I'm had this coverage for 3 years and have never needed it. I just recently hurt my elbow at work and claimed on it I got my first check for the initial emergency visit and then 10 visits to therapy and a couple more Dr visits then when I summited the rest it claims I've already met the max. I pay $80 a month and have this whole time and my max benefit is $650. That's not worth it to me anymore. I'm calling them up and asking them what's up.