I PURCHASED THIS INSURANCE IN JAN 2011. I WENT TO MY DOCTOR FOR THE FIRST TIME WITH THIS INSURANCE ON FEB. 28, 2011. YESTERDAY I RECIEVED A BILL FOR MY DOCTORS OFFICE THAT I OWE $918. WHEN I CALLED THEM THEY SAID I NEEDED A CERTIFICATE OF CREDITABLE COVERAGE IN ORDER FOR THEM TO PAY. NO ONE MENTIONED THAT I NEEDED THIS CERTIFICATE WHEN I GOT THE INSURANCE. I FEEL THIS COMPANY IS A SCAM AND I AM VERY WORRIED THEY WILL NOT PAY FOR MY DOCTOR VISIT. read full review »