I absolutely love the service; yes, sometimes finding a doctor on the plan can be tough, but when I called, they provided me with a complete list of doctors who accept the plan. If a doctor says they don't, it's not the service's fault; it means the doctor stopped participating without notifying them. I’ve never had an issue getting a referral or having something done. When I call, they take their time to talk, which is nice, especially for seniors who may feel a bit lonely. They offer a give-back program and over-the-counter medications, and I find them to be one of the best insurance providers I've ever dealt with. While there are complaints, that’s common; not everyone can be satisfied. My doctors are on the plan, my needs are covered, and for tests, you should check out the designated facilities, which often do not charge a copay.
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