I bought thia miltiplane NCE insurance about a year ago. I was told I had full coverage insurance if I was in the ER and then put in the hospital. I paid on this insurance for all this time. when I had to go to the ER a few months ago I thought I was covered. well, findout all I was covered for was 300 dollars a day. I was suppost to have full coverage. don't trust these people. and this insurance is q ripp off.. don't get it..