I have been finding a number of providers that are in-network (UHC) but the surgery centers are out of network and I was told that I have to use in-network. Has anyone else encountered this problem? I'm not seeing how much use the benefit is when the most expensive part is out of network.

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Yes! It's a major issue and Ameriben is no help in locating in network centers. We literally had to call around and get the ID number for the surg centers to check back with insurance for network status.

I recommend trying hospitals that have their own ARTs facilities or if you're in Dallas I can share what we found as of last Fall.

Good to know you had some success. We are in LA and called a few with no luck so far.

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