Experiences with united healthcare

first-must-burn
2025-11-09T18:54:26Z

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.

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