Several Explanation of Benifits indicate that the submitted claim was not paid because the physician was out of network. I've been with this Primary Care Physician for several years. I checked their directory of In-Network providers and he does appear on the list. To submitt an appeal you have to print and complete a form, then send it via postal mail. In this day and age of modern information systems you would think that United Healthcare could provide this service online. I would guess that they are trying to delay as long as possible having to address the complaints. read full review »