PLEASE, PLEASE don't waste your money on this company. I'm sure management spends nights dreaming of ways not to pay claims. My example was seen in fall of 2014 for left knee replacement. Was seen in fall of 2015 for an injury to my RIGHT knee which required a surgical repair. Contacted the company to verify coverage twice to be sure I had coverage etc. Was assured there would be no issue as it was not the same knee or same issue. Claim was denied. Seems since I have 2 knees it was considered a bi-lateral problem. Told the same was true for ankles, hips, lungs, breasts etc. Management was very sorry I was given incorrect info, saying the reps we speak with are not knowledgeable in this area. Dah…

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