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Regular Member

Date Joined Mar 2006
Total Posts : 494
   Posted 12/2/2009 12:50 PM (GMT -6)   
Hi guys!  I've been unemployed now for 6 months and have an interview with a huge company but the problem is I'm on Kaiser now and love it!  I pay for cobra with the help of the gov't but the gov't assistance ends in 2 more months, and right now it is quite affordable.  The job I'm going for offers United Health Care health insurance and they don't have any HMOs? It's really odd becuase it's a worldwide company....does anyone have this insurance? Having Crohns I'm not sure its an option, it's extremely expensive from what I have been given to read.....anyone have any input then can offer regarding these sort of plans? Thank you!
Diagnosed Crohns 1/06
CD of Terminal Ileum
Taking Pentasa. Adverse reactions to Remicade. B12 Injections.  Tried Humira, had adverse reactions as well.  Trying to figure out what's next!

Elite Member

Date Joined Apr 2005
Total Posts : 14995
   Posted 12/2/2009 4:17 PM (GMT -6)   
I have Kaiser and I would be bummed to lose them. I have been with them since 1982 and I agree the cost savings with this HMO is so worth it. I am not really impressed with UHC myself, co workers have it and it seems to me at least they have to get more approvals and pay more for their care. JMHO
Gail*Nanners* Co-Moderator for Crohns Disease and Anxiety/Panic Forum
Crohn's Disease for over 33 years. Currently on Asacol, Prilosec, Estrace, Prinivil, Diltiazem, Percoset prn for pain, Zofran, Phenergan, Probiotics, Calcium  w/Vit D, and Xanax as needed. Resections in 2002 and 2005. Also diagnosed with Fibromyalgia, Osteoarthritis, and Anxiety. Currently my Crohns is in remission, but my joints are going crazy!
It's scary when you start making the same noises As your coffee maker.
*Every tomorrow has two handles.  We can take hold of it by the handle of anxiety, or by the handle of faith"*

Regular Member

Date Joined Jan 2009
Total Posts : 29
   Posted 12/2/2009 5:58 PM (GMT -6)   
Hi Jennifer,

I currently have UHC and am very happy with them. It's true that it's a little bit expensive, but all of the major stuff I've had/been on has been covered (colonoscopies, Humira, mtx, etc.). My employer offers a choice of UHC or Kaiser, and I decided that I didn't like the idea of only being able to use Kaiser doctors (though I've heard that their specialists can be very good - I have a friend with CF who's been going to Kaiser in the SF Bay Area his whole life).

I'd recommend that you call UHC or speak to someone in the HR department at that company, and ask them specifically about what you would need to have covered. They should be able to tell you exactly how much out of pocket you should expect to pay, minimums, maximums for coverage, etc.

Good luck!
Diagnosed with Crohn’s Disease in Jan 2007, though sick since mid 90’s. Currently on Humira and Protonix. Have had success with Entocort and Cipro; negative experience with Methotrexate.

Equestrian Mom
Veteran Member

Date Joined Mar 2008
Total Posts : 3107
   Posted 12/2/2009 10:29 PM (GMT -6)   
The expense depends on your employer's plans...UHC has many different options and your employers chooses the one(s) they offer to employees, so it can vary from one subscriber to another. The employer also determines what percentage you contribute on a monthly basis, so that would vary costs, too, from one person to another.

I have UHC and have never been denied a procedure I've needed:) and use one of USA Today's Top 5 Hospitals...for me, being able to use a great facility is more of a concern when I have to pick the 'new' plan each year (doc's can vary from one plan to another even with the same employer).

Regular Member

Date Joined Nov 2009
Total Posts : 380
   Posted 12/2/2009 11:54 PM (GMT -6)   
Currently i have UHC and admittily it is a cadilac plan i have. just $100 co pay for hospital visit. no other costs. I do pay more per month for it. This is a company run plan that UHC administers. Next year i am lossing this plan and wil lhave Aetna plan which is very similar except i have out of pocket expenses for hospitalization (with a cap). so it is not just the company,it is the plan and it is who actually "owns" the policy: your company or UHC.

Veteran Member

Date Joined Sep 2006
Total Posts : 845
   Posted 12/3/2009 3:16 AM (GMT -6)   
I had United Healthcare for many years and they were a great insurance company until they started having some financial problems. Then all of the claims started being second guessed and had to be reapproved. They gave me problems when I was hospitalized with a bowel blockage. I was hospitalized for 3 nights because the doctors knew that I was possibly going to need surgery. Luckily we were able to pass it through other means but it was very painful and I developed a staph infection during the whole process thus need IV antibiotics. If I had not been hospitalized and provided the care that I had my doctors feel that I would have perforated. I was in the process of changing to my wife's insurance do to the fact that I was going on Long term insurance. I was double covered at the time and United fought the hospital for a year and half before they finally paid it. During the process my other insurance saw the bill and just paid it even though they were not responsible. The hospital reimbursed them and fought United. I have since gone to Intermountain Select Med and love it. I would recommend it to anyone.

Veteran Member

Date Joined Apr 2006
Total Posts : 686
   Posted 12/3/2009 11:02 AM (GMT -6)   
I've had UHC for years and have never had a problem with anything being denied. The plan is expensive, but it's a national plan and they always are.

Symptoms of Crohns, Lupus and Hereditary Angioedema but not the diagnosis

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