called the phone number on my card to ask a specific question. After being transferred to the ao for the fourth time after being told by three people for me to a different department I lost my temper, hung up and decided that the only way to deal with these people is to find every single place. I can leave a review and leave the review. customer service. read more

I literally cannot believe my employer picked up UMR. State insurance literally dropped them. And then my employer picks them up? Gross. Additionally, I am really sick of them sending me these letters that say, this is not a bill. It is totally a bill. Out of pocket expenses they are not upfront about. What do you mean you negotiated my payment and determined I am paying more money? You are the insurance company. That is why I pay my premium and copays. This is oppressive. read more

For the last 6 months, they have been spinning. Me in circles, Portugal is lyrics and ugh. Tell me that they need to resubmit something and I need to wait 30 days before it will reflect on my account. I call back 30 days later and they tell me that they need to resubmit something again. And it will take 30 days this has happened. 4 times as of today, finally, I was able to speak with someone that could speak perfect English. And she was able to address my issue for the last 6 months. I have been calling once a month. Trying to get an issue with my insurance. Not paying for my physical exam. I had done at the beginning of the year if I could change insurance. I would, unfortunately, it's through my job. And I don't have an option, worst experience. I have ever had with any company ever. read more

Super trash con ponzi scheme company, who only exists because they make some sort of deal with employers to steal thousands a month from both employers and employees just to deny services their own system approved. Worst part they are so lazy they don't reach out to anyone like they are supposed to they don't reach out to the doctors and act stupid when confronted. You know it's bad when even if he hopital and doctor who got approvals is confused as to what this organization is doing. They can easily cost you thousands out of sheer malice and incompetence towards their customers whom they seem to forget pay alot of money for their services. Highly recommend at annual enrollment that you reach out to your HR departments and boycott UMR. They don't even deserve to exist as an organization and appear to be a curropt monopoly that needs to be broken up. read more

God help you if your claim goes to this place. Deny, deny, deny is the only language they know. You will suffer more than you already are. Not like they give a shit about any of these reviews anyway since they clearly don't bother to read the claims that are submitted either. Horrible company. Horrible service. Horrible everything. Thanks for denying my needed back surgery that is causing crippling pain. My specialist recommendation and MRI of my completly degenerated disc aren't good enough, I suppose. read more

UMR - Disc degeneration MRI - Medical Centers Near Me

This is the absolute worst insurance carrier .The folks on the phone speak zero English .They deny all claims and its a constant back and forth ..Free Luigi Mangione read more

Absolute nightmare. Zero customer service. I've reached out 30+ times and gotten nowhere--it's like talking to a wall. No answers, no accountability, no help. It honestly feels like their entire system is built to delay, deflect, and deny. Every step of the way, there's another excuse, another roadblock, another reason not to pay for care you're entitled to. This isn't just bad service--it's unacceptable for a healthcare company. When you actually need support, they disappear. Avoid at all costs. read more

I can't express how disappointing this insurance plan is. As an ICU nurse, I dedicate my life to caring for others, yet somehow I'm stuck with some of the worst coverage I've ever experienced. The premiums are extremely high, and for what? Constant denials and little to no support when it actually matters. It's incredibly frustrating to pay so much money into a system that seems more focused on avoiding coverage than helping its members. This plan has made accessing necessary care unnecessarily difficult and stressful. I expected better, especially given the cost. I would not recommend this insurance to anyone. read more

If i could give a 0 star i would! They are a joke of a provider. I've had UMR for over six months, and my experience has been extremely frustrating. Every time I try to use my insurance, I run into issues. I'm paying monthly for benefits I still haven't been able to access or use. Customer service has been a constant runaround. I call as instructed, only to be transferred back and forth between representatives who don't seem to know how to resolve the problem. I've been told multiple times that my account information was updated, yet I still don't have proper access. I've called repeatedly, kept confirmation numbers, and waited the promised 48-72 hours for follow-ups that never happen. Six months later, nothing has been resolved. Very disappointing experience. read more

absurb experience. overseas telephone support. bounced between 4 different people, all of whom were incompetent and just turfed the basic question. Benefits administrators, don't work with this company. They might be cheap, but they are terrible. Look elsewhere. read more

UMR A United Healthcare Company is by far the worst insurance company ever. They are denying paying for my daughters physical therapy, from random shoulder pain that would not go away, because we had a car accident that happened AFTER her first physical therapy appointment. I filled out their paperwork as requested and surprise surprise, they did not receive the paperwork. it has been 7 months. ill be looking for an attorney. read more

Paid all premiums. Paid deductible. Still denied claims. Bogus asking for co insurance. There is no co insurance. Employer sponsored health plan. Immune to action by state insurance commission. Had to give 1 * only because there is no zero * option read more

I've had to call UMR 7 Times today. Starting at 11:30 AM and I am currently on my 7th phone call now at approximately 1:49pm. I have been on the phone with them the entire time. I continually get disconnect and placed on extremely long holds. The last representative Just stopped talking refused to respond and eventually after silence for 25-30, the call was disconnected. i would not recommend this company to anyone, period, full stop. read more

Trying to deny my claim from surgery for a broken bone. Called like they said and Ai picked up the phone. Wouldn't let me speak to a person i imagine a shitty healthcare company would fire their staff to use Ai. The Ai agent was a bit frustrating and im not sure if the issue was actually solved. read more

10/10 would not recommend. They denied a claim for lack of pre-authorization on an emergency room visit. I had to do a three way call with their authorization department and their claims department because the claims department could not speak to the pre-authorization department. They have escalated this twice now and it is still not resolved despite the pre-authorization department confirming it is in fact approved. Confused? Yes that and angry, frustrated, annoyed..... Yelp won't allow a zero star review. read more

I would give 0 of I could. Cost is astronomical. Customer care service is horrendous. They refuse to give you to anyone higher up, they give a different excuse every time you ask the same question. They drop calls and don't return them. They take over 30 days to process claims. They do not communicate. ANTHEM IS MUCH BETTER. read more

UMR is a Scam, Not Insurance UMR is hands down one of the worst insurance providers out there. It's shocking that any company still chooses them for employee coverage. Their customer service is useless, their systems are broken, and their claims process is a complete joke. They deny valid claims for ridiculous, made-up reasons and leave employees stuck with massive bills. I barely visit the doctor, yet every time I do, I end up fighting over charges that should have been covered. They don't pay a cent if they can avoid it it's like their entire business model is built on screwing over hardworking people and their families. read more

beg for a different provider. They will fight you every step of the way and make you feel like its a crime to use the coverage you pay for.

Joke of a company. Met all of my maximums and they are saying that it's not medically necessary but why would we get it done for fun? So we prove it was a necessity ans not they are saying that they dont have any of our records. What a joke! Highly recommend using any other company. read more

They dont care if you live or die, they won't approve anything, medication or procedure wise. As long as they meet their bottom dollar, thats all they care about. But its the cheapest out there (so the employees get screwed over) so companies will use it. ​ read more

Horrible! Worst insurance ever! Obviously my company is just cheap and you get what you pay for. No one is able to help you. They use third party site for customer service and so you can't get claims processed correctly! read more

Worst insurance you can ever get. Good luck getting a representative on the phone. You will be transferred six times through different automatic messages before they hang up and refer you to their shitty website. Yall have a lawsuit on your hands read more

I can't even get logged onto the site. They keep sending me verification codes and then telling me they're expired. It's ridiculous.

Not happy. I have UMR through my employer and they've generally been okay. However, My daughter just turned 19 and we had to pick a primary care provider for her. The one the rest of our family has wasn't accepting new patients, but the reps (more than one) at UMR said they would get her in. Spoke with multiple people all assuring me that they can see that my daughter was assigned our family PCP but it won't take effect until July 1. Today is July 1, so I called to follow up and ask for a new ID card. Told, yes, not a problem. I'll order that for you. She puts me on hold and it reroutes me back as if I was calling in for the first time. This time a new rep tells me, no we have to pick a different PCP. I asked why each time I call I get different answer. Asked to speak to a manager, who of course is not available. I'm disgusted by the lack of professionalism. Bunch of buffoons. read more

As a medical professional I would never recommend this insurance. They are awful and when you call to talk to someone they speak terrible English and are very hard to understand. Doing authorizations.... They don't look at the medical records attached and then say that they need more information when it's all there in the first place. I just had a patient I submitted for authorization in 11/2025 and they just approved this week after multiple phone calls and submissions. They need to go back to school or maybe stop outsourcing to another country because the are so cheap! read more

Their website is horrible, their customer service is horrible, their claims processing time is horrible, their coverage is horrible and they will do their best to make it even worse when you actually submit a claim. read more

I don't use Yelp but I will today! 0/10 as far as company goes! Total nightmare to work with. When you call they seem nice on the phone but as soon as push comes to shove expect everything they say or list in the app to go out the window. They cover hardly anything, take for ever to process a claim. I would never recommend them or any of the other insurance companies in Utah! Not happy and all! They don't cover things that would help a human being get healthy and make the life changes need to prevent major health issues or problems down the road! Very unclear who is and isn't in netwotwork. The app is a nightmare to use and navigate, not user friendly at all. When it comes to help with weight loss medication/treatments, expect the run around and no clear direct answers. Be ready to be on hold and sent between department! read more

They sent me payment with a wrong payee and I am putting my time to correct it, but no one other than non-functional automated system answer the phone. Now I am adding another 1 star review for them. What a irresponsible company! I won't buy policy from them. read more

Review for UMR (Third-Party Administrator for UnitedHealthcare): As someone who works in Utilization Review, I can confidently say UMR is one of the most frustrating third-party administrators I've dealt with--and that includes Blue Cross, which is saying something. Case in point: if a client has 20 days of authorized treatment and only uses 18, most carriers (even BCBS) would approve an extension without issue. UMR? Not even close. You're looking at up to 15 days just to complete a review for something that should be straightforward. I've already submitted all relevant clinical documentation. There is nothing else to provide. Yet I'm being asked if I have "additional clinical" for a basic extension? The delay is not only excessive, it's borderline negligent when it comes to timely patient care. It genuinely feels like UMR is more focused on red tape than on actual clinical need. The process is inefficient, inconsistent, and unnecessarily difficult. Also, sometimes we get the automated woman on the phone who says "you can handle prior auths on the portal now and no longer need to call". Stop it. Unless you're a fan of endless follow-ups and avoidable care delays, I would not recommend UMR to providers or patients. 0 stars should be an option. read more

I've had BCBS for most of my life and recently needed to switch to UMR when I transferred to a new company. I have Crohn's disease, so navigating insurance is something I'm very familiar with. UMR is clearly and unabashedly dodging services. What I mean by that is that they are not hiding the fact that they intentionally avoid providing insurance services. Even basic things like sending you an insurance card or allowing you to create an account, lookup providers, etc., are made as difficult as possible. I'm shocked that the government has not stepped in as this company is, by definition, fraudulent, and is putting American lives in jeopardy. read more

worst place ever. You're better off not having insurance you'll save more money than if you have this company cover you. I had to go to the hospital and the hospital sent me a bill for $4693.33 and telling me that my insurance is only covering $112.63 responsible for the rest. called my insurance and a rude ass lady was offer to work with. do not ever used them I would have been better just saving my monthly payment that I paid them and using that towards my bills. they are way to expensive and don't cover shit. read more

We submitted our medical claims A YEAR AGO. They DENY it saying it has some missing documents, we have the proof that we sent them the documents that they asked for. We call them once a month and they say it is still IN PROGRESS/ BEING REVIEWED. It has been a year and every time I call they say that they send an ESCALATION EMAIL to the system. online APPEAL button does not work. They follow DENY, DELAY, DEFEND tactic. I am a teacher, I spend all my school breaks trying to resolve my case because they keep you on the phone for hours and NOTHING HAPPENS. I am sick and tired of this WORST customer service, lies, delay techniques! Enough is enough! read more

UMR - Medical Centers Near Me

So disappointed to have this insurance through my employer, a major healthcare system in NYC. The website doesn't work. Customer service is terrible. The coverage had 4 tiers to motivate you to see preferred providers, but it is impossible to find out which providers are in which tier, which completely defeats the purpose. There is one word for the experience of dealing with this company: Kafkaesque. read more

If I could give the 0 stars I would and that is just based on their reps. My dog would make a better rep. I have called to verify someone's benefits 5 times now and they just keep hanging up. I have 10 more patients to call on and they have wasted 4 hours of my work day so far and still don't have the info. I am a provider and this is complete bullshit, what are you paying them for???? read more

Worst insurance company imaginable, and I haven't even been able to manage my insurance! Over a dozen calls over 2 weeks trying to access my online account, none of the 1st tier tech support understand English very well, I have been hung up on at least half of the calls I make, and have never received a promised call-back. If I hadn't left the job with this insurance already, I would leave solely to never have to deal with this company ever again. read more

Cancelled my UMR health coverage during open enrollment three weeks ago and I'm still having $109 taken out of each paycheck. I'm not using my insurance so am I going to get my money back since I'm paying for something I'm not using and already cancelled? I honestly feel like I've been robbed. UMR IS STEALING MONEY FROM MY PAYCHECK AND I WANT IT BACK!!!!!!!!!! read more

0 stars if there was an option for it, I have been paying for years and was covered once through work. I had once last month of coverage and they denied the claim leaving my wife and I with $7,000 worth of debt that I have to cover since they conveniently do not cover what I have been paying for though I had premium coverage for every option available. Do yourself a favor and go with literally anyone else. Their automated system won't connect you to a live agent so you could give up on your claim. You would be better off getting the business numbers of mortuaries to plan your own funeral if you personally or your work goes through UMR. Consider this a warning if you are trying to find an insurance company who will actually provide insurance. read more

my husband and I recently just got this insurance from our employer at the hospital. We've never heard of this insurance before and we even had difficulty as trying to activate the cards and when we tried calling customer service to help we've had multiple rude interactions with customer service. I tried calling IT to help me with my activation process and the errors I was getting he kept talking to me like I was stupid and I tried being polite and responding to his answers, but he was never listening to what I was trying to tell him and was going off topics that I was not even discussing. My husband tried getting information on our members ID to activate them and the lady he spoke with refused to give us that information and kept dismissing his question. We barley one month this into this new year and we are already getting treated horribly and not helped. Please do not get this insurance. read more

Somewhere at the end of July someone in UMR's processing center zeroed out our co-pays and out of pocket sections when our plan is an annual plan starting from 1/1 to 12/31 each year. This put us in a HUGE bind as my wife had a few surgeries scheduled for middle of August, September and October and we had already met all of her co-pay and over half of her out of pocket. The surgery center who tried to verify amounts for co-pay and out of pocket showed we have paid nothing. When we contacted UMR customer we only go the run around and promise after promise from their customer service that it would be fixed and they would call us back and keep us up to date. They stated they had escalated this mess up of their's to be fixed, to their operational services managers department.....after 3 phone calls and attempts to clear this up from our end.....no one to date has gotten back to us. This insurance company could care less and the worst part is it was someone in thier processing center's fault for zeroing these fields out in the first place.....THEY COULD CARE LESS. HORRIBLE customer service and claims processing center! I wish our union would switch to another insurance! read more

I've had a very frustrating experience with UMR. I received a threatening letter claiming that my employer provided UMR information that they did not, and it warned of potential claim denials--even though I've made no claims. When I called to resolve the issue, I was placed on hold and then hung up on. I called again and was told that the representative "did not know" anything about the situation, which left me with no answers. Based on this experience, I am seriously considering switching to another insurance provider. The lack of support and communication has been very disappointing. read more