STAY AWAY .Worst, most dangerous insurance i ever had. The doctors are right now telling me to go to the emergency room cause the insurance wont cover me with out a referral from a specific doctor. (Even tho i have 2 referals from doctors that this doctor is fine with) im bleeding from a open wound right now (2 inch opening stuffed with cotton) I have insurance and im not covered over a referral. For all you guys who need coverage. Stick with BCBS united healthcare is fake insurance at its finest.