I purchased UniCare dental insurance for my son, paid my monthly premium and then took him to the dentist for a cleaning. To my surprise I was liable for the entire bill, that’s right the insurance paid nothing. Here is how this works. The dentist performed $124 in services, routine cleaning and exam. UniCare only pays $50 of that amount, so I'm liable for the $74, plus a $50 deductable. That’s right I have to pay the entire amount of $124. Needless to say I have canceled this insurance, I feel like I was scammed. Insurance that you pay into but don’t get anything for… I wish I would have done my research on UniCare prior to spending my hard earned money on insurance that did nothing for me.

Unicare usually pays 50% to 20% on doctors within their own PPO, even though they promise to pay 80%. Do NOT buy Unicare health insurance. Unicare sucks. Unicare are liars.

Unicare insurance is like having no insurance at all. They have denied all of my claims. Keep in mind these are doctor's visits for a healthy 24 year old female. Do not use them!

is ok, tHE RATINGS DONT LOOK ALL THAT GREAT

Their customer service is awful. They can't even give you basic information from the coverage book. My child had surgery last month which was pre-certified and I am still waiting for my copy of the letter! I've called three times and the person this morning told me to call my Drs office and get it from them! Called three times for replacement ID cards and not gotten those either. Once you hit your DD, watch out, because they look for anything and everything to deny a claim (in my experience). I am in insurance myself so I really feel for people who are not and are getting steamrolled by these idiots.

Unicare denied my knee surgery claims, saying preexisting. But I had seen no doctor before. I did tell knee surgeon I felt some pain a few months prior when stretching, but he said that would not tear knee meniscus (cartilage). Unicare claimed preexisting BEFORE they even had the doc's notes! I did ask insurance agent about the knee pain and how to handle on the application med history questionaire, he said don't self-diagnose. Unicare also 1. Ignored my written request for "what" was preexisting, and when was that? 2. Ignored my Creditable Coverage certificate , which policy says they "will" issue credit for 3. Now threatens to rescind policy if I don't accept knee exclusion waiver in 12 days 4. Gave me a fax number to which I faxed doctor's opinion letter, which they told me the next day "is an old number"a 5. Told the hospital billing dept. that "something happened in October" I can smell $$$$'s!!! Can you??

hi this is jerry again...i mis read the rating scale on my last note and mistakenly put the wrong input....i wish i could correct it...p.s i also i want to say good luck getting your ck on time...seems you have to call every time for them to send it...with a excuse of there are being sent from a different place and should be on time next time but then again get the same excuse,,,take care JT

Unicare denied my disibility claim after they have had me see there here say insurance doctor said i was able to work...these doctors work for the insurance and are telling what they want to hear...so they call my house at 5:00pm andtell me to report to work the next day!!there is no way i can workmy job at this time of recovery..they dis regarded my primary doctors documents and sent there doctors notes to my employer..now i have no income and they what me to pay 100% cobra...i want to go to work asap but still recoverying from a accident and in to much pain and healing. don't let this company scare you like this ...the bottom line is what your primary doctors says to do...and i'm not going to let them get away with this I'm fighting this...what is there deal? people need to heal and my doctor said i might be back in a month or so if i keep showing the inprovment...bottom line it's all about the money..how do they sleep at night!!!!well i hope this helps take care JT

I have been impressed by the right kind of customer care service that I am enjoying from Unicare for the last three years. When I chose them as my health care insurance scheme, there was no doubt in my mind as I always trusted their quality and now after becoming their member, I am happy to receive their insurance to meet the increasing hospital expenses. All my personal and family health expenses are being met by Unicare.

With a wide range of insurance services like health, pharmacy, dental, life and disability benefits, Unicare has been a part of my life since more than three years. I am really satisfied with their services and I can assure that you won’t get any better customer services like Unicare. If you haven’t still invested in any insurance company, then this is a right time to go for Unicare. So, why wait? Make your life safe and secured by being a part of the family of Unicare.