They lie about what they are selling ...they told me pre existing conditions are ok...regular office visits well checks are covered 80/20 and my 5000 deductible would be for hospital and major events only....I went for my well check and I found out that insurance is not covering anything...no labs no well check... I called my sales agent Dante but "manager" would not even put him on the phone...and after all the questions I had for her she told me I am nasty and refused to cancel my insurance ...WOW...now I have to go through my bank to stop payments from them...