Heyas Amish,

With one exception (a near disastrous experiment with a HMO plan back in the day), I've been on the DPMP, "Option N", and the NWA Contract Plan before that.

I've always been very happy, with zero surprises, and minimal paperwork, number crunching or money juggling. It always seemed too important to jack around with. I make an appointment with the DR, I go, they pay. Same with the meds.

I vastly preferred BCBS as the administrator, but I haven't run into too many problems with UHC, and, in fact, they approved some items pretty quickly when I had my doubts. I haven't had any in-network/out of network issues (with the one exception of Physical Therapy providers).

I had one medium-ish surgery, one medium-ish out-patient procedure, and a pooper-snoop, and everything was covered with no hassles, including multiple MRI's, CT's, X-rays, and all the happy fun time that goes with that. My experience echoes yours to a T. In all cases I picked the Doc, Surgeon or specialist directly with zero hassle. I see absolutely no reason to change.

Disclaimer: Not married, no kids, no recurring medical issues or long-term prescription needs. Obviously not many fall into this category, so YMMV, DYODD.

Nu