a lot a lot of troubles with this company and all I recommend is to stay away.
almost anything is troubling when you deal with that insurance company.
starts from the most simple thing to make a payment for your monthly premium, continuing to try to use it they rejected the doctor visit portion bill.
when you try to contact them it takes forever, FOREVER I am talking about over two hours wait to just ask a simple question.
now I found out their permission to sell policies for 2016 is suspended. not surprising
STAY AWAY, DAMMMMM