The t v ads are very misleading. You pay a hefty price for very inadequate coverage. When I received the paperwork almost every page said, "this is not medical insurance" , that is the one true statement they made. Don't waste your money and your time with this company. All I can say is this non-insurance is only slightly better than nothing. In fact, you will be better off to put your money in a savings account at very low interest and just pray you stay healthy.