100% scam! Tried going through my insurance and have yet to hear back. They keep telling me that they are still waiting on an approval 3 weeks later. Funny RO was able to get it approved in 2 days. TBH...I don't think they even check on insurance approvals since they want you to buy directly from them. I contacted my insurance company and had asked them about it, Zealthy has yet to contact them. Avoid them at all cost!
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