I have been paying a monthly insurance premium of $163.00 just for my personal insurance and this so called insurance provider pays out very little.I scheduled gallbladder surgery only to learn that this *** World Insurance will only cover 30% of my hospital bill. This is one reason the health care needs to be overhauled (maybe not quite like O'bama wants)with the government stepping in to look at some of these crooked companies and stop their wrongful ways. Course I had Blue Cross and like something *** I changed for a cheaper premium so I got what I paid for NOTHING!!