I've been in the medical field in the Las Vegas area for over 13 years now and this is hands down THE WORSE INSURANCE COMPANY IN THE WORLD! They hire new people all the time that know nothing about medical. The provider rep department has the worse turn around than a revolving door. I've had friends go and work for this place that have horror stories and lets not forget how active this insurance company was in infecting people in this town with hep C because of Dr. Desai. HPN was his biggest level of patients seen due to his contract with them. They really need to be shut down they are disgusting both professionally and medically. If you ever get a job that offers this insurance your better off with Obama care for your own sanity trust me!