tmc727@***.com - the totally worst experience i have encountered - after 3 frustrating hours and numerous calls to a philippine call center in manila.. i required demonology care ASAP -- the Dr. they provided is not in the system.etc.back and forth to Philippine call center explaining my request to a new agent. which was a repeat from the last agent - it was hopeless - i terminated the call and paid my self pocket pocket User's recommendation: UNDER NO CIRCUMSTANCES EVEN CONSIDER UHC -- THIS IS A RIPOFF AND A TERRIBLE MISTAKE.