I will start by saying one good quality is they pay fast. But... they don't cover shots flu shingle etc. Always have to pay more than co pay at drs offices any extra is not paid. My husband has thru work we pay 230 wk for the insurance which is to high for the coverage. I did have back surgery and they paid 100% after 4000. Prescription svc is ok. But when did ins become drs y do they have the right to tell the dr that knows me sees me, knows what i need and dont need. U spend more money to go thru all the junk they make u go thru then end up having to do what dr ordered to begin with. Dont care if u have drs on staff, u do not know me u r ins a svc i pay for to pay my drs. U should have no say on my treatment or meds. I dont need your recomendations thats my drs job. U should have no say on what is necessary or not necessary you r insurance. When u go to emergency room and attendant tells you they are the worst insurance ever to pay for things doesn't sit well. They know because thats what they do everday chk out ins coverage. No one at my husbands workplace hates this insurance must be cheap for the company they wont change it. We had Atena before this whole lot more coverage for money.