I was enrolled in this program last December after receiving a unsolicited phone call. The program appealed to me as I didn't have health insurance . I don't mind paying for services as I go but figured if something serious happened at least I would have the same discount as patients enrolled in ppo networks. As soon as the check cleared, I had read reviews/complaints of CHBA from numerous people who had also enrolled. I immediately called the salesperson and he assured me that the complaints were unjustified and he sounded really... read full review »