I wish I could give these guys negative stars. They are the WORST health insurance company I have ever had.  Same as the previous reviewer noted, they never give a straight answer, they talk around in circles to confuse you, give you different answers every time you call and never let you speak to a supervisor.  \n\nYou will NEVER know how much it will cost you out of pocket to see a doctor with these guys.  Unfortunately, I'm stuck with them because they're the only plan my employer offers, but have more than once seriously considered firing them and just buying my own plan elsewhere.