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It is non existent. UBH will not pay for inpatient care no matter what.

People die because of UBH. We pay a high premium and when our child needed help you turned your back. We have spent thousands of our own money. Went bankrupt..........but our son is alive and healthy by the grace of god and our determination to spend the money needed to help him, Even thought we have the best insurance in the world.

UBH would not pay. We even appealed at OPM. We had several doctor statements saying he needed at least a 30 day treatment center.

You let us down. We paid our premiums in good faith and you let us down.

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Worst health insurance I have ever had. They pay for hardly anything and the option is very expensive.

Do yourself a favor and get any other insurance. This company should be stopped.

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