UnitedHealth Group

Policy Number ***
Effective Date 01/01/2020
Initial Premium $248.68
Monthly Premium $251.00

I am complaining about this health insurance company. United Health Care Insurence company is very misleading when it comes to information provided to me during the time of my entering into the buying of Health Insurence policy for me and my family. The coverage of this United Health Care Insurance is never useful in any hospital or medical facility within my surrounding communities. The main purpose of which I brought the health insurance policy was to take my wife and two sons of government-provided health insurance. But, up to date, United Health Care Insurance policy given to me is been rejected and refused at my sons' routine medical checkups, I and my wife have been rejected health services/doctor visits when we need one from medical service providers within our communities and its surrounding health service areas.

Therefore, I asked the United Health Care Insurance Company customer representative by means of phone communication after one of my rejections in March. I am able to put both the health care provider customer representative with the United Health Care customer representative and I was still rejected health care services.

furthermore, I asked the United Health Care Insurance Company to stop the direct taking of monthly premiums from my bank account on file with them. This request was first made in March and the United Health Care Insurance Company did not honor it. They took premiums for the month of April, May, and June 2020. I did ask my bank to please file a calm for all of the months that this company had taken money out of my bank but the bank refused. The bank is asking me to take issues with the United Health Care Insurance Company directly.

I have called United Health Care Insurance Company many times without way forward on how my money will be paid back to me.

I purchased insurance through United Healthcare and the product sold to me as described by the representative was not what I received. I also called customer service on several occasions for clarity on the product and the customer services reps were unclear as to what services were covered.
I was told that the insurance I purchased was cover by MEC and explained that I only use insurance for physicals and wellness visits. The rep told me to change the insurance plan I had to get UHOne and it would be sufficient. He also advised that I get a hospital indemnity plan. I was sold the Hospital Safeguard Plan which you MUST have a ACA medical plan to qualify. A few months down the line I kept getting a doctors bill for a check up. I called customer service and they went through the online brochure that says that preventative services are covered. I continued to receive the same bill and called customer service again. This time when I spoke to customer service the person said the same thing, the services were covered, but when he looked into the fine print it says there were different specifics determined by the state. My issue is that I changed the plan I had because the person selling the product advised it was best based on my needs and when I called customer service to find out the issue they also had a problem determining what my coverage was. If the employees can't decipher the information how am I expected to know what is valid or not? I reached out to United Healthcare to state my grievance which was a task in of itself to find the correct address.
I was sent notification the letter was received and they would follow up with me. I have yet to receive any further correspondence.

I purchased Medical, Dental, and Vision Insurance for my daughter and I and my policy was cancelled with Golden Rule Insurance Company October 31, 2019. However, I will still charged in November and December in an amount totaling $255.13. After hours and hours on the phone with both United Healthcare and Golden Rule Insurance Company, I finally got Golden Rule Insurance Company to stop charging my account, and on December 26, 2019 Golden Rule told me that they would refund my $255.13 back to my bank account within 10 days. That refund did not happen. I called again 1/10/19, 1/23/20, and 2/5/20 to have this resolved, each time, I was told that the accounting department was having problems with their accounting software and refunds needed to happen by hand and its taking a while because there is a lot, so it will take 10 days for my refund. Here we are... 41 days later and I still do not have my refund. I have never had such a difficult time getting a refund in my life! This day and age, refunds happen in real time with bank-to-bank transfers, so there is absolutely no excuse for this. I have been extremely patient, but now I would just like this settled as soon as possible and the $255.13 refunded back to my account.

I had this vision and dental insurance for 2019. I need to cancel this and have the $27.69 refunded to my bank account. For 2020, I have opted to carry vision and dental insurance through my current employer. The money was removed from my account on January 13, 2020.

I purchased a short term medical health insurance plan through National General which was underwritten by United Health One and Golden Rule Insurance Company back in October 2019. I cancelled my policies as of 12/3/2019, yet I was charged for the full premiums after those dates in the month of December 2019, after the cancellation date. I called both United Health One and National General, and after spending nearly 3 hours on the phone, neither company could tell me why I was charged. I tried calling Golden Rule but the number forwards to the same United Health support number which I had already spent hours on hold and ultimately was not able to resolve the issue to begin with. I have disputed the charges with my bank. Golden Rule Insurance company has put me and my family in financial ruin because they continued to charge me even though my policies are cancelled. PLEASE HELP ME. This is absolutely ridiculous.

I have been calling about my dental coverage all year. I have been on the phone and transferred around for as long as 3 hours at a time. They were deducting my payments from my bank but saying I didn’t have coverage. Someone finally activated me as a member but only as of 2019. I have been a member since 2016. And I still have a cleaning from 2018 that needs to be paid, which cleanings are covered 100%. I haven’t been able to see the dentist all year while trying to resolve this. Now, because they only made active from 2019, My cleaning from 2018 still is t going to be paid. I don’t know what to do. I tried calling again today and for the millionth time was told I would have to be transferred. I was then transferred to the same recording that starts the whole process over. I would like a supervisor to contact me and I want my account updated to show I’ve been a member since 2016. How this all started was :I got behind on my payment, called and paid in full and set up automatic payments. I was told I would have no lapse in coverage. But then all year I’ve had NO COVERAGE. Every time I call I keep getting transferred back and forth for hours between United Health Care and Golden Rule. Someone finally got my coverage active but only since Jan 2019. I should have uninterrupted coverage from 2016. Because this is Golden Rule and United Heathcare, I’m going to make 2 complaints. Thank you, please help.

On May 15, 2019 I purchased a medical insurance policy from Golden Rule for $339.63 per month. In September I called to confirm what my coverage was for an annual mammogram and pap smear. I was told I would have to pay 100% to provider and it would go towards my $5000 deductible and after to $5000 is paid at 100% they would then start paying. WHAT? This was not explained to me in that context. I am 54 years old and have worked for an insurance company and of course have had insurance through MANY employers and understand completely how it works. As I stated, their agent DID NOT explain this to me in that context. Why would I purchase a plan for almost $350 a month for 4 months that pays for nothing until $5000 is met out of pocket? I could have just used the money to contact a doctor or facility and worked out a private pay discount and paid cash.
I cancelled the policy effective September 17, 2019.
I am requesting to be refunded the 4 months of premium I paid which equals to $1358.52.

My wife was misdiagnosed and they do not give an easy way to contact the appeals department. The method they wish to handle this is predatory and designed to be slow moving.

We should be able to contact the grievance using modern standard contact methods.

price I was charged was greater than I was quoted. I was charged for an item I did not need or purchase. I purchased Dental insurance and the company ADDED Hearing Aid rider. I called to cancel the policy and requested a refund. I was promised a refund in 7-10 days. I am still waiting more than thirdly days and NO refund. The company took $69.20 out of my account against my knowledge. I want my money back. I am on a fixed income and I need to have my money refunded.
When I call they put me on a "more than 60 minute hold", and then they somehow disconnect you. PLEASE HELP!

I was signed up for a plan I did not authorize called to cancel it and instead was charged for the next two years at a lower rate, which I did not notice because I use one bank account that is only for "auto pay" bills and the monthly with drawl was not large. I called after finally noticing something wasn't right. The lady I spoke to told me that there was a note on my file indicating that I had indeed called to cancel and she wasn't sure why I was still being charged but a refund would be issued. After being charged $16/month for 22 months I received a refund for $6.48. I know that I should have payed closer attention to the unwanted with drawl from my account, but $16 at a time wasn't something that set off a red flag or caused the account to have insufficient funds. I called again and was told that no note was on my file and I would only be receiving the $6.48 refund check. I can only hope that my experience with this company is uncommon but from the quality of the other reviews I have been seeing it seems like they have some serious customer service issues. I would recommend doing your own research but if you do choose this company as your provider make sure you triple check what they charge you for and maybe do more research for the following year.

If I could leave zero stars, I would. This company had terrible customer service. When asking about receiving two notices, one at my normal monthly rate and another at $171.50, the representative, Karen, explained in a very rude and condescending manner. When I requested to speak with a supervisor, I was instead transferred to a customer resolution department where it was explained that I was not understanding. I then had to repeat that I understood perfectly well but due to the poor service, I wanted to speak with a supervisor. They then stated that supervisors don't take escalated calls and would "pass along" the information. I.E. nothing would be done. I would avoid this insurance at all costs, simply because they are terrible with providing quality customer service. Just take a look at the rest of the reviews.

This is a horrible company to do business with they are complete scammers. My mother signed up for this insurance through a third party provider, she was told she would be given a 10 day free trial , and was told she would receive the contract package with her policy number and the important information to reach the company directly from United Health One/Golden Rule. The packet of information was never received, she tried to call the insurance company from a number she found on google, and since the contact information was never received to try and cancel the insurance within the 10 days because this insurance seemed like a scam. This company charged us 2 full months almost $700 in total, but this insurance was never used once! When I called the company directly to try and explain the situation and request a refund, the account administrator told me I could argue with her all day. This company has a horrible rating many negative reviews against them, and awful customer service, I only wish I could have known this before and saved my elderly mother from losing all that money. Please beware and do not trust this company!

In April, I called Golden Rule to purchase health insurance for myself and my children due to loss of a job. The man I spoke with set me up with healthcare, vision and dental for 400/month. As months went by I started to notice my heath insurance didn’t cover even the basic General Practice doctors appointments. I’ve racked up thousands of dollars in bills since purchasing insurance through this company. I called last week to find out what the issue was only to be told that I was set up on supplemental insurance. I was told that it could be switched over to health insurance for the same price monthly which indeed was set up that day. I was told that I would need to speak with a different department to handle the previous months. I’ve tried to call and rectify several times and each person I’ve spoken with has told me there is nothing they can/will do. I feel like I’ve been scammed. I am a single mother trying to make ends meet and to be scammed out of almost three thousand dollars from this company on top of the thousands in medical bills is ridiculous. I’d like to file a complaint on untrustworthy business practices and would like to be reimbursed for the insurance I’ve paid to date.

I purchased short term health insurance in the month of Nov 2017. This insurance was to be through mid Dec 2017. Golden Rule has been taking 16.00 a month out of my checking account since Dec 2017. I paid this short term insurance in full in Nov 2017. The contact number they give you, no one answers. There is no way to get through to even find out why this has happened. I called my back to cancel my card, so they cannot pull money out anymore. The company I went through is ***, which sends it through Golden Rule insurance. This company is a scam.

I spoke with a sales representative, Jeffrey L, in March 2018 about needing short-term health insurance for 3 months before my employer's insurance started. He explicitly said that this insurance would last for 3 months, and I received a confirmation email 30 days before the insurance ended confirming that it would end. After reviewing my credit card statement in September 2018, I noticed that Golden Rule had charged me for 3 months after the end date.

After spending 2 hours on hold trying to speak with an individual, I was told that I was sold 5 different plans that all had separate terms, and only 1 of the 5 plans ended on the requested end date. I have spoken with the company and sent a confirmation of coverage by my insurance company to backdate the end date of the 4 other plans.

The sales and contract process lacked transparency, professionalism, and was designed to manipulate customers in need of health coverage.

I had applied for a vision plan in August and was approved they took out $15.74 from my checking account. On August 29th I called and spoke with Katie to cancel the policy because you can only use it once a year and I just got glasses and found it would cost me over 500.ooo to get glasses with the insurance and the place was having a 50% off and I paid 318 for the same glasses with frames. SO I chose to cancel because it isn't really worth it. I have called several times and got nothing but a run around about cancelling my policy and said id get a refund. A week later my checking account was charged another $15.74 and I called back again each time you call the wait time is more then 30 minutes long. My policy is still not cancelled and I don't have my refund of both payments yet like they promised. I want my money back and this cancelled !!!~

Worst insurance company first they gave me a short term policy then cancelled it without telling me reason they said I had a previous condition which I did not have and what they did to me was again the law you cant cancel a policy under those circumstances .

On March 31, 2018, I thought I was purchasing needed health insurance from a honest company. I feel that I was falsely misled by the Golden Rule Company. Purchasing healthcare is a new area for me. The words used were confusing. I needed to obtain a WellCare exam for my soon to be 9th grader. I was told that the insurance would cover the costs. I just had to say a specific phrase at the time of payment. When I called to schedule an appointment for my daughter I was told that my insurance would not cover any of the costs. I had to pay out of pocket. I was misled and forced to continue to pay a vision premium until March 2019. In a letter I received today I learned that my account will be turned over to a collections agency if I do not pay the premiums.

I have been with Golden rule since 2009, I went on line to look at my statement today and noticed a $3.00 charge.
When I took at the policy I was told that I should do auto pay so there are no extra charges, so I did. I called and spoke with a women named Stephanie who informed me that she was the one in charge. I proceeded to ask her about the $3.00 charge to my account and she said it was for updated on savings, and using there web sight. I only used there web sight for the first time on January 15, 2018 and never received ANY savings alerts from them.
I asked her how long I have been paying the $3.00 charge and she told me since 2009. I was in shock. That is over $3,800. Here I am calling trying to figure out how I can get my premium lowered and I have been told raise my deductible and everything else but, NEVER told about the $3.00 charge.
Not that $3.00 a month is allot to some people but when your insurance is $580.00 a month every little bit helps. I then proceeded to ask for some kind of refund at least half ? she said that she was sorry I was having such a hard time paying my insurance. and returned $6.00 of those fees.
Why was I never helped out from this health insurance company, even by $3.00 a month that they were charging me without been told....
Stepanie said I had to file a compliant with the Grievance Dept. I think this is a better idea since it takes them hours to return your call or answer the phone....

I signed up for insurance with this company not understanding that it wasn't actually health insurance. When you call to sign up it is very quick the pick up I matter of minutes. Anyways the last 3days I have tried several times to get someone on the phone only for them to say after holding for an hour I have the wrong department they will transfer me.I am now on day 4 hopefully I have hit the right number casue I have been on hold for 3 hours now with still not answering.I just want this policy cancelled before they charge me for it...