Subject: Re: Re: United Health Careis the worst

Comments:
: I was involved in an automobile accident where I was broadsided by an uninsured motorist that did not have a driver license and did not own the car. Luckily, I had great uninsured motorist insurance. The problem was that United Healthcare would not approve the only procedures that would solve my problem, even though they would be totally reimbursed for the procedure. : I am in need of a disc replacement surgery which UHC has covered before for other patients, but, they send me denials saying that they do cover because they say it is an unproven procedure. This is the only procedure that will solve my condition. I am unable to work because the pain of driving for more than 20 minutes or sitting in a chair for 20 minutes is too severe. I get no sleep because the pain wakes me up every 30 minutes. : They provide phone numbers in their letters that are disconnected. They provide no way to contact them by email although doctors have a way to email them. They provide no address to contact them. If you call their 1 800 numbers it will put you into loops and disconnect you countless times. The customer service reps regularly give me phone numbers that do not work or that have a message box that is constantly full. They will not let you speak to anyone that can assist you. I think they are instructed to give you the run around until you give up. If you press them on anything they tell you another department handles that and they switch you to a number that tells you to call the 1 800 number then disconnects. It is genius if you think about it. Deny, confuse, point in the wrong direction, and make communication impossible. That way they can say they did not do anything wrong -- because they did not do anything at all - thereby it could not be wrong. It is a racket. When I ask them to tell me any other procedure that might solve my condition, they say they do not have one but will deny the only option that I do have. I am stuck in insurance hell and my life is being ruined because of it. I can not work, I can not fufill my obligations to my family, I can not sleep, I can not have sex, I can not drive distances and I have had to stop three times during my typing of this message because of pain. : One operation will solve this but they will not approve it. Or they are waiting as long as they can to approve it. My life is ruined right now. I am at the end of my rope. I am getting despondent and do not know what to do. If anyone knows how to get things approved, have had similar experiences or know about the appeals process, please email me. I am just about to contact the Attorney General, the Insurance Commissioner and a private attorney. Any supporting information would help. Sincerely in distress and pain, : Kevin maris

Please enter the characters in the image above.