My family had united healthcare years ago, I remember my parents having to pay out of pocket for my pdoc and t, then once every few months send in receipts and get a percentage paid back, I think we had to use out of network because in network psych drs could only be used for a certain amount of weeks. Coverage was really good on my meds, I recall only paying $10 copays. This was 10+ years ago though, sure things are different now.