Disappointed in Momentum Life's approach

Momentum seemed fine when we did the initial screening, but things started to go south when it came to the actual quote and medical tests required. They are actually requiring my husband to pay for doctor's consultation fee for their required tests, just because Momentum doctors are not in our area. This is the first time I have come across an insurance company that requires of the potential client to pay for the doctor's visit in order to complete their requirements and it does not even guarantee that they will be happy. Also medical exams are required of a isolated incident my husband had in Feb 2014 which he has fully recovered from. In fact the doctor did not even required a follow up visit in 2014 after he was treated.