Complaint Review: United Health care ARRP - Nationwide

I have been on United health care ARRP medicare PPO for a few years and I am finding that the providers on the net work are not providing the services and over billing. my twenty percent is not disclosed at the time of the procedure and I recieve bills that are not adjusted by the insurance company.  also, to discover that United Health care ARRP has contractual amounts for the procedure with the providers that they will not disclose the amount to me until after they recieve the bill.

So I am not sure what the twenty percent of the cost will be.  It should be fully disclosed at the time of service or before the service so that I may find a provider that is within my budget and gives quality care. i have been over billed by the provider and charged up front for medical equiptment from the provider instead of them giving me the prescription so that i may go get the medical equiptment at a better price.  The provider states that united denies alot of claims and so they need the money up front for the equiptment. i called United and they stated that they never recieved the claim yet, I do have the copy of the denied claim and the provider put 1,200 for the equiptment and it only cost me 25.00 at the medical equiptment company and the provider also, had me come in 5 times at 50.00 per visit and still did not resolve my situation and also, chargers the 50.00 just to read the medical report from an exam that they ordered. It should be included into the visit fee.

My cardiologist sent me to an out patient center and stated I was approved yet, at the time of the procedure I was not informed of my twenty percent.  So when I got my bill from tenant corporation it was 81,000for the procedure and then I called United and they stated it was not the contractual amount and the bill would be adjusted and it was to 1800.00.  

another area is that my primary and other primary physicians are not going to see a patient if they do not have their co pay even if its in a very serious situation. So the deal is that the physician gets the co pay and then they get the rest of their fee from the insurance company. So they are making at least 120.00 per visit.  United health care is recieveing at least 900.00 per month per patient that opts out of staright medicare to give the necessary care the patient needs instead of the governement managing it. So 900.00 per month x lets say.... 200,000 paitents. they have a steady cash flow. CASH COW.

Yet, they take more than 30days to resolve a claim.   what is going on..

also, the HMO vs. PPO is biased.  not many good doctors on the HMO vs. the PPO plans.  The doctors are the problem they are way overpaid and too specialized and the American medical association is protecting their incomes.

Health care is a right not a priviledge.