I have UHC but do not use Out-of-network services as we have enough In-Network doctors here. I used to work for BlueCross BlueShield and I know from working there that when an insurance company pays an oon provider it is usually no where near a reasonable amount contrary to what they consider UCR. I am sure that if you used OON providers and had to pay some portion out of your pocket that you shouldn't have you will be included in settlement would be my guess.
Hugs
April