Telephone customer service reps who make up answers that usually wrong, foreign-based call centers, email portal with reps who make up answers or say that your question has to be addressed on a phone call (even for straightforward questions), phone transfers that loop from rep to rep to rep, disinterested reps, reps that seem to fade in and out of consciousness during a call, EOBs that are vague and incomplete, incredibly low reimbursements to doctors, provider lists that are years out-of-date. That's UnitedHealthcare.