Update by user Apr 12, 2018 I cancelled my policy. I will consult attorney for review against Ebix. Original review posted by user Apr 11, 2018 ANTHONY RENDE ... AN AGENT FOR IHC , NOW KNOW AS EBIX, SET UP INITIAL PLICY FOR 375.25 POLICY WITH RIDER POLICY FOR AN ADDITIONAL 54 $ WITH A 5000$ DEDUCTABLE . HOSIPTIAL BILL WAS 12400$. eBIX REIMBURSED FOR LESS THAN 100$ TOTAL ON ALL ASPECTS OF THE COSTS. I PAYED FOR ENTIRE PROCEEDURE UP FRONT WITH HOSPITAL AND SURGEON. EBIX REQUIRED ME TO PAY AN ADDITIONAL 5000$ TO MEET DEDUCTABLE PRIOR TO THEIR COVERAGE FOR THE REMAINING $ OF ABOUT 7000!!!!! FOR WICH THEY ONLY COVERED 80%... 5600$ IN SHORT, i WOULD HAVE HAD TO PAY OUT 17500 TO GET 5600 BACK FROM THE INSURANCE COVERAGE, INCLUDING THE MONTHLY COST OF 425$ THIS IS WORSE THAN HAVING NO INSURANCE AT ALL. TOTAL FRAUD, TOTAL RIPOFF.