1)Pre-existing riders right from the start - fine, there were a few claims but not any life-long problems... 2)Premium increased $200 each year for two years - dealt with that, I figured that was maybe normal... 3)Now I have gone over 24 months with no problems, but underwriting will not remove pre-existing riders - NOT FINE! POLICY CANCELLED!!! How do they think I can keep paying for something that they are basically not really allowing me to use. I will be switching to Blue Cross Blue Shield before my next premium becomes due again! UHC won;t see another penny from ME! read full review »