I took my daughter just for a wellness visit and got a bill and I explained to them that I paid a copay when I went for the visit and that she wasn't sick. And the lady said I am supposed to pay. I told her even after we paid the premium and did a copay at the hospital, for a kid as small as 2 they are charging me after paying 1500 every quarter then you tell me she is not covered that it's just the premium. It's like throwing my money away. Why pay for something when she is not covered over just a wellness visit. This company is a joke.