Originally Posted by
Climbto450
I have been fighting with the insurance. I am on the green plan, over 12k out of pocket so far this year. Two of the doctors dont take insurance but they submit it on the back end of service then United decides what they will reimburst (which isnt close to what the doctor charged) and then say o well on the difference and dont count that towards out of pocket either. The numbers right now have us at 13,800 out of pocket before 100% coverage and Blue benefits confirmed that number. I like you had no idea going into this year how bad this insurance is and I have a healthy family. Yes that 13800 is before seed money, HSA or FSA funds. Almost all in network by the way besides the 2 Dr's mentioned above. Thank god my significant other works.
Sounds like the problem isn't with the plan but with the doctors you chose and UHC. Any insurance would do the same thing if you go to doctors that don't accept that insurance plan. The insurance plans we have aren't good, but that's not the source of your problem. If you were at Delta and under UHC making the same choices, the results would be similar.
I had my fill of UHC at my last employer and went with BCBS ( after checking that all the doctors my family were currently seeing were covered). Checked today, and their numbers are spot on with no issues. Like I said, we've hit the individual deductible and the max co-insurance, and with seed money and FSA are no where NEAR what you're looking at.