united health care should be investigated by medicare authorities. waited on hold 39 minutes till i finally hung up and 24 minutes only to be told they denied dental coverage that stated i have a $1000 per year to use. they would only allow $60 for a periodical exam and cleaning. Aetna. paid the full amount of $152. I have to keep them till this next fall. get all agents promises in writing. or be sorry like me for switching, don't get duped. User's recommendation: go with aetna ins for now. they are certainly not perfect, but they did not lie.