@hikerguy62 Welcome to the world of playing roulette with health insurance. I am assuming from the plans you mentioned that you are a Federal retiree. Let me assure you that BCBS has been worth every penny to my husband and me. Once paired with Medicare Parts A & B, there are no copays except for medications and plenty of perks. I have had exactly one denial in over 5 years (dealing with a pretty long list of medical issues for both of us. )
I don't know where you are located, but United Health Care, and their partners don't have a very good reputation among my senior friends in Minnesota and Texas.

My daughter had no choice but United with one of her employers, and she found appeals by the daocs were successful more often than not, so it certainly is worth a try.
Sue