They do not want to pay for father's doctor's visits, they request the A CERTIFICATE OF CREDITABLE COVERAGE IN ORDER FOR THEM TO PAY. NO ONE MENTIONED THAT I NEEDED THIS CERTIFICATE WHEN I GOT THE INSURANCE, for my father, the name of the saleperson was Kathe. I FEEL THIS COMPANY IS A SCAM AND I AM VERY WORRIED THEY WILL NOT PAY FOR MY father's DOCTORS VISIT .No Body advise me at the moment when I was buying .