I applied to SCBN on the internet and was denied because I had insurance. The next day, Jim Moran of SCBN called me and after finding out that I had minimal prescription coverage (but some! which is supposed to disqualify me) he convinced me to give him my credit card information and join. The next day I received a long email which informed me that I would have to go to my doctor's office to pick up my medicines. Since my doctors are a three hour round trip away, I called to cancel. I found out that my credit card had already been... read full review »