If you’re going to choose United Healthcare, don’t.
I’ve had healthcare coverage with Blue Cross / Blue Shield and United Healthcare. Genna has had Aetna and United. 2 of 2 agree, United is the worst.
With BC/BS and Aetna we never had any trouble with claims. Any needed procedure was reimbursed, virtually no questions asked. With United, Every. Single. Thing. Has been like pulling teeth. Even worse, like pulling teeth and finding out tooth-pulling is not reimbursable, even though the plan says it’s covered. It only gets worse when you take in to account the fact that the company the rely on to establish standards such as “reasonable and customary rates” is a company they own. The New York Times estimates United has “…systematically underpaid New Yorkers for medical services by 10 percent to 28 percent…“.
Obviously, it would be oversimplifying to say United is the worst healthcare insurance ever. All I’m saying is choose Blue Cross / Blue Shield or Aetna first if you have any choice in the matter.
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