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Member of Ucare for many years. All premiums are auto-pay through my checking account.
Hospitalized on March 28, and repeated hospitalizations and TCU care until 5/18. UCare has sent multiple denials of coverage for various reasons. Out of Network, Coverage not in force, now, they have sent a denial for lapse in coverage, even though premiums have been deducted automatically every month, with no returned premium. I moved to northern Minnesota from Minneapolis to be closer to family and help due to my recent extended illness and the necessity for rehab.
I informed UCare of my new address in late May and was told that my Classic plan would not cover me in Northern Minnesota. I applied for a new plan, the Complete, which was cheaper by $73 per month, but had similar coverage and co-pays. The new plan was effective 6/1/2023. Both plans have the same policy number.
UCare deducted the June Premium but used the old plan premium amount, resulting in my overpaying $73.00. Okay, they can't refund that money but hopefully will remember to apply the overage to my July premium. Not holding my breath. My main problem is that because of the change in plans, UCare has denied numerous (35 pages) claims that were covered under Classic, for various and erroneous excuses, (Out of Network, Coverage not in force --prior to 6-1) and now they have informed one of the providers that my coverage lapsed from 4/30 to 6/1.
That means that the provider is billing me over $9000 as private pay, and I have 30 days to pay or it will be turned over to collections. ,,, I have spent hours on the phone with Ucare and providers trying to clarify and rectify these problems, UCaew has informed me that they will send the claims back for reprocessing (research), however, this process is now taking up to 90 days. BTW that 90 days is up from the 10-14 days they told me on May 28th, and that one claim is still not reprocessed.
Reason for problem..."Well, you did move". or System Glitch.
User's recommendation: There probably are companies out there that can provide better customer service and claims handling.
Monetary Loss: $15000.
Preferred solution: all claims paid before my credit is affected. "System Glitch" fixed. Apology..
Ucare Cons: Really poor claims handling, Really bad customer service.
Location: 500 Stinson Boulevard Northeast, Minneapolis, Minnesota 55413, United States
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