Without a doubt one of the worst insurance plans I have enrolled in since the ACA went into effect. I may as well set fire to my $349.00 a month. Worthless. Calls not returned, questions go unanswered, incorrect eob statements, can't even apply my deductible dollars properly. I cannot wait to get out from underneath this plan as well as the ACA. Thank God I will have private insurance at the end of this year. The only time the ACA works is for those who get free insurance via Medicaid. My premium dollars go towards paying for those who are on Medicaid.