I have it and have never gotten a penny back. On some of it I know it's because of preexisting but on other visits they were what I believe were coverable expenses and they have not paid. I have submitted 5,000.00 in claims and have not gotten anything back. I worked in insurance claims for 33 years so i know what should be covered and what shouldn't and I beleive they should cover at least 1,000 of expenses based on my policy and the diagnosis. |