After repeated calls and over three months time, the insurance company has not resolved this issue and to this date, my doctor is still listed as in-network even though any visits to him are billed as "out-of-network". It seems that United Health Care does not have an updated "in-network" physicians listing. Therefore any decisions in selecting a health care provider based on this listing may lead to unexpected charges. At this point I do not know what doctors I can use and at what cost.

By not keeping their in-network physicians list up-to-date, they are intentionally misleading individuals to signing up with their health plans.