This is our first year with Embrace and so far, I'm not impressed. While our Wellness claim was paid promptly, the $60 reimbursement we received has to be balanced against the $150 unreimbursed cost to have an exam done for the ortho waiver. The remaining claims we've submitted so far have all been either denied or significantly reduced. I've actually given up chasing paperwork for the remaining receipts for this one dental procedure because I really don't have any expectation that doing that will satisfy our $500 deductible.
The positive stars are only because the Embrace employees I've dealt with on the phone and through email are unfailingly polite, professional and try their best to be helpful.
I'm not sure we will be renewing our policy next year.