Signed up took 48 hours to get full access to their www site. I live in Concord NC 20 miles North of Charlotte ( 15th largest city in US). They had me going for mammograms in Ft Mill SC! Wound care Rock HILL SC, two other needed facilities one in Ashboro and one in Seagrove. This isn't how insurance works. I understand this is a new company, but truly you should at least have providers in the SAME STATE as your customer. Especially being so close to Charlotte s city with everything anyone would need, as a matter of fact so does Concord. Needless to say I cancelled. I do not understand their 5 star rating.