This company is the worst!!! They keep sending me the wrong ID cards and every time I call they say the new card is "in the mail". Every card I've received in the mail has the old information from last year. In addition, the cards I've received only has my son listed and not me (I'm the primary policy holder, he's only 4 years old). I have also had to call about questions I have regarding my schedule of benefits. Everyone I speak with gives a different answer and they all appear to be inadequately trained. Some tell me I need a referral to see a Specialist, others say I don't need a referral as long as the doctor is in network. Which one is it??? The schedule of benefits document I downloaded from my online account gives conflicting information. I asked to speak to a Supervisor today for some clarification and the guy I spoke with was so rude and not even remotely helpful. I do not at all feel confident about this insurance plan and strongly dissuade others from signing up with this horrid company!