This year has been completely chaos with this so called company!! The customer service is a joke and the billing department is no better they don't work together so when there is a issue things get confusing on both ends!! I have been insured with these people for a few years and now having problems that they can't seem to explain?? I make payment monthly on there western union pay and the past few moths there's been a problem?? They then send me a check for a quite a bit of money and when I called to ask about it they said it was overage and it was due to me??? This week I go to pay my monthly and now I owe them almost $1000 ????? Wtf ..... after 3 phone calls and being disconnected with them not calling me back....I finally got a hold of the supervisor......she does some investigating because she is clearly lost on why they sent me back the money, to now tell me it was there error sending me the money and that I still owe them??? They can fuckn suck a nut and go to hell!! I will be canceling my coverage and make sure I tell everyone that they are completely incompetent!!