Welcome to a startling look at the ten worst health insurance companies in the United States, where the promise of coverage usually meets frustrating roadblocks and disappointments.
In the difficult world of healthcare, these companies have gained a reputation for offering bad service, refusing claims, and giving little assistance to policyholders.
Despite their vital role in health care, these insurers have left many Americans feeling unsafe and abused.
Join us as we shine a light on the dark side of the healthcare industry, revealing companies that have failed to uphold their promise to offer dependable and accessible coverage to all.
Top 5 Worst Health Insurance Companies
Unum Health
This insurance company made the list because they had so many unresolved complaints on the Better Business Bureau website that their excellent A+ rating was dropped to an A-. Why are there so many complaints?
Some members claim that Unum repeatedly denied their assertions, claiming that their information about the members was incorrect.
Others allege they were wrongly billed and did not receive the necessary compensation. Some members even complained about being stuck with significant medical bills after Unum denied their claims for no apparent reason.
Unfortunately, not all health insurance companies in the United States prioritize their customers’ well-being.
Health insurance companies often deny claims and refuse to cover procedures that could save a life.
If more health insurance businesses focused on giving the best care possible to their clients, there might not be any “bad” health insurance companies in the United States.
Hawaiian Medical Services Association
While Hawaii is at the top of the list of states with the best healthcare, this health insurance provider ranks relatively low among private plans.
Like several of the other insurance plans on the list, the Hawaii Medical Service Association routinely denies legitimate medical claims, leaving members with hefty medical bills they cannot afford.
Some members report that they must file claims multiple times before being paid, and that HMSA periodically ignores their claims completely.
A quick check with the Better Business Bureau reveals that these events are all too common. Another common issue is inaccurate payouts.
One critic connects the issues to the association’s monopoly in Hawaii, which makes complete sense.
United Plan of Texas
Members of this specific health plan have also expressed discontent.
They believe there are too many restrictions on where they can receive care, and they regularly complain about poor customer service.
Wait times are excessive, and once an agent is on the phone, they are rude and untrained, rendering them incapable of assisting the member.
According to Consumer Affairs, 73% of individuals who reviewed United Healthcare gave it a one-star assessment. With more than 2,000 evaluations on file, it appears that at least 1,400 people were highly dissatisfied with this insurance firm. Those are not the odds anyone wants to face.
WellCare Health Plans of New Jersey
Many customers complain about this health plan, alleging that none of the customer service agents are knowledgeable about common problems and hence unable to fix many difficulties.
Different customer support representatives have been observed to tell customers absolutely contradictory information.
For example, one agent assured a member that he would be compensated for seeing an out-of-network physician, whilst another informed the member that reimbursement was not possible.
Others complain that the number of providers accepting this insurance plan is limited, making it difficult to find quality care.
When you visit Consumer Affairs, you’ll see a lot of aggressive language used to describe these health care plans. One reviewer refers to them as a fraud and a swindle.
In case you needed another reason to avoid the site, 76 percent of the reviews are one-star.
Tata AIG Health Insurance
Customers claim that this insurance company does not provide good customer service and that customer support representatives are “useless,” unable to provide adequate assistance.
Tata AIG has also been accused of failing to provide appropriate options for choosing a doctor, hospital, or clinic.
MouthShut reviews also paint a gloomy image. When it comes to the worst health insurance companies, Tata AIG must be near the top of the list. With over 500 reviews to examine, Tata AIG has a 1-star rating.
When you look at the specifics of these reviews, it’s easy to see why customers are upset. The claim settlement process is slow, with one customer complaining that they hadn’t gotten a payment in nearly a year after a house fire.
Tata AIG should be avoided for numerous reasons.
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