No Service

I literally had to beg them for a refund after I paid cash for a DR's consultation because they had a problem with their systems and told my DR that my membership is not on file and does not exist after paying them for months and on time. All of this on my very first time using this cover. Emails are not rep**** to, consultants promise to send refund forms and never do. Definitely not worth all the trouble they caused me.