I just received an email from the company saying that after they did a 24 month review they are reducing their coverage from 80% to 50%. I called customer service and asked if I was being reduced because I was submitting claims and using the plan. They answered yes. Then I asked if it was true that I would not be getting a reduction in my premium. Again correct. I was told that in six months they would review it again and it may be changed again. I have had to switch companies before and now it looks like I will have to again which is too bad. For the most part they have not been unreasonable.