10/18/2025
It's national pasta day, and instead of stuffing my leggings (cuz that's where my carbs go) with noodles, I will instead do something healthier...rant MORE about insurance companies. Like UnitedHealthcare. Why? They are by far the craftiest (that is a thin veil for "unethical") and most difficult to work with. Here are some of their tactics:
1. The phone prompts I need to go through to get to a representative take about 3.75 minutes and over 7 different elections. If I fudge it by putting in a wrong #, the call can be terminated.
2. Depending on the plan, instead of sending a check to Thrive Midwives via snailmail or doing direct deposit into my business account, they sometimes send me a paper credit card voucher. In order to cash it, I have to pay a 3.5% "convenience fee," where they (Optum, the evil baby of UHC) get a cut of that. So they send me payment that ends up resulting in a lower payment to a provider or client. In other words, they make money off of my care. If I call and request a paper check, they take another 30 days to send that out. The longer they can hang onto their money, the more $ they make.
3. I have to go into their provider portal every 90 days and "attest" that I am still me and practice in the same location. Can you imagine what a large corporation has to do to complete those "attestations" for thousands of providers every 3 months?! If I forget, I cannot send claims.
4. It takes about 38 minutes to get through a verification of insurance benefits with one of their representatives, where they repeatedly put me on hold to look up a benefit for 4-5 minutes at a time, even if the benefit summary is right in front of them to read. They are likely hoping that the call will be disconnected or I will have to hang up in order to answer another call, have a BM, or God forbid, see a client.
Be under no illusions that all of these are intentional tactics to make providing, billing for care, and getting paid from UHC VERY VERY hard for an out-of-network provider.
Now I'm going to go take a walk in the woods, so that I refrain from spontaneously combusting from frustration (not from eating too much pasta).