I’ve had UHC for most of the last twelve years through my employer and, from my experience, they suck. I affectionately call them United NoCare. They recently jacked the cost of NovoLog FlexPens so that I now pay MORE THAN DOUBLE. Moreover, I learned of the increase through the Los Angeles Times website – I never received word one from UHC.
As someone else suggested on another of your discussions, probably best to compare co-pays for pharmaceuticals. I compared Choice Plus against the buy-up plan during Open Enrollment several months ago, and found zero benefit to the buy-up plan because Rx co-pay amounts were the same, leading me to conclude that “Choice” is quite the misnomer.