They don't even deserve 1 star. This is not insurance. Save yourself the headache and do not go with this company. They will lie to you and tell you all your doctors are covered and it's not true. No one is on the same page with this company. One person will tell you one thing and another person will tell you something completely different. It's all a scam. It's just a discount plan that doesn't work with most doctors' offices. Even my prescriptions were not covered even though they told me they were 100%. I've been having to pay out of pocket which I was not prepared to do because I thought I had legit insurance. This is not one of them. Do not listen to what they have to say they'll just say yes to everything to get you to sign up and get your money.