For anyone even thinking of Emblem consider this. They have denied a doctors request for an MRA for my 43% blockage and will only approve it when it gets to 70% blockage. Then I needed a dentist so they "researched the Latest listings" and came up with 3 dentists who nearly dropped the phone when I said I had Emblem . Then I complained about them giving me such a lousy choice and they actually got a conference call going and a Supervisor for their partner in crime Denta Quest said she would get to the bottom of this and did more research and came up with, get this, sending me to the kids practicing on humans at Stonybrook and yet Another dentist who won't take Emblem or Denta Quest . They searched over 100 miles on long island and came up with nothing but lots and lots of emails, phone calls, and not a single oral surgeon in all of Suffolk County. I am not saying the other companies are any better but this is my experience with Emblem.