When I signed up for this plan, it sounded too good to be true but I did not have insurance and needed something. I was assured that all of my Drs. were on the plan, they even gave me the locations of where my specific Drs. were located! I also spoke to a representative named Patricia at 800-580-8345 Ext. 340 that assured me if I was not completely satisfied with this product, she would personally make sure I received a refund. My plan became affective on 11-15-05, and on 12-14-05 I called to cancel the program since NONE of my Drs. participated in this program. They also took the money out of my account a day early since I was not happy with this plan and they wanted to make sure they received their money. I have called and called and can not get a straight answer IF you can ever speak to a real person! I even spoke to the Supervisor named Michael that was suppose to invistigate this for me and I have NEVER heard back from him either. I finally got ahold of a real person and they were to send me my 2 months worth of pemiums back to me within 10 days from 12-14-05 which would have been on Christmas Eve. I finally received a credit to my account for only 1 month back on 1-8-05 and now when I call, I cannot reach anyone or leave a message since the message line is full! I would NEVER make a mistake like this one again!!!