I DO NOT recommend this business for your insurance needs. Weather it is for a BUSINESS or INDIVIDUAL. The staff (Dave and Michael) will lead you to believe that they are selling you one thing, forget to tell you all the details. Then when you get your coverage, find out that it is not what you signed up for. Oh when you call them and question they will basically insult your intelligence and say they informed you of something when they did not. With a room full of co workers in on the insurance meeting, we all heard the same thing. That our insurance was going to have a premium increase of 2%, no change in the out of pocket deductible amount. So when i received my 2012 insurance ID card to my surprise it had a $500.00 yearly increase to my deductible. I called my HR representative and she was also misinformed and said i could BUY UP if i would like. I don't have a problem with paying more if i have a choice and am informed. But had they not misled us, i could have had medical procedures taken care of at the end of the 2011 year. Now it will cost me $500.00 more to have the same things taken care of 1 week later. If i were to look for insurance, I WOULD LOOK ELSEWHERE. With a company that has GOOD SERVICE after the sale. On my rating if they had ZERO stars, that what they would have received. read more