Collective Health User Reviews

Customer Experience

Positive experience20.9% of reviews
Neutral7.5% of reviews
Negative experience71.6% of reviews

~ Based on 67 written reviews from the US App Store.

What users say

Is Collective Health Safe?

Collective Health appears safe based on user ratings. AppsHunter Safety Score for Collective Health is 96/100.

This assessment is based on 3,614 user ratings, with an App Store average of 4.8/5.

Safety Analysis

95.6% of ratings point to a safe experience
1.1% of ratings suggest some concerns
3.4% of ratings point to a risky experience

~ Based on 3,611 App Store ratings for Collective Health.

Is Collective Health Legit?

Collective Health appears to be a legitimate app. AppsHunter Legitimacy Score for Collective Health is 83/100.

Based on 83 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

2 Factor Auth Completely broken

It constantly asks for 2 Factor Authentication even after checking remember device. When I enter the code it texts me it says it’s wrong and then won’t let me resend a code. Idk how it’s 2026 and you can’t implement a working 2FA. Not even worth using the app just go on the computer.

Frustrating app

Called 7 providers listed as in-network on this app, most of them said they don’t take my insurance anymore, one number was for a completely different doctor, and two doctors no longer worked at the places I called. So nothing was accurate and everything is out of date. My ID cards were also wrong and they said they can’t fix that. So literally everything in this app is wrong Such a frustrating app.
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So bad

Constantly buggy, gives inaccurate information about what’s spent so far. When you search the doctors it does not tell if it’s network or not. Sad swing at the Cigna.

Terrible

Took almost 2 years for them to approve a claim for which I was fully covered and had $0 patient responsibility for.

Then they sent a check to the provider and there “was an error”. The error was never followed up and 2.5 years the claim ended up in collections.

So here I am applying for mortgages with a medical claim in collections that Collective Health just never paid the provider for. Very strong legal case if it isn’t resolved and impacts my application.

Would give 0 stars if possible.
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Annoying login

I hate how it makes me put in a code from my text messages every time I log in with Face ID on my phone, let me have setting to disable this or remember my device. Then after I’ve logged in it asks me if I want to turn notifications on every single time. I don’t want to, stop asking. Stop being so annoying!!!
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Not UX friendly

Not easy to send or copy any information within the app. Policy numbers, subscriber ids, can’t email, text medical cards from within app.

Useless for finding in network providers

Do not rely on the app to find in network providers
I was told pro tip don’t use it

It’s a struggle

I’m looking for a physical therapist. It gives me the name and address for providers but it doesn’t do anything else. I have to google the address to figure out what office the provider is at. Not as helpful as I had hoped.

2FA code required too often

I shouldn’t have to do a 2FA every single time. Find a reasonable balance.

Doesn’t work when you need it

Won’t load card images when I needed it at the ER

The two factor auth is too much and half the time doesn’t work

The app is like a front end for your insurance company to see the activities. Half of the time when I try to get into the app, it will ask me for a code that was texted to me and when I put in the code correctly, it says it’s incorrect. Only generated one code. The only option is to close the app or request a new code and if you request a new code, it’ll take five minutes. You can’t even charge anything in this app so it seems like the security is overkill, especially when it doesn’t work right. Also the email notifications let you know that there’s new activity to see in the app but I wish they would share a little more information or at least allow options in the app that would let you pick how much of a little information to share by email. I wish there was also an option to set your own multi factor authentication options.
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Process claims wrong

Collective health is not just an app—it is a front end for your insurer to process your claims. They process claims incorrectly with significant regularity, and their customer support, while trying to be helpful, seems ill-equipped to deal with issues when they come up. The app is fine, but the service is not if you wan t your claims processed correctly and on-time.
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App broken

App has been broken for weeks. Fix it come on! I can’t get to my insurance

They added 2FA that can’t be disabled

I log in with Face ID from my phone and still need to input a code every single time I log in

2FA breaks

Text-based 2FA breaks regularly, making it impossible to use the app for long periods of time

Apple wallet Id Cards button gone

was preciously able to add the Insurance cards to apple wallet now the button is gone.

Broken Share button

The share button under Cards does nothing

Love the new update but wish rx was included

I love the new update and makes it easier to find things. For the additional benefits though when you click on pharmacy the app crashes. Also as an employer benefits administrator, I would love to see pharmacy medication lookups, pricing estimators, etc within the app through integration or more accurate descriptions for employees to find this information. Right now with CarelonRx, you have to go into the Anthem Sydney Health app which confuses some employees
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Messages and contact stopped working

I have tried killing the app, restarting my phone and still unable to get into messages or chat from the app.
I know I have a new message but can’t get to it and unfortunately the site is worse and only ever shows me the initial welcome message. Sooo frustrating!

Error showing for messages is a timeout message on the whole page.

Chat button/link just does nothing at all.
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Doesn’t work anymore useless if you don’t have IOS 16

Probably a short while ago there was an update which screwed everything up. Used to work fine. Now I can’t log in anymore. Without IOS 16 the app is useless. Old version still downloads but doesn’t work anymore, unable to log in. Please fix this issue.