This is the MOST RUDE. INHUMAN, medical insurance companies ever!!!!!! They never answer the phone with the numbers on the back of the insurance card! If you get another number and finally reach a human.... they waste your time by making repeat your information to them at least twice before telling you they can't help you. You get past along to the abiss of incompetent rude unempathic people known to man. You will drop dead first before finding or getting people in THIS company to help you. Don't waste your money with them! Save your money and pay the doctor directly. I speck from experience. read more