I received a call, after going on line to get quote for health insurance for my grandson. They knew exactly that I was interested a health insurance policy for him. Brad Skinner was the person I talked to, and was led to ;believe I was getting health insurance. It turns out it is a discount program for everything from A to Z. The doctors were mostly in Maryland and we are in Virginia. Was quoted a price of $124 AFTER INFO WAS GIVEN (TOLD THERE WOULD BE AN ENROLLMENT FEE) Did find out this is non-refundable. SURPRISE. WHAT A RIPOFF