Originally Posted by Kellwolf

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.