the policy clearly states that any changes to plans need to be made 7-14days prior to the day your billing period changes for me thats the 10th of every month. i put my application in on the 6th of november that is 4days before my plan renews in the mean time they had already deducted my monthly fees on the 3th of november days before the plan is renewed. however instead of my change of plan starting the next month ie december since my application was NOT within the 7 to 14 day margin they changed their minds and decided to do it thi... read full review »