If you want a hassle free insurance company do NOT go with NHC. You will have a hard time simply paying your monthly premium. Need to get ahold of CS? You'll have to wait an hour or longer... If you're LUCKY it'll only be a 30 min wait. Most claims are processed incorrectly. So you have to call in to let NHC know they did it wrong, so they can reprocess. Otherwise you'll get a huge bill from your doctors office. Sometimes the claims are not processed correctly even after being reprocessed, so your doctor gets annoyed and refuses to see you again until they pay your claim correctly. (Can't blame the doctors for not wanting to see patients they're not getting paid for) there are a million more reasons why NHC is horrible, just ask a few of their current members. (Very few get lucky enough to have minimum-no problems with NHC) Again, if you want a good, hassle free insurance company, GO FIND ANOTHER INSURANCE COMPANY!!