this post was submitted on 05 Aug 2025
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I switched jobs once because my company switched to Aetna. You think United is bad? Let me tell you, at least they covered my three $108k infusions for my new autoimmune meds. Aetna didn't cover shit. And the meds I used to take would have cost me $460 a month for what was previously $60. And, they didn't even cover the required regular bloodwork.
Sure, I hit my $5k OOP max with United last year. But they covered about half a million with no pushback. And the hospital let me split up the $2300 I owed for the infusions over 3 months. So, it wasn't even that bad. That was a one time thing, as that was just the starter dose.
Not saying insurance isn't a racket. Just that United hasn't been an adversarial boogie man in my experience. Priority Health fought me on every refill. Man, I miss HAP's 0 deductible Cadillac plan.. I once had emergency surgery and spent a week in the hospital for free. Those were the days.
United had the standing record for denied claims until their CEO was murdered for denying claims. In the wake of that, they started paying out more, but have slowly shifted back to denying more and more.
I know they did, my experience was pre-ceo incident. My experience has been so good with them compared to the the other policies I've had in the last 7 or so years, I honestly had no idea about their reputation until the incident.
I realize my experience is likely an outlier. I was completely shocked when I found out about their reputation.
It makes me kind of wonder if perhaps there is a positive bias towards me due to my race and age or something (which would be a nefariously awful thing I wouldnt put past acompany like that), but I would imagine my preexisting conditions would be a negative. I don't know, I just know that I definitely considered myself very lucky after hearing about how shit they are.