Betty's complaint:
June 28, 2013

Insurance Company: UnitedHealth Group
Coverage Type: Health Insurance

• PolicyHolder Service - Inadequate Service
• PolicyHolder Service - Incompetent Employees
• PolicyHolder Service - Delays/No Response
• PolicyHolder Service - Denied Access to Services
• Claim Handling - Delays upon Delays

I have had insurance with United Health Care for years, and as a single parent to two children with several life threatening conditions they are making a hard working persons life miserable. To start off I have been paying between $150-$300 per each medication that my children need each month totally in the thousands at times out of my pocket that the insurance doesn't cover. Come to find out the last time that I went to pick up their medication as scheduled I was told that I could not do so, that something had changed by the pharmacist. I immediately went to my car to call the insurance company whom at that point told me that I had been paying huge penalty fees for each medication each time I picked it up because there was a generic available. My children can not take the generic brands due to the medical reasons and I have been struggling as is to pay these outrageous prices for the meds that they need. To make matters worse they told me that I should only be paying between $10-$20 each medication and all that I needed to do was have the physicians call in an appeal process so that I would not have to pay those huge penalty fee.(which by the way were never disclosed to me)I also was told I would not get any of my money back.I was also told that I now needed to fill each for three months at a time. I did what they instructed and I was told it would be completed urgently since the children were out of meds and it would be done within 24-48 hours. Well here we are 17 days later and I have called them everyday to just be told they don't see anything as being processed. This is rediculous as I have been having to go and first get an emergency supply for each of them and then pay cash. Now when I return to the pharmacy they tell me the new price for one is $215 a week, when I was paying $245 for the entire month----what kind of scam is this insurance company trying to pull and how dare they play with the lives of children like that!!! I also had another issue with them earlier in the year when I had met all my deductible and out of pocket for the entire year right before April which it is in the thousands but again that tells you how much I spend on my childrens medical needs. I was so happy because I knew that the rest of the year I would not be responsible and have to worry about how to pay for my costs of meds, doctors fees, etc and then on April 1, 2013 they started my deductible and out of pocket all over again!!!!!How is this allowed, this is something that seems to me is against the law, to pay and only get 4 months of coverage instead of a year. I do my very best I can and all my money goes to their needs, but this is outrageous, I think it's about time that I need a lawyer or something. This company needs to be held accountable for what they are doing to people, hard working single parents who barely make it, and do not get any type of government assistant what-so-ever and always do the right thing, and are being stomped on. I need some assistance on resolving this matter now. Thank you for listening.

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