My husband and I found ourselves in need of health insurance, but had pre-existing conditions. Filled out forms on internet and were unindated with offers, most too good to be true. Many were just plain fraud, but this one was the worst! The premium was really low and covered EVERYTHING. After asking several times if it was MAJOR MEDICAL and being assured it WAS, I investigated. Went to their website and read their own disclamer(not major medical and should not be a substituted for major medical) I also saw all the complaints against them. On... read full review »