this company is a complete scam. the first month premium isnt refundable and they tell you they payy 100 percent of a surgery. THEY ARE LIARS. I was fooled by the smooth talking phone salesman to buy this plan that was better then a major medical. I know that I dont qualify for a major medical beceause of my pre existing conditions but he told me that this was bette. Dont get me wrong I now have a legimate policy with health option one but he still was not up front with me. they pay a grand total of 795 for an open heart surgery and they are... read full review »