Hi, Everybody I am the kind of person who is pretty thorough in just about everything I do. I noticed that some of my claims that I sent in seemed to mysteriously just disappear even. When you cancel with them (I cancelled on the phone.) you can even hear it in their voice like "I wouldn't blame her (them) for canceling." Yes, it is a scam. (and I want to mention I wouldn't work for a company when you know you are scamming people.)