I had this coverage for 3 months. Each of the 3 minor claims had problems getting paid and the providers also stated to me that the coverage was not what it had appeared to be prior to the appt. I had called to make sure provider was in network each time. Podiatrist couldn't get it billed property to get it paid, so they wrote off the bill. The urgent care visit where I was not even given a discount is what I am most upset about. My dog ran into my legs very fast and I thought I might have a break. I called US Health to confirm the Aurora urgent care I was going to was in network, they confirmed it was. I confirmed at the clinic that I was in network they confirmed it. I didn't need xrays, I only had a talk with a dr and he moved my leg around. For this 30 minute visit, I was billed $300. My monthly cost for the insurance is $500! Then I was told that this is bcause that particular doctor was not in network even though the facility was, this is not how the care is billed. As a consumer, there was no way for me to know who was providing services or that I had to check for this in addition to the facility. This is misleading and a ridiculous that US Health wouldn't cover this visit at the reduced rate. None of the coverage was what I understood it to be at any of the 3 appts/claims I had. They were misleading in what my coverage was and how I could make sure to use in network providers. User's recommendation: Would not do business with these folks. It is a scam, and coverage seems good but I was let down at each of the 3 claims I had with no coverage from US Health.