For me to take the time to write a review says one of two things: either I am overwhelmingly IMPRESSED or completely FURIOUS. Count me as IMPRESSED by everything about Embrace, starting with the flexibility in choosing the plan that works best for me. After that, all that matters is the SERVICE, which is absolutely awesome: ultra-quick, personal responses to questions, expedient claim processing and a great portal for checking claims and EOBs. First Class. Maybe HUMAN insurance companies should take note.