Avoid this company at all costs. Everything about this company is 3rd World, but then again, 3rd World countries probably have better care than Kaiser. If you need an appointment, they will gladly see you 4-6 months from now. Their doctors are the best that phony Caribbean schools can offer (except for the few doctors who went to legitimate schools, but have had a few malpractice 'hiccups' along the way). And wait to you deal with their over-the-phone system... straight out of 1975, complete with accidental hang-ups (if they really are accidental). Yes, you can have all of this great treatment for the low price of $1000+ a month, along with a high deductible. Avoid this company if you can.