I filed one claim which involved a dental surgery and complications. My claim was for around $1200. I was reimbursed about $70... the surgery was broken down into over a dozen parts - EACH WITH ITS OWN DEDUCTIBLE of $250. It made no sense - the entire procedure was one claim and should have had one deductible. It was no help when I called either. Now, at renewal time, my policy premium is doubling in cost.