JPFarley has decided that they will only pay 150% of the rates medicate pay, but this is without any agreement from the hospitals. So they pay a small portion leaving you battling with the hospital for the balance. They state they have a resolution policy but it is a joke, the hospitals will not resolve the open balances and you get stuck hoping for a settlement, which you end up paying. You are told by the attorneys that JPF will not pay anymore towards the claim. Hospitals are now refusing to see patients with this insurance.