This has got to be one of the worst companies in existance. I cancelled my insurance, got an email confirmation on the cancellation, but yet they took the money from my account!! It is a major scam! NO prescription coverage. I went with out medication for a MONTH because I couldnt afford it. Hospital ERs decline to help you due to this insurance. THey make it sound too good to be true when you sign up, then when you go to use your so called "benefits" in all due reality are worse than having NO BENEFITS. a $75.00 urgent care visit (If I paid for it out of my pocket) turned into a $331.00 bill!! they charged double the visit due to this so called insurance.