In my experience, United Health is unethical. They don't pay rightful claims, making up excuses just like a deadbeat borrower would make with a loan company. United Health (its subsidiary United Behavioral Health) has been sued, apparently with strong validity in at least one class action suit, for denying or delaying justified claims in order to maximize profit. They have been dropped as a behavioral health provider for on-going issues by major corporations. Refer to Forbes May 2012 and legal sites to hear more about this greedy company without a conscience. Anybody investing in this company, other to sell it short, is crazy. Companies like this one give insurers and big business a really bad name.