This is an awful insurance company. They lure you into signing with them, they are very kind at getting your credit card number and making you a costumer, but when they call you to collect a remaining balance larger than what the insurance company is able to pay and you contact them hoping that they have an answer, it was a mistake on their part or something of the sort- they leave you hanging and say you should have read everything carefully and called if you had questions. In an insurance company as limited as this one, they should make the effort to reach out to their costumers and one on one inform them of their benefits as well as of their responsibilities as a patient so that when you receive a call from a collection company about lab work that was done to you requested by your doctor who is well aware of your insurance policy, you don't feel like you have been scammed; or better yet you never receive a collectors call because you are well informed of your plan. What is the point of paying for insurance month to month to be left with a bill that is higher than what your insurance will cover? If you didn't have insurance, the doctor and the lab would be very cautious as to express to you the total in numbers of the work you are getting done, prior to getting it done- or simply would avoid performing such work because you don't have the right insurance or money. It's an absolute scam from all parts of the healthcare system and it really is unfortunate that the only liable person is the patient who was played by all parts. Health Plan of Nevada is a scam along with physicians and laboratories who play the game.