I picked the absolutely most expensive I could find because I am a 37 year old man and I have never seen a doctor. I figured it would be good to be highly covered in case there was any problems.
I have had the insurance for 5 months now, I have yet to see a doctor (ok there was a pandemic) but then they skipped doing their scheduled phone doctor visit. I asked them if I could see a psychiatrist for depression and it was ignored.
I would like to get screened for all the things a 37 year old man that has never been to the doctor should get screened for. But they have not scheduled any tests or screenings - apparently I am supposed to schedule everything myself. Well, I don't even know what all things I should be taking care of - because I am not a doctor.
I have zero access to medical services of any kind - its just a scam to get me to pay for other people to get care.