I had a detailed conversion with Rick Anderson with Benefits USA on 11/03/08 where I told him I needed insurance to cover mental health for my son. He told me it would be covered at 70%. I had him check the list of providers to make sure this psychologist was on the plan and was told she was. I also asked about prescriptions drugs and was told I would not have to pay more than $40 for any drug. I had to wait until Dec. 1 for coverage to start. I then found out that mental health is not covered at all and was told just because a doctor was on... read full review »