These people outright lied telling us we would have health insurance for my father with a preexisting condition covered at 100% with no waiting period and $30 co-pays for Dr. visits. It was told three times. Once to myself from work, once to my wife from the phone at home and once to my mother from her phone. When we paid we called to get set up for an appt. and not only are there no Dr.s in our entire state under their so called plan they lied about the coverage. If you go to their website they have tons of Drs. listed making you think they are in network. Only to be told afterwards that they list all Drs, but it does not mean you can use them. They said they will refund our premium but not the the $125 administrative fee. This is how they rip people off and make their money. Not to mention that anything related to preexisting conditions has a 12 month waiting period. They said there was NO waiting period. They are preying on the elderly and sick. This is disgusting. Do not trust them or use their services.