My previous employer used United Healthcare for our medical benefits. To say the least, I was not happy with them. I had had some lab work sent to a provider that seemed to be out of network. Even though it was out of network, they still told me two times that they would take care of it. However, for the third time I again received a collection notice for these fees. Still to this day I am battling with them to pay this, and I have not had their service for three months. This medical insurance does not stand by their word.