So I just dropped my own insurance and decided to join my husband who works for UPS. This seems like it may have been a huge mistake because no one seems to know what is going on at his hub. I personally have always had to pay out of pocket to pay for my insurance and it sucks because they suck my checks dry. Is this the case with Teamcare and why everyone is up in arms? Has anyone had Teamcare since they have worked for UPS or changed to it over the past years while working for UPS? What is the drastic difference? Do you get to choose your coverage plan as far as percentages go? I know I got to choose how much I would have to pay upfront before my insurance covered the rest. Something like me paying 60% of the bill while my insurance takes care of the 40%. UPS HR dept could not tell me anything except that the swtich will be happening and told me to call Teamcare. I tried to call them today but they are closed due to the holidays. My husband is only hearing gossip and how crappy the insurance may be even though it looks like you will be able to go to more doctors. I see posts on Teamcare but most of the 75 pages are speculation of what may or may not be going on.