Am better is the WORST. I spent 2 hours yesterday trying to resolve a problem with no success. On 9-11-18 I was seen at Mountain Medical. I paid my co-pay, all's well. On 11-21-18 I see a physical therapist at High Desert Therapy. I'm told I owe $140.00 to pay off my deductible for 2018, which I pay at that time. The next day I receive a bill from Mountain Medical for, you guessed it, $140.00. I assume, foolish, foolish me, that Am better would see my payment to the physical therapist the day before and rectify the billing/payment snafu. Eight bills later and multiple messages to Mountain Medical the problem is still not resolved and they are going to send me to collections. According to the billing person, they don't call the insurance company, they only do what the insurance company tells them to. So I call the insurance company to deal with their ridiculous automated gauntlet. Finally get a person and thus ensues the 2 hour circular argument. Turns out the insurance company doesn't talk to the doctors they just receive the bills and assume you've paid the deductible and you get billed for the rest. The deductible is between the provider and me "whether you've paid it or not." Kid you not. But I paid it, that's between you and the provider. Over and over and over........ Finally give up and call the provider. Turns out they sent in the bills and haven't been paid either. Am better says they aren't a provider. However, when I was seeing the provider they were on the provider list. Turns out providers are leaving in droves because Am better isn't paying claims and they are not updating the provider lists either. This means you could find a provider on their list, see that provider, and wind up eating the bill. NICE. Also found out that Am better has a "secret" list of providers that are opting out of the system, but you don't know that to ask if a provider is opting out. Feel the love yet? And this isn't the only problem. During 2018 they merged my husband's account with mine so they were denying claims due to "fraud" read clerical error. I've filed a complaint with the Nevada Insurance Commission but I'm not holding my breath. In spite of all the evidence Am better is still in business defrauding customers and providers. how this site gives them a 1.5 rating is beyond me. I would really like to give them a -10 rating. They are every thing a person needing health insurance doesn't need.