I have a Policy with American Financial and went to the Hospital for surgery on my hand. I had a $5,000 deductible and final bill was 32,572. I paid my deductible and the rest was covered as expected. NCE is simply added additional benefits and is legit.. I switched from Blue Cross who charged my family $1,250, they are the real scammers.. There should be more affordable Health care out there line NCE.. Hopefully Trump allows these more affordable polices to cross state lines and puts an end to ObamaCare. If you are thinking of NCE Products, trust them it works!