Do NOT trust this company. My policy expired and they continued to charge my credit card every month for "ancillary services". When I called to get a refund on a product I didn't use or realize I was being charged they denied my request, even for a partial refund. Here is the problem, the slimy insurance men who sign you up for these plans and tell you to initial here and there..absolutely purposely do not mention that they will continue to charge your credit card each month until you call and cancel policy. EVENTHOUGH your insurance card has an expiration date printed on it. I HATE THEIVES. AND ADROIT HEALTH IS CRAP.