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 was ill with a chest cold that turned into bronchitis in July 2010. I went to a reputable UC center in my area and paid my $50. I keep getting bills from that Urgent Care for $141.00 still as of today's date. HCCMIS also wouldn't pay for a baseline mammogram as they claim to in their agreement brochure. That ended up costing me another $150. I have argued with them 'till I am blue in the face. I have now taken my complaints to the California Insurance Board and other government boards in hopes of a resolution. HCCMIS have the most stupid, inept and rude (snarky) people to deal with any time I call or email. I disputed my monthly payment to them in October and the will not even answer my letters or my bank in any manner. Save yourself time & money and get a better short term plan. I would dare say ANY OTHER COMPANY would be a better place to be then with HCCMIS.