Shameless Corporation of the Week Award
Marlene is a single stepmom who is raising the two children of her deceased sister. They live in a cramped apartment and stretch a dollar as far as they can. She is extremely responsible about health care for herself and her stepkids. Since I don't contract with United Health Care, she pays me and sends the bill to United for them to reimburse her. Over the last two years, they have reimbursed her ZERO for health visits and illnesses for herself and the teenage kids.
Under the contract with United, they should pay a portion of "out of network" care. United has a pattern of delay and hassle that is repeated over and over. United sends me forms to fill out after each visit, even though they have the information in full on the bill I give her to submit. They want a complete duplicate of the information that they already have. When I resubmit the forms they stall and after 90 days they send a denial, stating they did not receive proper information and allowing me to "appeal" on the patient's behalf. When I send the appeal letter with copies of everything, nothing more happens. This cycle can take about a year to complete. There is no phone number to call on the letters and phone calls to United Health Care corporate puts you on a recording loop.
United Healthcare is truly a shameless corporation. Despite the fact that my patient has insurance that should cover her and her step-children, I provide heavily discounted care because I know she will never be paid a dime by United.
The CEO of United Health Group was paid $3,241,042 last year and has a retirement account of $10,703,229. The prior CEO of United was paid $342 million over 5 years. I don't know what his retirement is.