UnitedHealthcare has denied for a third time my daughter's emergency, life-saving surgery that was necessary while we were out of town. We were also out of network, but the surgery was necessary to save her life. We took her to the nearest hospital. UHC denies the multiple charges, saying we don't have coverage when out of network, except for emergencies. We had the surgeon write them a letter explaining the emergency nature (which is blatantly obvious from all the medical records). The expenses are catastrophic and life changing, and yet, we have heard today, it was denied AGAIN. The hospital is threatening to send us to collections. We will lose everything: savings, house, etc. We have caught UnitedHealthcare in a variety of lies and deceptive business practices. The plan is administered under ERISA, which means we have no power whatsoever (unlike normal insurance policies, which are governed by state law.)

United Healthcare has essentially ruined our lives. Thank goodness at least I have my daughter to hold; and she is alive. I know the pain of losing a child already.

I was switched to a Cobra plan through UnitedHealthcare in July 2008.
My employor sends my payments in each month. But my policy has been canceled twice so far. We have faxed UnitedHealthcare copy of the canceled checks showing they have gotten paid but they still have not fixed my insurance. The 1-800 number is a joke, they just keep switching from one person to another and nobody knows what is going on. I have MS and I need my Insurance. I wish they would get their act together!