I filed a claim in August on an August 7 date of service. The amt of the claim was almost $300. Today, Oct 3 I finally rec'd a reply about the claims. They have agreed to pay $51. I have waited for 2 months for them to process the claim!! I AM THROUGH WITH THEM. Their marketing media was totally propaganda!! Good by Embrace or should I say "DISTASTE"!!! THANKS so much for your misrepresentation!!!BTW, THIS IS THE 3rd claim submitted - they paid ZERO on the first 2 and a whooping $51 on this one which good 2 MONTHS to get a response!!!!