Kaiser directly owns the provider arm. In my experience they operate totally differently from UHC. Many of their plans require you to use their provider, so you

Kaiser directly owns the provider arm. In my experience they operate totally differently from UHC. Many of their plans require you to use their provider, so you're basically prepaying for medical care from them. UHC is notionally a PPO, but because Optum is owned by the same parent company and Optum is buying up all the providers, they're slowly becoming an HMO by monopoly. They play off of each other in any dispute. I've had better experiences with Kaiser and had a family member who worked for them for a couple of decades.