I work for Blue Cross and Blue Shield. Insurance carriers contract with providers each year. Providers go on and off plans. Each employer negotiates with a carrier each year as well. Thus, your benefits/providers will change each year. It is important to check with your provider, before each visit, to know if the provider is still "in network". Check with member services, the number should be on your card, to see what your level of benefits will be. Always, check with member services. I've found that providers will often not give you the entire truth. I'm working through something right now with my Provider Relations department to get my provider to comply with the requirements of their contract so that I don't get burned. I don't know how it is with other carriers, but with BCBSF, they will advocate and intervene for you.
As an aside, I had UHC a couple of years ago when I worked for another company and I absolutely loved them. I had an awesome plan though. Just remember that plans will vary according to what your particular employer selects. There are a gazillion plans out there, some tailor made for each employer to get their business.
Good luck. I would suggest that you get all of the details before proceeding. If your plan benefits state something in writing, then it is binding. Read the fine print. | 
