In Alaska’s Chugach wilderness, a grizzly charged from the spruce. Its claws shredded my arm as I dove for a boulder, heart pounding. Bleeding, I staggered to my truck and reached Anchorage’s ER. Doctors stitched me up, prescribing meds and PT. United Healthcare covered it all—hospital, surgery, follow-ups—without a hitch. No copays, no denials. As I healed by my cabin’s fire, scars fading, I marveled at surviving the bear’s fury. United Healthcare’s full coverage lifted the financial burden, letting me focus on recovery in Alaska’s unforgiving wild.