An appeal argues with your insurer. A complaint to the insurance department goes over their head. The second is free, takes about twenty minutes, and gets a regulator asking your insurer to explain itself — which is a different kind of pressure.
Read this as Texas data, because that is what it is. Texas publishes the largest complaint database in the country, so it is the best available picture of how a national insurer behaves. It is not your state’s record. If your insurer shows nothing here, that most likely means they write little business in Texas, not that nobody complains about them.
Picking a company sends its name to this site’s own server and nowhere else. That path keeps no log.
UnitedHealthcare
Filed under UnitedHealth Group · 3 entity names combined
- Health complaints
- 26,882
- Confirmed
- 3,590
- Confirmation rate
- 13.4%
“Confirmed” means the Department found the complaint had merit. A rate in the teens is normal across large insurers, so a number on its own says little. It is worth more as a comparison between the companies here than as a verdict on any one of them.
What people complained about
- Balance Billing; Unsatisfactory Settle/Offer7,508
- Denial Of Claim2,938
- Unsatisfactory Settle/Offer2,097
- Denial Of Claim; Unsatisfactory Settle/Offer1,417
- Delays (Claims Handling)1,276
- Unsatisfactory Settle/Offer; Usual And Customary1,146
If your denial matches one of these categories, you are not an edge case, and saying so in a complaint of your own costs nothing.
Source: Texas TDI. Health lines only (Accident and Health) — the same database also holds auto, home, and life complaints, which are excluded here.
Last updated 2026-08-06 · Not legal or medical advice