Worst insurance company ever. I called an asked if a hospital was in network for my wife to deliver her baby in. They told me yes they are network. Well my wife had her baby there and we get the bill for over 7,000$ and they said that hospital was out of network. I called multiple times to get it corrected and they still have not adjusted it. This was just the biggest problem I have had with them their are others too. Do not get them.