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The state of Georgia moved all employees, not choosing a HMO, to United PPO at the beginning of 2006. After a year under their payment claims, I have seen a double in the amount of out of pocket expenses and total ineptness in their payment of claims. I am currently appealing their most recent refusal to pay valid claims and many good doctors in this state refuse to take their insurance. I hold out little hope that they will pay my claims. I understand that when McGuire was forced to resign last year that investigations were proceeding at the federal and state levels. I hope they go the way of Enron and other corporate crooks. McGuire, the fired CEO, made over $1.2 billion prior to being fired and may face jail time. New York no longer allows them to operate in their state. The corporate officers have made huge contributions to Republican candidates over the past 20 years. If you have a choice, go with another company!