By far and away the worst medical insruance provider I have ever come across. The fact that they have a monopoly as the only offering for PPO insurance through Covered CA should be a crime. The only thing they are good at is taking the money out of my account for the monthly billing. They constantly deny claims in error which results in me having to spend hours with their incompetent customer support teams to try to resolve something. There should be a class action started against this company immediately for falsely impersonating a medical insurance company.