The most corrupt, completely fraudulant, and extremely devious group of human beings. DO NOT EVER TAKE THIS INSURANCE. No matter how convincing and sincere they may seem they are extremely conniving. Tomorrow if you have a headache and then 9 months later get diagnosed with a tumor in any part of your body they will claim that you had a pre-existing condition or that you deliberately concealed knowing about the tumor and WON’T COVER YOUR SURGERY. Even if you submit proof ( doctors letters, scans, diagnosis from three seperate doctors) they purposely act dumb as if they don’t understand what you’re saying and will nullify your insurance. BLACK LIST THIS COMPANY.