They are selling an inferior excuse for health insurance, claiming that "up to 70% of your co-insurance will be covered". That's probably true in 1 case out of a thousand. In the other cases, you're lucky to get 20% of co-insurance. They sell you that there are really no out of pocket expenses on a hospital stay but what does that really mean to us? Well, on a hospital stay that normally costs $30, 000, we would be liable for $15, 000 or so according to what I've seen. That certainly is not "no out of pocket". BEWARE! Get real health insurance elsewhere. read full review »