They continue to lie over the phone about reasons I couldn't be covered for my annual physical. First they would tell me my medical provider (clinic) billed them wrong, but when I would ask the clinic why they billed them wrong they told me they didn't bill wrong, but when my provider contacted UMR my provider was told I went to another clinic to have a physical, which I never did. Neither was any claim listed showing I visited another clinic. I have coverage for this yet I am denied coverage. They do evasive tactics to refuse coverage and are all around dishonest.