United Healthcare

I applied, was awarded and signed a contract, as a License Independent Mental Health Practitioner (LIMHP) and Licensed Professional Counselor (LPC), with United Healthcare Insurance Company to provide mental health services for its patients in November 2023.
I have been counseling this company's patients and getting paid for providing mental health services since signing with this company. Although I hold a License Alcohol and Other Drugs (LADC) credential, I never applied for a contract with UHC for this license. However, in September 2025, UHC fraudulently changed my contract credentials to display LADC only as opposed to adding it as an additional license to the mental health licenses I initially contracted with.
Consequently, they have denied payment of my claims submitted for the months of August 2025 and September 2025 totaling up to $10,000.00, as well as engaging in a scam to recoup payments previously paid me for mental health services naming that I contracted with them for LADC services only.

After wife had bilateral above the knee amputation, she was going to be sent for acute rehabilitation. They denied first application, denied peer to peer review but overturned it on the emergency 72 hrs appeal.

They sent a list of 6 outpatient facilities on their plan and expected a woman with noo legs who needs maximum assistance to transfer with 2 therapists and no hand controls to drive herself to therapy! Denial was overturned in 12 hours.

Then she had a bleader vein which meant emergency surgery and was ready to return to the same rehabilitation hospital for which she was previously approved. Again, the denials stated and this time I sat in with her surgeon who did a 2nd peer to peer appeal. He CLEARLY stated she was not independent- yet the UHC Dr's report listed thar she can transfer independently!!!

CLEAR FRAUD!!! No wonder they are being sued for their multiple denials, many done by AI in 90 seconds which their profit this year increased YOY to 1112%!!!

BEWARE!!!

ADDENDUM: The appeal was successful but only after putting the patient through unnecessary stress and anxiety. Please consider her experience as you make your selection during open enrollment. And, if you already chose UHC and wish to change, you have 30 days to do so.

Good luck! I also had the same plan as her and chose to leave UHC over their treatment of the patient.

Hello. I would like to know the email address for your Corporate Office.

I have a complaint about several agents who have provided me with false information over the period from March 4th to March 12 2025.

I initially contacted your company via the chat option on March 4, 2025 to inquire when my $25 reward would be added to my balance for a health assessment that I completed that same day from a text message I received about it. I spoke with "Sha dreanna" who told me it takes 24 hrs to receive it. I didn't receive it in the 24 hours so on March 5 2025, I contacted by chat again and spoke to "Sarah" who told me that the reward is "added within 7 days". On March 10 2025, I again contacted your company by chat option and spoke to "Savannah" who told me that "it takes up to 3 weeks" to receive the reward.

This was the 3rd time that I received different information so I requested to speak to a Supervisor and "Haley" the Supervisor joined the chat. She also stated that it "takes up to 3 weeks" to receive the reward. She assured me that this information was correct and apologized for all of the incorrect information I received. Today, I decided to read your rewards terms and couldn't locate anywhere where it said anything other than "all rewards are added within 24 hours".

So, I again contacted by chat. This time, I spoke to "Laquanda". I explained to her that I had read the terms for rewards and I could only find where it states that all rewards are added within 24 hours and I also sent her a screenshot showing her exactly where it states that. This agent then told me that "it takes up to 14 business days".

This is the 5th agent that has given me different information. This is absolutely ridiculous and not okay at all. We are living in a world of misinformation and your company practices this way too often. This has to change.

Your agents should give your customers correct information. Maybe they aren't receiving proper training because they certainly have no idea what they're talking about. I want your Corporate Office to know about this. You can verify everything I've said by looking at my chats.

It is all there. And just in case it isn't there, I have taken screenshots of every conversation.

United Healthcare customer service is a complete joke. I called to ask how to get my HSA debit card and the first rep to answer said my account set up had not been completed, she said she would connect me to someone else who could help me complete set up.

I was put on hold and waited for another 20 minutes and no one picked up the phone. So I hung up and called back. Similar experience. The first (and only rep) to answer apologized when I told her I had waited a half hour on the first call, and said she would put me on a brief hold but would not transfer me until I was connected to real person.

I waited for 5 minutes before she came on and asked for my social security number to transfer to the right person. I gave it and waited another 20 minutes.

So in total I called twice, waited over an hour, and no one resolved my issue. So I hung up.

I had to get my card replaced. I wanted to know where it was because it's been over a week and a half.

They didn't mail it yet. This isn't the first time they've forgotten to send my stuff. I needed to find a new dentist, it took four phone calls and three weeks to get a list, then they only sent five dentists to choose from. Four of those were bad dentists.

I would change my insurance, but they actually have the best benefits available. However, the customer service is really bad. They all have different answers for your problems and it's not even correct.

I've had temporary crowns on two teeth for seven months because customer service said they can't force the dentist to give the money back, even though they didn't complete the job. Now they have to be pulled.