surest.com Recenzje 

I made the mistake of assuming that a colonoscopy was completely covered cost wise given the broad wording in the marketing that noted that preventative care was a $0 co-pay. That only applies to CLEAN scans. In my case, lesions found were removed, but to actually TEST the lesions invokes a co-pay of up to $1200. I was told after calling thinking I was double billed that one needs to shop around to find an endoscopy center with the lowest co-pay. This is at best deceptive marketing.

Why is there not a 0 star option. We had UHC PPO for YEARS and were so pleased; then my husband switched jobs and we got shafted with Surest. Is this even healthcare, or UHC's way to offshore the call center, require the insured to do all the legwork, and yet somehow charge us more money?

My kid's doctor appointments are more money now, our monthly insurance charge is also more, and the meds are more money now.

Plus, there are doctors in the app that are in-network and have no copay listed, so yay, that means I get to call Surest to figure those ones out. This should be illegal.

My job switched to surest and I cannot log into my portal. When calling support I'm being told "we cannot figure out why you cannot access portal" so if you have to use United Healthcare I recommend getting someone else.

Our company switched us from United Healthcare Choice to Surest and effectively gutted employee benefits. Surest claims "No Deductible" but they are simply calling it Co-Insurance now. My medical costs have SKYROCKETED under Surest and despite having to contribute to the cost of this NON-coverage, I am now unable to seek necessary medical care because of the astronomical cost. This is a total scam.

If I could leave zero stars I would. As a someone dealing with billing, they are absolutely worthless. Customer service is an absolute joke, and claims don't get paid. (STILL waiting on a payment from APRIL in almost OCTOBER) The AI robot is an absolute JOKE, when it could give someone a JOB. And the customer service reps just pretend they can't hear you and hang up on you when they don't have answers. Don't waste your time credentialing with this insurance provider. You'll spend more time and headaches trying to get paid than actually being able to help people.

Edit: Surest replied asking me to reach out for help. As if I don’t have a whiteboard with 10 tallies of phones calls and a call reference number for this matter I am STILL working on. Again, a joke of a company.

This is honestly ridiculous. Surest seriously needs to update and improve its app.

I spent over two hours trying to schedule a basic PCP appointment, and I still was not able to schedule one.

When I searched for a PCP in the Surest app, it provided me with a list of doctors, including their names and phone numbers. I called more than 10 doctors from the list. Half of them told me that they do not accept UnitedHealthcare/Surest insurance. Then why are they listed as available PCPs in the Surest app in the first place?

Others told me they are completely booked until March of next year. Some offices said the only option they currently have is a nurse practitioner, with appointments available in December.

So what exactly is the expectation here? Am I supposed to wait until December just to see a nurse practitioner for a basic primary care appointment? And if all the doctors are booked for months, does that mean I need to schedule a PCP appointment six months or a year in advance every time?

If I have a health concern that needs to be addressed now, what am I supposed to do?

The provider directory needs to be accurate and up to date. Doctors who don’t accept the insurance should not appear as available providers, and there should be a clear indication of actual appointment availability.

Finding a PCP should not take two hours of calling random offices from an insurance app and still end with no appointment.

Please fix the provider directory and make the app actually useful for finding in-network providers who are accepting new patients.

Denied my claim for knee surgery. Then a month later denied my claim for a loop recorder (heart monitor) saying it wasn’t medically necessary. I don’t know what medical school they attended to determine that but my doctor thinks it’s pretty necessary enough to schedule the procedure of implanting a device IN MY CHEST. Worst insurance company I’ve ever had. Absolutely terrible experience.

Denied my essential blood pressure medication and blocked my essential procedure I needed from my urologist. They have been an absolute nightmare since my company switched to them from Cigna. For profit insurance companies should be illegal they only thing they care about is collecting premiums. I see why buddy got pew pewed. I am not unique in my experience. Me an my fellow co workers are going to advocate heavily against them and if the company does not change I will drop all together and go under my wife’s plan with Blue Cross. Wish there was a 0 star!

They do not cover anything. There is no way I should need a prior authorization to get insulin being an insulin resistant diabetic. Then having to wait for them to complete the PA. Then them only offering to pay $30 leaving me with the whole fee for the rest of my needed medications. Like they really don’t care if you live or not. Customer service sucks nobody knows anything and I’ve spent so much time on the phone being transferred from department to department with no resolution. They are prejudiced when it comes to in network drs. They make you pay more for certain in network providers than others. The app never works and doesn’t show correct pricing. I’m paying all this money for insurance and not getting the coverage or assistance needed to make it worth it. If I could give -5 stars I would.

They don’t even deserve a one. Absolutely horrible horrible Customer Service. You speak to someone in a Third World country and if they don’t like what you say, they hang up on you they put you on hold forever. Telling my employer to change insurance carriers. They’re rude and lack of professional professionalism is unacceptable.

When a cyst the size of a grapefruit on an ovary burst and causes sepsis infection or hemorrhage because your insurance keeps denying surgery you will be sued!!! If it were one of you I wonder what you would think????!!!!!!
UHC Surest- Worst insurance company!!!!!

Surest is by far the worst insurance company to work with. I am provider for someone with Surest Insurance and was on the phone for overn3 hours trying to get tech support for submitting claims on-line. Optum was a breeze and I was able to get on-line with them in less than 15 minutes and submitted my claim. With Surest I was given 10 different phone numbers and spoke to 10 people all of whom could not help me. I have called the various numbers on line for Alison Richards, CEO and they are non-working numbers. I left an email message for Surest support and have heard nothing back. United healthcare is known for its' aggressive tactics to not pay providers but even this is beyond my comprehension.

Terrible! One day you go the dr for a sick visit and it's 30, the next time it's 120.00! You can't pick what provider you see for sick visits. Horrible way of billing for services. I went on the app to find an mri for my son that was 200.00. I even called to verify the same day that it would be 200.00 with my plan and I was assured it was correct. I have the screenshot from the app showing it was 200!
One month later I get a bill for double the fee (400.00) I was told. I asked them why when I called I was told 200.00 if it was indeed 400.00. Also asked them when they changed the prices on the app for mri's..no answer.
No record of the call even after giving them the exact day and time of my call. Oh and surprise surprise...I went back on the app today and the price now says 400.00. Can't wait to get rid of this insurance..scam

I had an upper GI series done in July 2025. I had used this facility several times per recommendation from my primary care providers. This time, I received a huge co-payment. I called Surest to find out why so high. What I found out was that I was supposed to go shopping for a facility in my area. I had never heard of such a thing. My advocate tried to show me, and she had difficulty, but finanny figured it out. I lodged a complaint that I had never been educated as to how to search for a facility, only how to determine if a doctor or facility is in or out of network. I appealed the charge several times, asking for a reduction in the co-payment. The process was tedious to the extreme. They would not let me talk directly to the review board. They did not think that they did anything wrong. They were negligent. It took nearly half a year, and they rejected every appeal. I am filing complaints with the BBB and with the insurance commission.

What a POS company- this company is a UHC company-which I was employed by, so was my primary insurance during that time of this claim. I also had a secondary insurance- which got billed for a sleep study in October of 2025. I just heard (4/14/2026) from my secondary that they had paid the full claim as Surest wasn’t billed for some reason. So they have now took back the payment as the primary insurance was not billed. So I contacted Surest - which would not provide a copy of the card (no longer employed with UHC) and they are denying the claim as it was not processed within 90 days. Ummm- I have worked in insurance for 18 years- if you were covered at the time of the claim, and was something covered by the policy, it is paid. Apparently, all the time I stuck up for UHC - I was WRONG- they suck!

I am a licensed Health Insurance Agent in the state of NY and I when I call to ask a question on billing, I am given 3 different explanations, 2 of which are not even legal billing practices in the state. ie - 'pricing' is based on the doctor, and location. So you could see the same doctor in 2 different locations and have 2 different copays. Really??? You are invited to look this up ahead of time, to 'avoid' unexpected bills... but the rates listed are not what you are charged. And no one at Surest really understands if there is such as thing as in network or out - or how we would find out those bills ahead of time. Each time I call I am on hold for 30 min. No joke. While they get a supervisor to answer a billing question. About billing. It's ridiculous. Another problam, many times you go to an appointment at a large clinic and get a different doctor, so how does that pricing work? or if they need to run tests - apparently you have to hop on the app with the codes before you get the tests to see what the pricing is in that clinic. Really? And if its cheaper down the road are we supposed to hop on down and go somewhere else? Specific issue - this tells it all: Surest website telling me $80 for the doctor. Ok, my bill says Surest made them knock the bill from $300 to $105 (they call this an adjustment), they pay $5 and I am on the hook for $100??? Not even the $80 on the website.
Surest is sure making money, but we are going broke with no real transparency. So sad that this is who FEDEX trusts with their employee health plans.

The worst insurance I have ever had. You check their website and you that a specific doctor will cost $40. You think to yourself “ok, not that expensive”, but you end up paying much much more. Stay away from Surest.

I was worried about switching toSurest under United, but so far it's actually been saving me a ton on most of my doc visits. One specialty rx went up in price, but mostly everything else went down. The secret to Surest is that you need to research everything (doctors, medications, etc). But you should be doing that anyway, unfortunately it's a requirement under our systems in the US no matter what insurance you have.

I'm new to Surest, having always had a PPO plan. I decided to give this a try due to lower monthly payments and price transparency. Yesterday, I had a need to look on my app for a virtual visit. On the Surest app it said that Teladoc was a $0 payment. I scheduled the visit and was told it was a $54.00 payment. When I contacted Surest, they said that it was in fact a $0 visit; the money collected up front, once Teladoc learned of my cost for the visit would be refunded to me. No idea of when. It's truly false advertising to say this visit would cost me $0, then be charged $54.00 with no anticipated timeframe to receive this money back. I will now question any cost I see on the app before proceeding.

Everything is out of network. Only obscure, cheap and inefficient doctors and facilities are in network, and the copay for decent primary care? 75+. I regret ever even thinking of joining this atrocity of an insurance product. Should have thought better than to think a United Health”care” product would be good. Avoid like the plague. Because if you catch it while under this awful system, you’ll pay out the rear for it.