I tried to not even give these guys a single star- but it's required.

RUN AWAY! Choose anyone- ANYONE- else for your insurance. I have had nothing but run-arounds, misleading and unspecific responses to claims. It has taken them over three months to review a claim about varicose veins, and when I received the final letter with the decision, it was filled with evasive "medical director" opinions, finishing with "the approval for this procedure requires the surgery to take place within 6 months..." But guess what? when the bills came, they said they never approved it.
Their customer service on the phone is rude, their letters claimed that I am not and "ordinarily prudent person".
WORST insurance company out there.