This company is so deceptive in it marketing with a hospitalization policy so deficent that I cannot understand why the regulators that be would allow them to do business. After researching them (to late for me) it has to be illegal how they keep ripping people off to this day dispite many regulatory fines and settlements . I think people like myself (self-employed) are the majority of their policy holders. I have faith that someday I will get a letter saying that I am a part of a class action suit. I would have never been ripped off by Mega had it not been for the NASE. I never would have joined NASE had it not been for the lie of the great value of there group Mega rip off policy. NO ONE could look at this policy who knew prices for medical services (which I didn't) and say it was a good value. I thought with my dues to NASE they would be looking out for its members. BOY WAS I STUPID