Requesting refund for UHC Plan G/G+ overcharge
I enrolled in UHC's Plan G here in North Carolina in January 2021; monthly premiums began at $154. In October 2025 I went to the UHC website and discovered that my Plan G — with monthly premiums now $249 — had morphed into Plan G+ and included wellness perks I'd never use.
Speaking to a UHC agent for another round of medical underwriting, I downgraded my plan from Plan G+ back to Plan G, monthly premiums decreasing by $75. The agent casually mentioned that Plan G+ had been offered for about a year.
I never received any notice from UHC that my Plan G had morphed to G+, never received the option to forego those extra wellness perks, never consented to the higher monthly premiums funding those extra perks.
The insurance coverage and benefits for my 2021 Plan G — which later morphed without my knowledge or consent into Plan G+ — are exactly the same as the insurance coverage and benefits for my 2025 Plan G. In 2021, the Plan G wellness perks were called "Wellness Extras" and now in 2026, the Plan G perks are called "Member Discounts." These two sets of perks are exactly the same — "access to an exclusive collection of discounts on hundreds of products and services."
The current Plan G+ perks are called "Wellness Extras" and include gym membership and discounts on vision, hearing, and dental services plus the 24/7 nurse line.
On February 18 I spoke with CJ at UnitedHealthcare customer service. I asked why UHC did not notify me that Plan G had morphed to Plan G+ and that a less expensive version of Plan G was available. He said that, because this downgraded version was offered only in a limited number of states, they couldn’t make a global announcement.
Really? As if UnitedHealthcare, one of about 2700 subsidiaries of UnitedHealth Group, the world's seventh largest corporation by revenue, couldn’t afford the software to sort their customers' addresses by state.
Given that my Plan G likely morphed into Plan G+ in the summer (say August) of 2023, and given the difference in monthly premiums between then and late 2025 when I reclaimed Plan G status, UHC overcharged me by more than $1000.
When I asked for a refund, CJ said many customers have been asking for the same, but “we don’t do refunds.”
Yes, I'd really like a refund. Any tips on how to get one?