My wife is a terminal emphysema patient, she has had a lung reduction surgery, and has a very poor quality of life. She struggles every day to just fight for enough oxygen to get her through the day, she can very rarely leave the house, and when she can it is only for limited periods of time due to the 4 litres of oxygen required to keep her breathing.
My employer changed insurance in August of last year. We were with the other insurance for about three years. My wife requires an oxygen concentrator for home, bottles for when she can get out, and was placed on a non-invasive ventilator to get her through the night. The other insurance paid for the ventilator, minus my co-pay, for three years with no issues. The machine helps remove the carbon dioxide from her lungs all night. Making for a better day for her the next day, and she has had to use the ventilator during the day when her oxygen levels fall low. Use of the machine pulled her oxygen levels back up, (I assume because of the removal of the carbon dioxide, allowing for better lung function)
United healthcare paid for the machine for four months, September through December, Then in April, I got a letter stating that the ventilator was "experimental" and "not medically necessary" and in May we started receiving collection calls from Apria, the provider of the machine. Note: I never received a bill other than the normal amount each month, which I have records of, and I paid the entire balance due, even though the records recently provided show that United Healthcare quit paying in January.
I have been back and forth with the non-english speaking reps from Apria, as has the advocate from the pulmonologist office, trying to straighten this out. Appeals have been filed and denied.
During this process, somehow, Apria has decided I now owe them $4500 additional dollars for the ventilator, that is due and payable immediately, even though I receive NO BILLING for that amount. Amazingly, after bringing this to their attention, a bill for that dollar amount appears added to the regular May billing. (The collection calls started in March)
United Healthcare, has taken the place of my wife's pulmonologist, who is board certified, and an expert in his field, and determined that he does not know what he is doing. "Not medically necessary" is that for them to decide or her doctor of fifteen years? Why did the other insurance company not question the addition of the ventilator to her care?
Apria just left our house, they arrived, unannounced, and removed the ventilator from our house, and said it was the only way to "stop the billing" no alternate machine, no options, just give us our machine and sign this 30 page document in legalese allowing us to do whatever we want.
I am disgusted with the entire process, the lack of communication, and now I have a terminal wife, with no ventilator, and a bill for god knows how much that is hanging over my head, all due to the ineptness of United Healthcare and Apria.
I am not sure what to do now, a trip to the emergency room is $500.00 (also payable immediately, before any services are provided) and without the ventilator I am sure we will be there countless times. My greatest fear is now I may lose my wife of 30 years because the Trillion dollar health insurance industry decides who gets what care, not the trained doctors who deal directly with the patients on a daily basis.
I can't get anyone on the phone to cancel my policy. They give you one contact line. I have spent 6 total hours on hold between all the times I have called. I'm actually still sitting on hold with them and it has been 2 and a half hours. I have attempted to contact sales because it is the only line that is open. They send you right back to customer service. I'm not even sure if customer service people really exist for this company. Total scam artists. I signed with this insurance initially because the sales man told me they would cover my prescriptions. Not the case. EVERYTHING IS A PREEXISITING CONDITION. Look elsewhere. This company is crooked.
I have been on United health care ARRP medicare PPO for a few years and I am finding that the providers on the net work are not providing the services and over billing. my twenty percent is not disclosed at the time of the procedure and I recieve bills that are not adjusted by the insurance company. also, to discover that United Health care ARRP has contractual amounts for the procedure with the providers that they will not disclose the amount to me until after they recieve the bill.
So I am not sure what the twenty percent of the cost will be. It should be fully disclosed at the time of service or before the service so that I may find a provider that is within my budget and gives quality care. i have been over billed by the provider and charged up front for medical equiptment from the provider instead of them giving me the prescription so that i may go get the medical equiptment at a better price. The provider states that united denies alot of claims and so they need the money up front for the equiptment. i called United and they stated that they never recieved the claim yet, I do have the copy of the denied claim and the provider put 1,200 for the equiptment and it only cost me 25.00 at the medical equiptment company and the provider also, had me come in 5 times at 50.00 per visit and still did not resolve my situation and also, chargers the 50.00 just to read the medical report from an exam that they ordered. It should be included into the visit fee.
My cardiologist sent me to an out patient center and stated I was approved yet, at the time of the procedure I was not informed of my twenty percent. So when I got my bill from tenant corporation it was 81,000for the procedure and then I called United and they stated it was not the contractual amount and the bill would be adjusted and it was to 1800.00.
another area is that my primary and other primary physicians are not going to see a patient if they do not have their co pay even if its in a very serious situation. So the deal is that the physician gets the co pay and then they get the rest of their fee from the insurance company. So they are making at least 120.00 per visit. United health care is recieveing at least 900.00 per month per patient that opts out of staright medicare to give the necessary care the patient needs instead of the governement managing it. So 900.00 per month x lets say.... 200,000 paitents. they have a steady cash flow. CASH COW.
Yet, they take more than 30days to resolve a claim. what is going on..
also, the HMO vs. PPO is biased. not many good doctors on the HMO vs. the PPO plans. The doctors are the problem they are way overpaid and too specialized and the American medical association is protecting their incomes.
I can only add to the existing reprots about Joe Langer or Joe Wagner, Scam Artist.
I entered into an agreement in 2009, after I decided to take a chance to see if this would augment several other health care product lines I was representing. All of the positives evaporated into thin air and I concluded I had been scammed. Unfortunately, the terms and conditions seemed to be so carefully constructed, there was little I could do to recover my investment which was fortunately less than some of the others reported on several websites.
After I visited the office and spoke with several references, I concluded that the company was small and not well organized, but otherwise legit, though risky. The office appeared to be a legitimate operation and was probably one of the reasons I went forward with this deal. Guess everyone involved was in on the scam.
If Crooked Joe is still among the living, we should collectively file a complaint with Florida leading to an arrest and criminal conviction of this slug. He belongs in prison!
When I was an insurance agent for Farm Bureau Financial Services, I purchased a Disability Policy through an Agents Association.
In time I had to apply for permanent Disability and had no trouble with the process and immediately requested that $300 be deducted monthly for FIT to be applied to a tax debt. The first check arrived minus the $300 as requested. This was December of 2006.
In 2008, I became aware that my withholding was not being sent to the IRS. That is when I began making phone calls. For two years, I made phone calls, faxed information to one person after another including the IRS. In 2011 I told UnitedHealthCare Insurance to discontinue taking withholding from my monthly benefit as I didn't want any more money disappearing. I also made it clear that the IRS was working on the situation.
That was the first year I received a W-2 stating I had untaxable benefits and it also showed that partial year of withholding. I asked them to send W-2's to prove they deducted the amounts and that they sent the money to the IRS.
At this time, they owe me $14,700, plus interest and penalties that I am being charged by the IRS. Lawyers are too expensive but this is a horrible thing to do to someone who bought this policy through their Agents Association in full faith.
I SIGNED UP FOR THE $400/MONTH BRONZE PLAN WITH PRESCRIPTION SAVINGS PLAN..ONCE I SIGNED UP FOR THAT PLAN, I THEN FOUND OUT IT DOESN'T COVER MAIL ORDER PRESCRIPTIONS, OR MOST PRESCRIPTIONS IN GENERAL.
I CALLED FOR ASSISTANCE AND BASICALLY WAS TOLD, "SORRY WE CANT DO ANYTHING...." I BASICALLY WAS LIED TO OR TRICKED PRIOR TO SIGNING UP FOR THIS PLAN, AND NOW EACH TIME I CALL ITS BASICALLY "TOO BAD FOR YOU" ALSO, WHILE APPLYING IT ASKED FOR MY PCP, SO I PUR THEIR NAME IN. HAVE BEEN SEEING THIS SPECIALIST FOR YEARS NOW. THEY PUT SOME RANDOM DOCTOR AS MY PCP. NEVER HEARD OF HIM.
WAS TOLD I CANNOT CHANGE IT TO A SPECIALIST, HAS TO BE PCP. SO NOW I GUESS I HAVE TO GO SEE SOME RANDOM DOCTOR I DONT KNOW TO GET PRIOR AUTHORIZATION FOR SOME OF MY MEDICATIONS. WHICH MAKES NO SENSE, BECAUSE IN THE END THE HEALTH INSURANCE IS BASICALLY PAYING FOR A RANDOM DOCTOR WHEN I HAVE MY OWN.
I CANT WAIT TIL NEXT OPEN ENROLLMENT SO I CAN CANCEL!
I AM IN THE HEALTH CARE FIELD, AND I MAKE SURE I TELL EVERYONE ABOUT MY PROBLEMS WITH UNITED HEALTH.
I applied for Obama care, paid my premiums for the last 4 months. I have spent counless hours on the phone to get service and have never recieved any help to get a D. or hospital. I have also sent e-mails.
Hi. I have Medicare for the past 3 years. It was with Care Improvement Plus. There was no copayment, no monthly charge. Now.. United Healthcare takes it over and they started sending me a bill, plus there is a deductible and a copay. I have never had to use my Medicare I go to the VA but my guard is up. I am NOT gonna pay them, but am gonna try to get rid of the insurance, get another provider.
Care Improvement Plus was better than this. In addition to the zero monthly premium, they had a patient advocate that helped me with LiHEAP, Food stamps, and other benefits for Seniors and the disabled.
So be advised.. this company's poor service and uncaring have got me on the alert. I am lucky that I have not tried to use the benefits, but the way they are going after me for money already has me wary. I have never used the Medicare...and I was never charged before. They seem very poorly organized, and only interested in what they can collect.
Health care in the United States continues to be the most expensive in the world by far, by FAR and the most expensive. They just MAKE it complicated, so they can rip you off!
Dear sir, im claiming the united healthcare grievance and claims filing repot today. plus legal services and claims despute. i want to say that i want to reinstate the policy aarp/medicare complete plan 1 with (10) additional riders plus dental platinum, H3659,pbp#003, payer id#87726, health plan#911-87726-04, member id#974649165-00 i want full reinstste ment for claims. some didputes about late charges and not receiving payment by mail. i want to clear these maters up and i want the policy back and late charges reinstation them. while on-line, i filled out several riders in addition to the up-dated policy. i have to have all of these things today. also the coupon book is rather expensive about $200. asking for dental/platinum rider plus cosmetic surgery,nursing home care,and added health reform riders too. also, $0 co-pay too. i have sent these papers in the mail to your office united health care and claims office too. i have not received any word from you yet. i want the dispute solved today and reinstste my policy AARP/medicare complete plan 1 plus(10) riders plus dental platinum today. asking help from legal services too. thankyou, thankyou, happy holiday, iris c, cleveland, ohio,44128.
United HealthCare Services, Inc. Reviews
My wife is a terminal emphysema patient, she has had a lung reduction surgery, and has a very poor quality of life. She struggles every day to just fight for enough oxygen to get her through the day, she can very rarely leave the house, and when she can it is only for limited periods of time due to the 4 litres of oxygen required to keep her breathing.
My employer changed insurance in August of last year. We were with the other insurance for about three years. My wife requires an oxygen concentrator for home, bottles for when she can get out, and was placed on a non-invasive ventilator to get her through the night. The other insurance paid for the ventilator, minus my co-pay, for three years with no issues. The machine helps remove the carbon dioxide from her lungs all night. Making for a better day for her the next day, and she has had to use the ventilator during the day when her oxygen levels fall low. Use of the machine pulled her oxygen levels back up, (I assume because of the removal of the carbon dioxide, allowing for better lung function)
United healthcare paid for the machine for four months, September through December, Then in April, I got a letter stating that the ventilator was "experimental" and "not medically necessary" and in May we started receiving collection calls from Apria, the provider of the machine. Note: I never received a bill other than the normal amount each month, which I have records of, and I paid the entire balance due, even though the records recently provided show that United Healthcare quit paying in January.
I have been back and forth with the non-english speaking reps from Apria, as has the advocate from the pulmonologist office, trying to straighten this out. Appeals have been filed and denied.
During this process, somehow, Apria has decided I now owe them $4500 additional dollars for the ventilator, that is due and payable immediately, even though I receive NO BILLING for that amount. Amazingly, after bringing this to their attention, a bill for that dollar amount appears added to the regular May billing. (The collection calls started in March)
United Healthcare, has taken the place of my wife's pulmonologist, who is board certified, and an expert in his field, and determined that he does not know what he is doing. "Not medically necessary" is that for them to decide or her doctor of fifteen years? Why did the other insurance company not question the addition of the ventilator to her care?
Apria just left our house, they arrived, unannounced, and removed the ventilator from our house, and said it was the only way to "stop the billing" no alternate machine, no options, just give us our machine and sign this 30 page document in legalese allowing us to do whatever we want.
I am disgusted with the entire process, the lack of communication, and now I have a terminal wife, with no ventilator, and a bill for god knows how much that is hanging over my head, all due to the ineptness of United Healthcare and Apria.
I am not sure what to do now, a trip to the emergency room is $500.00 (also payable immediately, before any services are provided) and without the ventilator I am sure we will be there countless times. My greatest fear is now I may lose my wife of 30 years because the Trillion dollar health insurance industry decides who gets what care, not the trained doctors who deal directly with the patients on a daily basis.
I can't get anyone on the phone to cancel my policy. They give you one contact line. I have spent 6 total hours on hold between all the times I have called. I'm actually still sitting on hold with them and it has been 2 and a half hours. I have attempted to contact sales because it is the only line that is open. They send you right back to customer service. I'm not even sure if customer service people really exist for this company. Total scam artists. I signed with this insurance initially because the sales man told me they would cover my prescriptions. Not the case. EVERYTHING IS A PREEXISITING CONDITION. Look elsewhere. This company is crooked.
I have been on United health care ARRP medicare PPO for a few years and I am finding that the providers on the net work are not providing the services and over billing. my twenty percent is not disclosed at the time of the procedure and I recieve bills that are not adjusted by the insurance company. also, to discover that United Health care ARRP has contractual amounts for the procedure with the providers that they will not disclose the amount to me until after they recieve the bill.
So I am not sure what the twenty percent of the cost will be. It should be fully disclosed at the time of service or before the service so that I may find a provider that is within my budget and gives quality care. i have been over billed by the provider and charged up front for medical equiptment from the provider instead of them giving me the prescription so that i may go get the medical equiptment at a better price. The provider states that united denies alot of claims and so they need the money up front for the equiptment. i called United and they stated that they never recieved the claim yet, I do have the copy of the denied claim and the provider put 1,200 for the equiptment and it only cost me 25.00 at the medical equiptment company and the provider also, had me come in 5 times at 50.00 per visit and still did not resolve my situation and also, chargers the 50.00 just to read the medical report from an exam that they ordered. It should be included into the visit fee.
My cardiologist sent me to an out patient center and stated I was approved yet, at the time of the procedure I was not informed of my twenty percent. So when I got my bill from tenant corporation it was 81,000for the procedure and then I called United and they stated it was not the contractual amount and the bill would be adjusted and it was to 1800.00.
another area is that my primary and other primary physicians are not going to see a patient if they do not have their co pay even if its in a very serious situation. So the deal is that the physician gets the co pay and then they get the rest of their fee from the insurance company. So they are making at least 120.00 per visit. United health care is recieveing at least 900.00 per month per patient that opts out of staright medicare to give the necessary care the patient needs instead of the governement managing it. So 900.00 per month x lets say.... 200,000 paitents. they have a steady cash flow. CASH COW.
Yet, they take more than 30days to resolve a claim. what is going on..
also, the HMO vs. PPO is biased. not many good doctors on the HMO vs. the PPO plans. The doctors are the problem they are way overpaid and too specialized and the American medical association is protecting their incomes.
Health care is a right not a priviledge.
I can only add to the existing reprots about Joe Langer or Joe Wagner, Scam Artist.
I entered into an agreement in 2009, after I decided to take a chance to see if this would augment several other health care product lines I was representing. All of the positives evaporated into thin air and I concluded I had been scammed. Unfortunately, the terms and conditions seemed to be so carefully constructed, there was little I could do to recover my investment which was fortunately less than some of the others reported on several websites.
After I visited the office and spoke with several references, I concluded that the company was small and not well organized, but otherwise legit, though risky. The office appeared to be a legitimate operation and was probably one of the reasons I went forward with this deal. Guess everyone involved was in on the scam.
If Crooked Joe is still among the living, we should collectively file a complaint with Florida leading to an arrest and criminal conviction of this slug. He belongs in prison!
When I was an insurance agent for Farm Bureau Financial Services, I purchased a Disability Policy through an Agents Association.
In time I had to apply for permanent Disability and had no trouble with the process and immediately requested that $300 be deducted monthly for FIT to be applied to a tax debt. The first check arrived minus the $300 as requested. This was December of 2006.
In 2008, I became aware that my withholding was not being sent to the IRS. That is when I began making phone calls. For two years, I made phone calls, faxed information to one person after another including the IRS. In 2011 I told UnitedHealthCare Insurance to discontinue taking withholding from my monthly benefit as I didn't want any more money disappearing. I also made it clear that the IRS was working on the situation.
That was the first year I received a W-2 stating I had untaxable benefits and it also showed that partial year of withholding. I asked them to send W-2's to prove they deducted the amounts and that they sent the money to the IRS.
At this time, they owe me $14,700, plus interest and penalties that I am being charged by the IRS. Lawyers are too expensive but this is a horrible thing to do to someone who bought this policy through their Agents Association in full faith.
I SIGNED UP FOR THE $400/MONTH BRONZE PLAN WITH PRESCRIPTION SAVINGS PLAN..ONCE I SIGNED UP FOR THAT PLAN, I THEN FOUND OUT IT DOESN'T COVER MAIL ORDER PRESCRIPTIONS, OR MOST PRESCRIPTIONS IN GENERAL.
I CALLED FOR ASSISTANCE AND BASICALLY WAS TOLD, "SORRY WE CANT DO ANYTHING...." I BASICALLY WAS LIED TO OR TRICKED PRIOR TO SIGNING UP FOR THIS PLAN, AND NOW EACH TIME I CALL ITS BASICALLY "TOO BAD FOR YOU" ALSO, WHILE APPLYING IT ASKED FOR MY PCP, SO I PUR THEIR NAME IN. HAVE BEEN SEEING THIS SPECIALIST FOR YEARS NOW. THEY PUT SOME RANDOM DOCTOR AS MY PCP. NEVER HEARD OF HIM.
WAS TOLD I CANNOT CHANGE IT TO A SPECIALIST, HAS TO BE PCP. SO NOW I GUESS I HAVE TO GO SEE SOME RANDOM DOCTOR I DONT KNOW TO GET PRIOR AUTHORIZATION FOR SOME OF MY MEDICATIONS. WHICH MAKES NO SENSE, BECAUSE IN THE END THE HEALTH INSURANCE IS BASICALLY PAYING FOR A RANDOM DOCTOR WHEN I HAVE MY OWN.
I CANT WAIT TIL NEXT OPEN ENROLLMENT SO I CAN CANCEL!
I AM IN THE HEALTH CARE FIELD, AND I MAKE SURE I TELL EVERYONE ABOUT MY PROBLEMS WITH UNITED HEALTH.
I applied for Obama care, paid my premiums for the last 4 months. I have spent counless hours on the phone to get service and have never recieved any help to get a D. or hospital. I have also sent e-mails.
Hi. I have Medicare for the past 3 years. It was with Care Improvement Plus. There was no copayment, no monthly charge. Now.. United Healthcare takes it over and they started sending me a bill, plus there is a deductible and a copay. I have never had to use my Medicare I go to the VA but my guard is up. I am NOT gonna pay them, but am gonna try to get rid of the insurance, get another provider.
Care Improvement Plus was better than this. In addition to the zero monthly premium, they had a patient advocate that helped me with LiHEAP, Food stamps, and other benefits for Seniors and the disabled.
So be advised.. this company's poor service and uncaring have got me on the alert. I am lucky that I have not tried to use the benefits, but the way they are going after me for money already has me wary. I have never used the Medicare...and I was never charged before. They seem very poorly organized, and only interested in what they can collect.
Health care in the United States continues to be the most expensive in the world by far, by FAR and the most expensive. They just MAKE it complicated, so they can rip you off!
Dear sir, im claiming the united healthcare grievance and claims filing repot today. plus legal services and claims despute. i want to say that i want to reinstate the policy aarp/medicare complete plan 1 with (10) additional riders plus dental platinum, H3659,pbp#003, payer id#87726, health plan#911-87726-04, member id#974649165-00 i want full reinstste ment for claims. some didputes about late charges and not receiving payment by mail. i want to clear these maters up and i want the policy back and late charges reinstation them. while on-line, i filled out several riders in addition to the up-dated policy. i have to have all of these things today. also the coupon book is rather expensive about $200. asking for dental/platinum rider plus cosmetic surgery,nursing home care,and added health reform riders too. also, $0 co-pay too. i have sent these papers in the mail to your office united health care and claims office too. i have not received any word from you yet. i want the dispute solved today and reinstste my policy AARP/medicare complete plan 1 plus(10) riders plus dental platinum today. asking help from legal services too. thankyou, thankyou, happy holiday, iris c, cleveland, ohio,44128.