As soon as open enrollment starts I will be finding anyone else to carry my insurance. I was concerned about changing policies so I contacted the agency in advance, and then called again when the payment had still not posted to my account, but they assured me that they would take care of it. It wasn't until I got to my Dr's appointment after my policy was supposed to be in place that I found out that they never set it up. I ended up having to reschedule my Dr's appointment becuase they wouldn't see me without insurance. I went straight to the agency to get it taken care of, but never got an apology, all they would say is that it was the Dr's fault because they could have seen me and then filed the claim after the agency finally got the policy set up. Then they set up my BCBS online account with a fake email so that I couldn't even reset the password to get logged in, and I had call two more times to get them to send us insurance cards. So no, I would not reccommend. read more