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Unicare Review

Unicare Customer Comments

These are comments left by site visitors who have completed a survey for this company. The comments are unedited and shown in the order the surveys were received. If you would like to participate, just click the "Take a Survey" button at the end of these comments.

"They weasel out of paying anything. Refuse to cover things clearly covered in member handbook"
Commented on 2018-07-30 09:58:22 EST
"Terrible insurance worst Ive ever had they dont cover much buyer beware."
Commented on 2018-06-11 14:18:19 EST
"Policy wording is deeply ambiguous and inadequate. They use this uncertainty to not cover your claims. They do not take any complaint seriously."
Commented on 2018-06-05 18:47:54 EST
"This is a horrible company. I'm always stuck with paying a huge share of my medical bills. Why do I even pay premiums when Unicare sticks me with half the bills. What a horrible corporation. Gladly, I will be on my husband's insurance soon which is much better."
Commented on 2018-04-28 16:27:12 EST
"This is an update and an effort to fix any typos since we can't go back and edit to fix those typos As my dad's only survivor, I'm writing this on his behalf after my bio dad with alzheimer's died, I went through a lot of trouble to try to get the money I was legally entitled to only to find out later on after finally finding a lawyer that my dad was the victim of elder financial fraud by his live in POA who changed the life insurance beneficiary from next of kin to herself only three weeks before he died. This is illegal in Ohio. My dad died intestate, meaning no will. According to Ohio law and the way things happened made me the only one legally entitled to that money and further action is pending because UniCARE is non-compliant. They not only ignored me and my warnings that I tried to warn them that something was just not right, but they were also secretive until they were pressed for answers by the Ohio department of insurance and also the Michigan department of insurance investigated. I finally had to end up finding a lawyer who would help me, and sure enough my suspicions turned out to be right, something really wasn't right as suspected. At this point was when I started finding out about what really happened, which is when I eventually found out my dad had a live in POA who ended up changing tampering with the life insurance papers and changed the beneficiary from next of kin to herself. Again, this is totally illegal in Ohio and can very easily be prosecuted. If anything sounds familiar, please do yourself a favor and get call your state bar association not your local one as this could delay legal help and have them refer you to the right lawyer. Urge them to give you all available names of everyone who can handle this type of case. Just in case one has a case overload or can't help you, you have all their names on the list and just go down the list and be persistent until someone listens. Don't let fraudsters or UniCARE get away with giving your money away to someone not entitled to it, they'll definitely pay in the end. If they've done this once, chances are they've done it to others by giving away money rightfully belonging to those legally entitled to it. Come to find out, paying the wrong beneficiary is shockingly more common than you may realize, but I don't know how many different companies out there actually end up giving away the money and title to you to someone not entitled to it. Don't lose hope, help is out there. The first step though is to open an estate for your close blood relative in the state and county where they lived when they died, this'll be especially helpful. You can either open the estate yourself or let your lawyer do it for you, either way the estate will be opened. The estate process will most likely have to pass first as your lawyer works in the background on your behalf. At some point you should find out whether or not elder financial abuse really did happen. If so, the estate process will need to pass first before an extension will need to be filed so the estate can become the plaintiff in the lawsuit. I don't know yet how long these kinds of lawsuits last, but at some point you should be able to recover stolen funds. I don't know much about how things work, but somehow the estate is paid in the end. Another thing I don't know is how you obtain money from the estate, I just don't know that yet but somehow you get paid through the state so apparently at some point if a judgment is rendered against the defendants, the judge may be give a certain amount of time for the defendants to pay the estate. I guess this is probably how it works if I'm not mistaken but at some point you should expect payment however they do it. To those out there who don't know the ropes, I hope my story helps you. You must act fast if you experienced a very recent loss, cases are time sensitive so don't wait. If you find your deceased close relative was defrauded, this also affects the rightful heirs especially if they absolutely positively need that money for something very important like transportation or medical treatment or some other very important necessity. Sometimes it's the proceeds that will cover something you may not otherwise be able to cover. That's why if anything about my experience sounds familiar, you definitely need legal help, and hopefully you'll follow the clues in this comment and seek out legal counsel and make guilty parties pay because your lawyer will make them pay if someone really is found guilty and documents prove it"
Commented on 2018-03-05 05:43:17 EST
"As my dad's only survivor, I'm writing this on his behalf After my bio dad with alzheimer's died, I went through a lot of trouble to try to get the money I was legally entitled to only to find out later on after finally finding a lawyer that my dad was the victim of elder financial fraud by his live in POA who changed the life insurance beneficiary from next of kin to herself. This is illegal in Ohio. My dad died intestate, meaning no will. According to Ohio law and the way things happened made me the only one legally entitled to that money and no further action is pending because UniCARE is non-compliant. They not only ignored me and my warnings that I tried to relate to them about something not being right, but they were also secretive until they were pressed for answers by the Ohio department of insurance and also the Michigan department of insurance investigated. I finally had to end up finding a lawyer who would help me, and sure enough my suspicions turned out to be right Not only did the fraudster abuse her powers, but the insurance company gave my money to that fraudster who's now in hiding and possibly living with her next targeted and totally unsuspecting victim for all we know. If she did it to my dad, most likely someone else is the next victim because she'll strike again if not stopped. Don't be surprised if some of you actually have a policy out there and you happen to have living blood relative survivors. Make sure you get your proceeds to the rightful heirs, especially if those heirs are disable, badly impoverished and badly need that money for their survival. If you had children and they happen to be disabled, you can't have kids and just not provide for them, especially if they're disabled. In light of child abuse being on the rise and more and more of them are becoming disabled at the hands of abuse, you really should make it right and provide for your kids whether or not you had anything to do with their disability, and especially more so if that disability means they must live on public benefits. When a disability leaves your children impoverished, it's time to provide for your own"
Commented on 2017-12-03 13:10:37 EST
"Everytime I call to check status of my claim they tell a different kie. They lie. If you are totally relying on Unicare to pay your bills you will be hungry and homeless. I think everyone there are incompetent if doing any job....including the supervisors"
Commented on 2017-10-31 23:21:24 EST
"It used to be good. Nothing is covered anymore. For almost 70 years I have been insulin dependent. Because my doctor changed me from the vials to the pen and made a mistake and called me on a Friday evening and told me not to use the pen but to go back on the vials and syringes the cost for the vial and syringes tripled as your representative refused to do an over ride. Shame on Unicare, This is a life saving necessity. My attorney will be contacting the appropriate people.."
Commented on 2017-07-23 05:18:59 EST
"Governor Duvall decided to push for the GIC in MA as a way to cut insurance costs for municipal employees. In the past year they have eliminated high performing programs such as Tufts Navigator in favor of under performing insurance programs where you can't even find a primary because they won't accept Unicare Plus. Basically my family and I have relied upon emergency clinics such as CVS for our primary care coverage. Additionally the deductible is comparable to having no insurance coverage at all unless you have a terminal illness and even then you probably wouldn't be able to get or afford the treatment under this program. Useless and shameful way to treat municipal employees, including your police officers and fire fighters who no longer have a choice under the GIC in MA."
Commented on 2017-06-13 07:02:56 EST
"The only reason I have Unicare as a disability insurance is that it is negotiated benefit through my work and my union. This company will do anything to get out of paying benefits. My personal injury happened on a weekend specialist isn't in the off on Saturday. I went to the Urgent Care on Saturday Mat 13th, first available appointment for specialist was Tuesday May 16th. Dr.s office put on disability paperwork 5-16 as start of disability. 1 week later Unicare says the disability start date has to be the 13th because that was the date i was first seen, even though it wasn't that doctor i had seen. Fine, Dr's office changes the date, a week later Unicare calls to tell me that the date on paperwork is incorrect it should say 16th, the original date that was on paperwork that they had received. My Dr's office has handled paperwork for numerous disability insurers and they have never seen anything like this before. If i could have any other company i would, but i am stuck with Unicare. Almost 1 month off work and still do not have my disability benefits."
Commented on 2017-06-09 07:53:45 EST
"unicare health insurance is disorganized. customer service is saying anything to not do any work. they also lie. I have been told different answers for a coverage claim. > the handbook is a scam . says specific tests are covered then they don't pay . they do not even follow their own appeals process. I am now suing them.>> "
Commented on 2016-04-01 15:36:53 EST
"My dad died September 16, 2015. Things started very well with the insurance company until at some point they stalled at delivering payment, long story short. I'm writing as a beneficiary and I currently have a lawyer involved. Anyone with problems is encouraged to contact the department of insurance and file a complaint if necessary in your own case. I'm still waiting for my check to arrive because I really need that money due to my specific type of situation. I have a copy of the claims form as well as my dad's obituary along with other documents. Most of the paperwork has already been faxed over to a lawyer, I will be faxing a copy of my claims form along with dad's death notice tomorrow "
Commented on 2015-12-01 15:26:10 EST
"My dentist's office and I have been going around and around for crown coverage performed on 12/29/14 in the amount of $1900 I have been a member for several years and UniCare consistently makes it difficult for my dentist's office to submit claims for service--they are told they haven't received the claim, x-rays, supporting documents, etc. My dentist's office has to resubmit the documents and fax several times for each claim. For the service of 12/29/14 UniCare is saying they are not providing coverage for "incomplete treatment." UniCare provided the name and telephone number of the consulting dentist who reviewed the claim/documents and said he could be contacted by my dentist. My dentist has called several times and the consulting dentist has not returned the calls. Now UniCare is requesting "post-op" x-rays to confirm the treatment was completed Does UniCare really think I would settle for and go home with incomplete treatment? It is an insult and absurd for UniCare to insinuate that we are trying to rip them off--they don't provide all that much coverage to begin with to even bother trying to rip them off. Ever since UniCare no longer provides individual dental coverage which I still have they have been increasingly difficult to deal with--are they doing this on purpose so I will drop them? I do not recommend UniCare dental coverage."
Commented on 2015-06-24 13:13:31 EST
"Out on medical leave. They constantly give me the run around with now payment. I am sick and don't feel well. I am on the phone with them everyday. SAD"
Commented on 2015-06-11 07:09:13 EST
"Just plan if you get anything outside of a physical you are paying 100 % of the bill. Outside of the the medication they pay nothing. "
Commented on 2014-12-12 02:24:25 EST
"So I had a bill go into collections because the bills were being sent to the wrong address. SURE that a mistake had been made because I had gone to the doctor's office for my annual check up and that was it. I come to find out that Unicare only covers checks ups at the doctors every THREE years for ages 19-39. I called my doctor'a office to cancel my upcoming appointment because I can't afford 250 for one office visit I just graduated from college and am trying to save money for graduate school and the receptionist at the office was completely shocked when I told her. She said she had never heard of a policy like this. I am going to change my insurance immediately. "
Commented on 2014-09-24 13:11:50 EST
"It is 2013 I went to go buy a car they pulled my credit report and I have unpaid medical bills from 2009 I was never notified of and unicare should of cover and now I'm trying to figure out how to get rid of and it is a nightmare I had unicare threw my parents insurance from 2001 to 2010 my sister went to the same doctor for basicly the same broken leg problem and she was cover fully and my own doctors office couldn't even find things wrong with that but now in 2013 they say call unicare to handle it and there phones in chicago have been diconnected fin awsome company they should not be able to practice in the united states or any other country for that matter "
Commented on 2013-03-12 10:31:39 EST
"Dishonest and inconsistent. Terrible to work with. Beware."
Commented on 2010-12-17 06:40:21 EST
"Insurance nickels and dimes, and does not pay its share of what it legally should. "
Commented on 2010-09-06 20:20:58 EST
"I have Unicare Security Choice Plus (PFFS) and it is the worst insurance I have ever had. I went to the emergency room. Their card reads there would be a $50 charge. Their book also reads the same. I had to pay $65 more for a cat scan in addition to the $50. I had an ultra sound done for which the charge was $125. I paid $75 and they paid less than $25. On lab tests, they frequently pay nothing and I end up paying the difference between the charge and Medicare contract. This firm should be forced to go out of business. "
Commented on 2010-04-25 12:11:29 EST
"2 years ago I had Unicare, then in 2008 I went to another company. This month, Jan 2010, after not being a member of Unicare for 2 years, they went into my bank account and DETUCTED $560.00 to pay for THIS years premiums. Now I am in a fight to get my money back. This company is unbelievable, and this had been a extreme hardship on my family. I would not suggest this company to anyone. "
Commented on 2010-01-20 15:41:43 EST
"Unicare is the poorest excuse for a health insurance company you can imagine. You are insured by these people only in your imagination. I have personal experience with them that can only be described as horrifying. Recently it was pointed out that Senator Max Baucus secretary came from Wellpoint, the parent company of Unicare. Are we in for a fleecing by the insurance industry? I think so."
Commented on 2009-10-19 09:04:40 EST
"Both my husband and myself have had more than one claim denied because the insurance company claimed that tht particular doctor was out of network-well, guess what, the doctors were not out of network in all cases when we checked. We then had to call back several times until the company admitted that the doctors were not out of network and they had no reason to deny the claim. The insurance company systematically lies so that they do not have to pay your medical bills. This is a disgraceful company. I have to make lengthy phone calls any time I want to see a doctor. Horrible."
Commented on 2009-08-30 14:26:56 EST
"Disgraceful! "
Commented on 2009-08-12 20:46:40 EST
"They refuse to pay for the well-woman preventive care (pap, mammogram). The reason: Dr. ordered tests which indicates I went to the Dr. for a problem. A pap smear requires tests (that is: lab work)! The mammogram was verified as covered prior to making the appointment and later denied. I could have had the services much cheaper at a non-Unicare network clinic."
Commented on 2009-08-10 13:14:02 EST
"Unicare is doing everything they can to not pay for covered services. Apparently this is how they work. Take your money, leave you out to dry. AVOID ANY AGENT WHO TRIES TO SELL YOU A UNICARE POLICY!"
Commented on 2009-06-24 14:11:51 EST
"I'm sending this as an agent rather as an insured. I've sold individual Health insurance for over 30 years and these people are the worst! My secretary threatened to quit if I ever sold another policy with them."
Commented on 2009-05-03 17:53:12 EST
"Unicare devotes much energy towards finding any reason to not pay any of your claims. They devote little or no time to reading any of your appeals or assisting you with appealing their unfair decisions. They threatened to sue me for all retroactive claim payments upon finding out I had a fender bender many years before which itself resulted in no diagnosis of any issues by my doctor. They have managed to use a waiver based upon that to deny paying everything from physicals to blood work. I am in a lengthy appeal with them now and I plan to win it no matter who I have to take it too. Do not sign up with them. "
Commented on 2009-01-20 14:43:44 EST
"I have Performance 1000 plan. The plan suppose to pay for Mamogram for woman (Preventive care) once a year. Unicare refused to pay for Mamogram. I contacted customer service. The agent told me that I was correct, Unicare would take care of the claim. 6 months later, I received the bill from the collector about that unpaid bill. I contacted Unicare again, this time, the agent told me that whatever the previous agent told me was incorrect and I should not trust anyhing any Unicare agent told me (?). According to this agent, Mamagram is not under Preventive care, therefore, Unicare would not pay for it. However, if you go to Unicare website, Mamagram is listed under Preventive care. Unicare just tries to get out of payment. Unicare is a scam and their agents are very unprofressional. The way they treat the customers exactly like all the scammers treat their victims, take the victims money and blame the victims for their fault. "
Commented on 2009-01-15 17:05:26 EST
"Somehow I paid over $5000 for a $6500 operation on my son. and the beat goes on"
Commented on 2009-01-14 14:18:52 EST
"STAY AWAY FROM UNICARE! Oh where do I begin? Let's see... They didn't cover office visits that they were supposed to cover. The office sent them the claim 4 times over 10 months and they kept saying they never got it. It took me 10 months to get them to finally pay it, only after I drove around to 3 different doctors, paid for my own medical records, and faxed it to them myself 3 times! On one phone call I literally sat on hold for an entire HOUR before I got someone. Our premium has gotten higher and higher every year. Last month I got notice that it's going up FIFTY DOLLARS a month! Don't bother paying attention to the deductible! We've met ours at least 4 times this year. Each time we get the explanation of benefits, it says the amount billed by the doctor is in excess of what they allow. When I was pregnant, I was prescribed a medication and Unicare would only pay for a certain amount of pills per month, which wasn't even HALF of what the doctor said I needed. As if all of that isn't bad enough, they actually charge us $20 a year to send us the bill through the mail! RUN AWAY from this awful insurance company! "
Commented on 2009-01-07 20:09:27 EST
"congratulations on the worst service followed by service reps who can only respond with "i don't know" or "that doesn't make sense to me either" or (paraphrased)"let me transfer you to another person who has no idea." I just want my prescipt for Crestor filled and you can't until the doctor signs a form that takes multiple days to process. It's Crestor... FDA approved... either you cover or don't... but don't tie the system up with maybe's! Premiums for me are up 25% in one year and service is terrible. It was not so 3-4 years ago but now nothing gets paid and all is a hassle for the pharmacy and now me."
Commented on 2008-12-23 14:21:21 EST
"Utterly disgraceful! EVERY claim EVER submitted to them (including general trips to my local in network doctor) has been rejected - even after calling Unicare in advance to confirm coverage! Forget just healthcare, this is the worst company of ANY industry I have ever had the misfortune to deal with. "
Commented on 2008-09-16 06:21:49 EST
"Customer service calls go to ESL call centers in foreign countries - they can't understand me and I can't understand them. I have questions about items in the plan documents and all they can do is read me the document - they can't answer ANY question. Demand to talk to an American whenever calling! Otherwise, fairly decent as far as insurance companies go. I've never had a problem with claims. EXCEPT for the fact that if you go to the ER and don't get admitted you have to pay the entire bill minus the 'insurance discount'."
Commented on 2008-08-03 15:38:00 EST
"The worst medical insurance company"
Commented on 2008-07-20 09:12:14 EST
"UniCare is a terrible insurance company. The customer service is awful. A simple change of address turns into a battle. The employees are extremely unimformed. I would definitley recommend buying elsewhere. Save yourself the stress!! Also, they did not cover my son's well visits or immunizations. Sad! Most insurance companies cover this because it is preventive care."
Commented on 2008-05-12 13:57:52 EST
"Unicare HMO made almost all medicaions level 3 which means to me a 50 dollar co payment and it was 15 dollars last year. They also try to come up with any reason not to pay anything. This use to be a good insurance. Now it is the worst insurance I ever had. I can't wait to get rid of them"
Commented on 2008-05-05 19:14:07 EST
"Unicare is the worst insurance company I have ever used, and I would advise others to find their insurance elsewhere. This company denied most of my claims for the medical costs associated with my diagnosis and treatment for cancer. For one thing, they denied most of my surgery because I was treated in an outpatient facility, which I find rediculous since such treatment is almost always less expensive and therefore should be used whenever possible. In addition, the company refused to pay for a biopsy because they stated that my "super saver" policy only covered $300 for all labwork. Finally, their customer service was worthless. Not only did they give me the run-around when I called to find out why my claims were being denied, but they also failed to forward the hospital/lab costs onto me until a full year after treatment; and this resulted in my inability to include all of my 2007 medical costs onto a single year's tax return.. "
Commented on 2008-04-16 13:17:24 EST
"Their accounting procedures are criminal. "
Commented on 2008-03-28 20:45:01 EST
"They tell you one thing on the phone and then when you call in the ask if you have what they told you in writing. If you don't they don't honor what they say."
Commented on 2008-02-18 08:45:51 EST
"Even if you buy a premium health policy from Unicare the Customer Service stinks. Once you meet the deductible they try every way imaginable to deny claims. Because of preexisting conditions my family has to stay with them. They also outsource Customer service to foreign countries so often your talking to someone with poor English skills and little knowledge. "
Commented on 2008-01-04 13:35:49 EST
"worst company, denies almost every claim. Had to bring the state into the settlements. Over priced. "
Commented on 2007-12-05 17:13:43 EST
"My doctor's staff say they have seen this before with Unicare. They wish that the doctor would just refuse patients with Unicare Health Insurance. Unicare advertises protection for the individual from the high cost of medical bills. But what they really do is collect the premiums and abandon support when you have a sizeable claim. My experience is that prostate cancer bills remain unpaid after 120 days. My policy is a PPO and all of the providers are Unicare certified providers. Everything is submitted. Unicare admits they have everything that is needed review the claim and settle. Erisa compels resolution in 90 days. Unicare's position on the matter is the insured is helpless. The doctors are demanding payment from me because Unicare has not paid. "
Commented on 2007-10-17 11:50:51 EST
"My disatisfaction with Unicare is based not on services rendered but that the Provider Directory is out of date and at times I've called more than 20 doctors only to find they are not on my plan. I've been unable to locate a physican that has privileges with NYU Medical Center which is the hospital that I would prefer to have access to. "
Commented on 2007-08-08 10:30:26 EST
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