The company collects premiums from supplemental insurance programs such as a "Hero Plan" but makes the claims process so inconvenient it’s not worth completing the process. Every attempt to resolve a claim is meeting with some request of obscure documentation that is of course time consuming to obtain. The claims representatives are about as pleasant and helpful as a DMV employee at 5 pm on a Friday. Then when you finally cancel the policy Combined Insurance continues to bill you then make you go through the process of obtaining... read full review »