This "religious" company is just collecting our money, sharing with their own pockets only. I have 2 MRIs, 3 doctors' visits and a whopping $0 from this company. Their typical approach is: in order to receive the $100 "share payment" for a doctor visit you need to wait for 3 months (their minimum processing time) and pay your premium each month (in my case 3 x $299 = $897), but even after that I didn't receive a penny. It's a pretty smart "religious" business scheme.