UnitedHealthcare has denied for a third time my daughter's emergency, life-saving surgery that was necessary while we were out of town. We were also out of network, but the surgery was necessary to save her life. We took her to the nearest hospital. UHC denies the multiple charges, saying we don't have coverage when out of network, except for emergencies. We had the surgeon write them a letter explaining the emergency nature (which is blatantly obvious from all the medical records). The expenses are catastrophic and life changing... read full review »