My contact told more lies than I could count. Told me I would have a low deductible and paid 400.00 on an. 8000.00 ER visit. Totally worthless company that is based on lies and deceptions! PLEASE, stay away! Don't wind up in the spot I'm now in. They are as close to criminals as I've ever dealt with. Just look at their BBB rating! It is an F. BEWARE!!! User's recommendation: Don't even waste your time. This is a rip off!I got a good deal in the market place. 80/20 coverage with a 2000 dollar deductible for under 900 a month and I'm 63 with no health issues. It was the best I could find with gap coverage added!