Total scam + rip off. Do not use this company. I purchased a six month plan for my husband and I while we were in between major medical insurance coverage. It was $178 per month - auto debit only. I used Eheathinsurance to obtain our policy. In the HCCMIS plan brochure, they encourage you to go to an urgent care center if you are ill and not the hospital. It is only a $50 co-pay if you use an UC facility. Or so it states. They will charge you an additional $300 on top of your ER visit if you are not admitted and use the ER instead. Nice. I wa... read full review »