I was lied to. I was told that I would have maternity benefits and whenever the EOB's came it said that I didn't have maternity benefits. They didn't pay for anything!!! Not to mention, I had to go to the ER a few times and even that wasn't covered. Whenever I tried to get my benefits appealed I was told to put it in writing. I did that. Then I was told that I had to have my doctor list my complications. I did that. After A LOT of jumping through hoops with these people, I was told that the appeal had to be from my doctor not from me. I got nothing but double talk and no service from these people. When I tried to complain to the people involved they basically said it wasn't their fault and to talk to somebody else. Vincent in claims and Kristen Sobieski an RN were the worst people I could ever talk to. Don't give these people any of your money!!! I canceled my policy and was told my premium would be refunded on a certain date. I called after that date to find out where my money was and they said that it was posted and to check with my bank. My bank said that it hadn't posted and that there were no pending deposits either. These people had the audacity to call me under a different name but same number to ask if I needed health insurance. The nerve!!!