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Early last year, I got a new job with health insurance from UHC. They repeatedly denied my initial claims until I pressed back against them. They asserted tha
by voakbasda 4y ago
Early last year, I got a new job with health insurance from UHC. They repeatedly denied my initial claims until I pressed back against them. They asserted that I had other coverage; I had to provide hard proof that I had canceled my old policy. I can only assume that was a flagrant lie on their part, because they never provided any proof that I had other insurance. It literally took hours on the phone with their agents to get them to cover a $50 claim.
As a direct result, I do not trust them to cover me in an emergency, but this is what my employer provides. I cannot afford to pay for better insurance out-of-pocket, not that I expect any other insurers act any better than this. To wit, I do not expect any insurance company to honor their policies, whether for health, auto, home, or life coverage. I only pay for insurance because it is required by law (or by the bank).
Unless my life is in danger, I will not risk bankruptcy by participating in the medical system. Presently, I am actively avoiding going to the doctor to investigate potential ongoing health issues, even though I have a so-called "platinum" plan. What a fucking joke.
- JohnFen 4y agoUHC is worse than most, but yes, my experience with insurers isn't awesome. On the other hand, I recently had an accident that required surgery. I was between jobs and thus uninsured. All in, the surgery and related services cost me $35,000. Even UHC would have picked up a good portion of that. It's a gamble either way.
- sveiss 4y agoIf you weren’t aware, the deadline for opting in to COBRA has been significantly extended during the Covid public health emergency declaration. You get an extra year to elect COBRA beyond the normal 60 days, and it’s retroactive to when you first lost coverage due to your job ending. Depending on how recent “recently” is, and how long you were between jobs for, this might be worth looking in to.
- JohnFen 4y agoYes, I looked into that. COBRA was not a feasible solution for me.
- Twirrim 4y agoEven when UHC accept the claim, they're just terrible about actually getting around to paying it. We've nearly had to change specialists on a number of occasions because they're not willing to deal with UHC. I work for a large company and I know some co-workers have had to get HR involved to go kick UHC in to actually paying the bills. It's nuts.