This is my second year with them ! First year seemed great - now the hammer has come down all of my eob have been wrong . Customer service wait time exceeds two hours most days . Doctors are complaining they are not paid correctly and on time , and probably will not take them next year. I would avoid this company at all costs as I would not want to deal with the hours of corrective work you will have to do . It is resembling an Easte5rn European health co-op that I saw growing up .