If I may, call UHC. They are very easy to talk to and will answer all the questions you have. Don't leave your health insurance to an anonymous web-board just because we all like it.

The only caveat I know of is if you're planning some sort of expensive medical procedure/a chronic illness and/or going to have a little 'gonyon' then the B plan might be for you. Again speak with customer service.

The only thing I wouldn't do is send an email asking questions to that blackhole commonly referred to as "Miramar". Nothing sent there ever seems to return.

Of course you could always try "Johnno"....