This begins my second and last year with SAMBA Health Insurance Plan. They have a practice of frequently denying legitimate claims. (I was too busy and let the open season come and go without changing plans. Now I am literally paying once again for my failure to change insurances.) Here is but one example: My daughter. age 21, is covered by my insurance. She saw an active PPO provider with SAMBA for a couple of dozens chiropractic sessions. SAMBA has a separate $300 deductible for such and then covers 12 treatments in a calendar year. SAMBA... read full review »