**** - stay away

Never ever ever use them, Stay as far away as possible. Worst medical aid ever.

They say they cover certain procedures and then have a bunch of hidden t's and c's that they DON'T tell you about. Dental is covered as advertised and in the schedule but only 4 fillings per person per year and only in silver not white, is not in the schedule or advertised When you upgrade or change they don't inform you of the change and then they backdate it even though premiums are billed upfront. then they proceed to charge you for all their mistakes and admin mess-ups.