I am hopefully starting a new job soon, and their health and vision insurance is UHC. We can also choose a regional plan (UPMC for anyone in the western PA area) through my wife's job.

All my previous employers have been local, so we've always had UPMC coverage. This is my first time dealing with a national insurance company.

Likely my new plan will be be less expensive and have lower deductibles than my wife's.

Pittsburgh is split between UPMC (a hospital system that grew an insurance arm) and AHN (an insurance provider who grew a hospital system). Ironically, UHC may offer me more options since they seem to have most of the UPMC and AHN providers in their network.

I've checked all my doctors and the major hospitals, and they are all listed as in-network. I'm already getting my maintenance medications through CostPlus, so I'm not that worried about prescriptions.

My wife and I are in our 40s and relatively healthy, but I know we are reaching the point where (statistically, and looking at friends the same age) we're likely to have some big health events in the next five years.

Outside the very obvious news story that comes to mind when thinking about UHC, what are your experiences with them? Things to watch out for? Things you wish you knew going in?

Edit: thanks everyone for your input. This largely confirms my expectations, but I appreciate people taking the time to share.

Hello. I usually talk about trains, except today, I just want to vent on my finances and my wishes for a less expensive world.

I have found myself in financial straits,as I had amassed debt last year, lost work for months and amassed more debt. It’s in the low tens of thousands. of course I also lost my healthcare because I live in a rich country run by morally destitute anti-intellectuals.

On paper, I will pay off the debt in 18-24 months, if god allows. I have work now.

This city’s transit system has been hobbled in bad faith and will be destroyed come January….Fares have already risen, service cut. My train to work will be cut because the state refuses to provide services for its most productive citizens. It is twice as long by bus, suicide by bicycle on roads built for tanks, so I will have to sacrifice time or life.

It seems the price of electricity has increased. I would generate my own, but it is impractical.

Sadly my possessions are breaking too. This is the way of things, it’s just miserable timing, and each discovery of a failing mechanism or dilapidated object piles onto the defeat. The window frame has rotted and the glass fallen -- the house is frozen. Not a single plant survives. (The landlord will fix it, but not hurriedly…..) Bulbs burnt out, rooms dark. My bicycle needs new brakes, a new chain, my helmet has been destroyed and should be replaced, but for now I have been riding without. The computer has broken after 14 years, admittedly about time…. An expensive thing to replace, so now I only have my phone, whose battery has degraded quite a lot and will not be usable for too much longer, and a small laptop on death’s door too. I had worn my single pair of walking shoes for 5 years until, yesterday, the sole fell off. (Thankfully, I have one more, but it is formal and uncomfortable) A new pair is more costly than I remember… I know a cheap one will disintegrate in a season and do nothing for the snow, and a quality one is beyond financial prudence. My jacket is worn and torn by years and embers, beyond my ability to sew, and I must darn and darn and darn all the socks and gloves with holes, which I hate to do, and i am not good at. The denim jeans are ripped, in a place difficult to patch, and the pockets torn. I cannot bear the cold the same anymore, so I also need an overcoat, which I cannot afford. The fitted sheets are inexplicably torn by some punitive act of god, probably irreparably. The pillows are compressed, worthless, and causing me pain. Even the tent, which I might use to regain some sanity in the woods, has had its elastic poles dried solid and is basically unusable. At least I have a few books.

My lifestyle is structurally cheap. Affordable city, relatively low rent, multiple housemates, no car, only occasional commute, no dog, no wife, no children. Not too much to pay for. I eat simply. I am content with it.

Yet somehow I find myself with hundreds of dollars of credit card purchases this month, more than an entire paycheck, and last was also more. Qualifying for a healthcare plan has reduced my medical costs, but the difference is withheld, and I’m realizing that often it costs more than it would cost out of pocket, so at best it makes no difference. The dental and vision are exorbitant, so I just hope I don’t get a cavity.

I suspect I need glasses, or will soon. I can tell my eyesight is beginning to worsen. But it’ll have to wait a couple years.

The fear of a worse medical emergency persists. The deductible is rather high for a plan that offers no HSA and the co-pay is unremarkable, the coverage limited. Perhaps the least useful healthcare plan I’ve ever had.

I do not gamble. I like to drink beer but have abstained recently. My hobbies are inspecting train and street infrastructure, studying the Holy Bible, moralizing on the internet and persuading the government to institute a better society. I lapse sometimes and make impulsive purchases, but not frequently. I have not even gone to see a game in two years.

It’s a great pain to review your statements and recognize that almost none of the purchases were wasteful, only a few technically unnecessary. There were just too many overall.

What upsets me most is the social distance I have gained from my condition of functional poverty. the agony of refusing visits, trips, games, concerts, shows, dinners, coffees, drinks grinds on me daily. Yes it is still nice to say hello, it is just not the same. The pity, or disgust, the symbolic offers of charity received. Mostly the confusion—the awkwardness, the unsolicited advice (which I don’t normally mind, but it gets old). I prefer to socialize with bourgeois progressives, academics and professionals who care about engineering and mathematics and government policy and theory. It’s what I care about. I do not really resent them, but everything they do costs more money than I possess, so it is difficult to see friends and I cannot hope to keep up with colleagues after work.

I don’t object to work but I resent the fact that I must pay for my own healthcare. I also resent that my government neglects my transportation and my safety. I resent the pollution of the air, the NIMBYism driving up rents and leaving the addicted even more hopeless. I acknowledge the mistakes I’ve made that have led me here. I can’t undo the past, but Congress could socialize all medicine in the next budget if it wanted to…. repeatedly chooses not to.

That’s all. I just wanted to complain. You can give me advice if you want. I’m relatively financially literate, just poor and human.

I know if I posted that on Reddit, all the top answers would be something like "Money"or "It lets me survive" but I'm looking for something deeper than that.

I'm a teacher and school just started where I lived and I realize how much freedom the job gives me. I can considerably modify how my day will go as long as the students learn the curriculum. I love that freedom.

I also love the human nature of it. I get to know and see 100 kids develop every year, plus, I teach juniors and I've had a lot of my last year students stop by me to say hello and talk about their summer or their current teachers. It's fun having all these random positive conversations every day.

I get to learn a lot about people and about me. I love that growth.

What about you?

Refresher about me and my work: I work in higher ed as essentially a social worker for our on-campus students. Many of the students I support are trans, non-binary, and queer. They often come to me or are directed to me because I'm visibly queer, and use she/they pronouns. A recent survey* listed about 30% of our campus populations as queer (ace-inclusive, not mentioning gender identity), the same survey demonstrated nearly double the risk of suicide, mental health crisis, etc among our trans and gender non-conforming students. This survey was from before the 2024 election.

My point with this post is asking y'all for any suggestions in supporting my trans youth in particular and queer youth in general during this time of increasing demonization and as the feds have started to pressure schools to remove protections for trans women specifically.**

What things would you have wanted to hear from adults around you? What things helped you continue to feel safe with trusted adults? When the conversations keep getting tougher - talking about staying in or returning to the closet for safety or surviving that necessity when at home, or whatever fresh political hell hits next? When your roommate's mom compares her daughter living with you to sexual violence?

I have a lot of experience with tough questions, and dealt some of these. I've talked about how you have to take care of yourself and water your plants or you have dead plants and fascism. But my experiences coming out in grad school and figuring out my demi-gender-ness much later aren't the same as these kids' life experiences. And I always want to make sure I'm doing better. What helped you? What would you have wanted to hear? What message would you want to pass to them?

Feel free to DM if preferred for safety or privacy

*I can't say how representative this was but between 4 and 5 percent of the population took the survey so unless that was particularly skewed in some way that should be a decent sample.
** There's a chance my speech will be restricted as an employee, we'll see, but that's an area I can fight more effectively.

I recently had an idea I wish I'd thought of a few years ago, but if you have severe difficulty* changing bed sheets, you can actually break the job up over a few days. This is what I've started doing, divided up to have roughly equal energy demands:

Day 1: Change duvet cover
Day 2: Change pillow cases and bed sheet
Day 3: Rest, if needed
Day 4: Wash removed bedding in washing machine

• if you have orthostatic intolerance, ME/CFS or long covid you might relate to this. It also helps mentally breaking down the tasks like this during periods of intense brain fog.