skyscraper101
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The sad things is that BCBS is the better company by far. I've had both United and BCBS. BCBS actually pays some claims. I could only get United to pay a claim when I spent a few hours of my time appealing. Every claim I had to examine the rules written into the policy and then write a letter telling them why it should be covered. I had family that had cancer and one of the things it does is drain your energy. Many elderly and people with cancer wouldn't have the stamina to contest every bill. My brother had bills in envelopes, stacked rows, that spanned the width of his couch. He used up every bit of his retirement fund fighting cancer, and when his money ran out, so did his treatment options.
My experience with them was always negative. I remember first moving to the US and having to fill in the ridiculously long form just to get cover, and mistakenly filed saying my OH was pregnant. It was immediately refused. Then upon correcting the mistake they refused to cover her birth control citing some FDA reasons so ended up paying for it myself via Canada. The appointment just to get that refusal was also co-pay.
Now I'm currently awaiting whatever the comically small amount I'm due to receive after years of wrangling on their part over the class action lawsuit which I'm part of for their price fixing. Three years and counting on that one.