| Okay, my 2 cents.
I work for UHC and it isn't any better for employees.
I go through Animas for my Durable Medical Goods and pay close to 800 per shipment (5 reservoirs and 5 cannulas) until I hit my deductible. You have to make sure that the supplier is IN-NETWORK to get the most bang for your buck. They will cover OUT-OF-NETWORK but it has a higher copay with a higher out of pocket deductible.
UHC has a contract with MedCo for other medical supplies, insulin, test strips, swabs, etc and they are broken down into 3 tiers. Humulog is a tier 3 drug while Novolog is a tier 1 drug, this novolog is cheaper. All drugs are broken down into tiers. I'm not sure who establishes these tiers, MedCo or UHC (Carrier). That is why many of us had switched from Humulog to Novolog last year. Money talks and it's all about cutting costs.
Once you meet your deductible they are pretty good about covering your costs. Luckily, for me (in a twisted way), I had a incisional hernia just below my rib cage followed by dog bite that hospitalized me for 4 days with staph and strep bacteria. Bottom line, i met my deductible and am on a free ride to the end of the year.  | 
