I've had United for many years now... no complaints. I know one thing, the wife is not bitching all night long trying to figure out the entire screwed up billing of some service we had somewhere. Previous insurance providers have always jacked up the billing I believe on purpose to get extra $'s. United has paid for my services properly. Unknown from me if Kaiser billing is accurate or not?

Kaiser, people love em, people hate em. I believe in the medical professionals, I know some of them, they do good work. It's the system that some dislike. One location, One stop shopping. Great, but if it takes me 8 hours of vacation time away from work in one sitting, that doesn't help me much. United, I go see who I think is best, spend a hour or two away, plan for the next visit or specialist if required. If I also look at it this way, not all of the Kaiser locations can actually handle everything at that time. Not all of them have an MRI available or a specialist. They will have to refer you out to another location or Doctor anyways. (Kaiser or other)

A family member works for Kaiser on the business side of things. The place has issues, but I'd also assume United or any other provider does too, we just don't see it unless you're involved with it.

Just have to make the best guess on what care you need for the cost $. If it doesn't work out for you, change when the time comes up. I'm not happy at the moment because of our United Plan doesn't cover the medications until we've met the out of pocket. This hasn't happened yet, and my most recent medications purchase was $1700 for 90 days. F*CK. o'well. might have to make a change on something next time around. Decide where I want to pay, monthly, up front, in the back.. still going to pay, just figure out where it feels less painful. lol