After 3 years with Spectramed, I terminated my membership on 311209. I have subsequently received 2 demand letters from docs who've not been paid for visits during Dec while my membership was still active. 3 months later, numerous calls later, no less than 4 ref nos. for calls where I was promised action (1 being a Team Leader) & I'm still waiting for payment of my claims. Trying to speak to somone in charge is worse than trying to locate a terrorist in hiding. My docs have been very understanding with regards to the outstanding payments but I fear my patience and credibility are now being sorely tested. While typing this I have now been cut-off by the agent who was unwilling to put me through to any level of management. So much for all the advertising & claiming to be better, faster and more efficient than all the rest! I am yet to have my query actioned & since they are listed as a co. who doesn't respond to these listings, my sole purpose is to warn anyone considering membership with them - the friendly voice on the other side of the phone only lasts while things run smoothly - when you truly need assistance, their true colours SHINE and it is by far a dark, doomy glare!!