Surprised this company is in business. I thought I could save some money and switch insurance companies and it was the worst mistake of my life. My wife got pregnant and nothing is being covered, I mean nothing. They say they are applying all to deductible. Some things they say they will not even apply to deductible, wow. My daughter had surgery , it was medically necessary and they are not covering one cent. I am surprised and amazed that a company like this is even in business. Beware, Beware.