I applied to ODS health insurance and the only reply that they ever sent back to me was that my application was under review. Almost TWO months passed before an email told me that my application had been approved. But they never sent me anything. No ID membership card, no info packet, no nothing. After awhile I called in to ask them what was going on. They told me they sent the packet. After I explained to them that no packet was received they told me they would send another one. A couple more months passed and guess what? NO PACKET! At thi... read full review »