This is a very dishonest company. This IS NOT insurance and does not cover anything that they say it covers. I want to save anyone considering this terrible insurance from the pain i am going through. DO NOT use them. Before i signed up i gave the agent a list of all my doctors (which i have been going to for 30 years) and was told that they were all covered under this plan. Come to find out that none of them are covered. Now that the "enrollment" period is closed i am unable to get into the plan that is used by my doctors. I cant believe this dishonest company is still in business.