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.

I was recently removed from medi-cal due to “potential fraud”. Long story short, I didn’t commit fraud. I have had zero income in over a year, have something like $1500 total, and receive no other benefits.

However, I’m currently dealing with bureaucratic confusion as the trail of who is responsible has dead ended and no one seems to be clear on what happened or why.

The medi-cal coordinator at the county social services office thinks it’s best if I just reapply but while I wait for my new application to be processed I am uninsured. Of course, if it goes through then I should have coverage dating back to the 1st of April.

Yet, given that there’s no good reason for it to have been canceled in the first place I’m wary of placing all my eggs in that basket. And would prefer to have some sort of catastrophe insurance if at all possible.

Is this even possible in California? It seems like short term health insurance might be banned here? Any ideas would be welcome. The whole situation is frustrating to say the least.