. I hope when they need healthcare, they get the same sh—y service. No regard or respect for human lives, just a bunch of careless clinicians. Lots of apologies, 7 on the last phone call, still no action to correct the obvious problem.

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