I am a student in Florida and have had health insurance with UnitedHealth care for the three academic years, since I started the college. During summer and winter breaks I visit my parents in Europe and have had several medical issues thus I had to see doctors, conduct tests, etc. Besides Covid test fees, the insurance has not paid anything at all. There is a system in place where you can send a complain, ask a question and most of the time you do not get a response. I conducted several thyroid visits/tests and got medication last August and so far, they have denied all. Same for the previous years. Again, no matter you submit a complain, you would not get a response. If it was not a single case, then I would not bother to write a review; however, it has been going on for the last three years. My sister is studying in Illinois and has Aetna, never had an issue. Jurgen