I switched jobs once because my company switched to Aetna. You think United is bad? Let me tell you, at least they covered my three $108k infusions for my new autoimmune meds. Aetna didn't cover shit. And the meds I used to take would have cost me $460 a month for what was previously $60. And, they didn't even cover the required regular bloodwork.

Sure, I hit my $5k OOP max with United last year. But they covered about half a million with no pushback. And the hospital let me split up the $2300 I owed for the infusions over 3 months. So, it wasn't even that bad. That was a one time thing, as that was just the starter dose.

Not saying insurance isn't a racket. Just that United hasn't been an adversarial boogie man in my experience. Priority Health fought me on every refill. Man, I miss HAP's 0 deductible Cadillac plan.. I once had emergency surgery and spent a week in the hospital for free. Those were the days.