I'll be trying to avoid @UHC for the rest of my life, or until we get single payer. Here's a brief description of a terrible experience that really isn't that bad in the grand scheme of things. I was on UHC, had no problems, then got a new job and extended it for one month with COBRA. Hurt my knee (I was on crutches for two months) and paid out of pocket to cover an MRI, bc doc's office didn't have my new card, couldn't run it. I paid knowing I was in-network.