Although discounts are usually make off of the charges I submit, being in NYC the charges are almost always higher than the Company's reasonable and customary charges; however, even with the discounts, the premiums are lower than most other plans, so I guess it balances out in the end. The biggest objection is the max one year following coverage in the prior year, and after than, there's no coverage for the same illenss (unless 18 mo. has gone by without any treatment. The folks are always pleasant.