this company solicited me at my office through constant faxes. in need of insurance i signed up only to wait two months before recieving any info or card . the packet arrived lacking a doctors list. after four phone calls and a collective wait time of one hour i was faxed a list of doctors and not one office had ever heard of this company. to my surprise i go online to see fraud reports all over the place for this company. so i have started a fraud case and informed the police to this operation and i am waiting for my five hundred dollars back.