They'll take your money and send you nothing. They don't know how to run a business. They're cons, I was certain my first payment would be postponed, but it never was and I've been trying to retain a refund since. I've left 10-20 messages within a week and have yet to hear from a single representative. They've compromised my account and cost me $175 in overdraft fees so far. I do not recommend this company to anyone for their health plans needs. The only thing they've done is taken every cent I had and given me nothing but migraines.