Hmo's Suck!!!!!!!!!!!!!!

  1. aaaaaarrrrrrgggggghhhhhhhh!!!!! i hate my worthless, cheap, crappy hmo!!!

    united healthcare is the crappiest hmo that ever was!!!

    first, they won't pay for my ocp's (which do they think is cheaper? a pack of pills or a kid???!!), now they won't pay for my regular meds i've been taking for 6 years becasue they (per the representative on the phone that i chewed out) "changed the rules for 2002" and you can only get a 'mantainance med' refilled three times then you have to pay full price!!!!!

    worthless piece of crap!!!
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  2. 10 Comments

  3. by   CountrifiedRN
    Sorry to hear about your frustration, I can really sympathize. I have Cigna HMO, and it's not any better. There is so much that I hate about it that I don't even know where to start! It takes them about 3 months to process claims, and that is when they don't deny them. I have had to call and listen to their automated message at least four times already this year, spend 30 minutes just trying to get a person on the phone (a person who won't transfer me to another dept), to tell them that they denied a covered expense. Usually the rep says "oh, I wonder why we denied that? Hmmmm. Can you ask your doctor to resubmit the claim?"

    I could go on and on.

    United Healthcare is one of the other insurance options we have, and we were thinking of changing to it during the next open enrollment, but would we be going from bad to worse?
  4. by   fergus51
    There are no good HMOs. They all suck. It's the price you pay for living in that democratic utopia....
    Last edit by fergus51 on Apr 19, '02
  5. by   shay
    Originally posted by fergus51
    There are no good HMOs. They all suck. It's the price you pay for living in that democratic utopia....
    DOH!! SHE WENT THERE!! I KNOW YOU DIDN'T JUST GO THERE, GIRLFRIEND!!!

    Yeah, I was waiting for one of you Candadian freaks to say somethin' like that!!! Dem's fightin' words!!!

    Luv ya ferg. :kiss
  6. by   NRSKarenRN
    Are your maintenance meds allowed to be filled for 100 pills or 60 day supply ---many are. that way might cover 300 days if once a day med.

    Also look to see if mail-order pharmacy plan available-that is usually cheeper option for maintenance meds.

    Since husband laid off, I just picked up PC health insurance (had old Blue Cross Personal Choice plan 27 years)! Our co=pay for brand name drugs goes from $10.00/script to $25.00/script and only ONE refill allowed for maintence meds-must use mail irder system.
    Since we have 15 maintenance meds between all 4 of us, this will be interesting. I PLAN AHEAD. Hubby-waits till last 2 pills; been trying to change him this year is like changing a tigers stripes
  7. by   RNforLongTime
    I have Medical Mutual of Ohio. Lucky me, I only take two maintenance meds for my allergies. I have to pay in full when I get the script then about a month later I get a chek from the insurance co.--we get reimbursed 80%. Unfortunately, the two meds I take cost 55 bucks each for a one month supply.

    For working in the healthcare industry, we sure do have stinky insurance, don't we?
  8. by   fergus51
    Originally posted by shay


    DOH!! SHE WENT THERE!! I KNOW YOU DIDN'T JUST GO THERE, GIRLFRIEND!!!

    Yeah, I was waiting for one of you Candadian freaks to say somethin' like that!!! Dem's fightin' words!!!

    Luv ya ferg. :kiss
    Luv you too :blushkiss I made sure to put in the smiley face so you would know I was ribbin ya! Besides, as a dual citizen I get to make fun of both countries!!!:chuckle
  9. by   shay
    BTW, Karen, thanks for the tip. We're looking in to delivery service through the crappy HMO from hell. For now, though, we've gotta suck it up and fork out the $200 for the meds.

    UNITED HEALTHCARE SUCKS!
  10. by   pkmom
    My pediatrician became independant from the hospital just before we found her. The hmo still doesn't have their ID number straight despite all the calls and faxes. With every appointment and every shot, I get a letter saying that i owe the entire amount. But at least now, after 8 months, the letters keep coming saying that I owe the entire amount, but they are paying. Does that makes sense?
  11. by   OBNURSEHEATHER
    Originally posted by kaknurse
    For working in the healthcare industry, we sure do have stinky insurance, don't we?
    Ya know, I live less than 5 miles from the home of the Jeep. Everywhere I go, I see Jeeps. Why? Because Jeep workers get AWESOME deals on a JEEP!

    Do you see the irony here?

    Heather
  12. by   betts
    10. Annual breast exam conducted at Hooters.

    9. Directions to your doctor's office include, "take a left when you enter the trailer park."

    8. Tongue depressors taste faintly of Fudgesicle.

    7. Only proctologist in the plan is "Gus" from Roto-Rooter.

    6. Only item listed under Preventive Care feature of coverage is "an apple a day".

    5. Your "primary care physician" is wearing the pants you gave to Goodwill last month.

    4. "Patient responsible for 200% of out-of-network charges" is not a typo.

    3. The only expense covered 100% is embalming.

    2. With your last HMO, your heart pills didn't come in different colors with little "M"'s on them.

    1. You ask for Viagra. You get a popsicle stick and duct tape.

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