DO NOT USE THIER WELLNESS PLAN. Don't get caught like me. In the second year of the plan, I had to put my Great Dane Down. They wanted to charge me for the unpaid balance of the pervious services. The first bill came to $500, I paid $150 into the plan so far for that year. They tried to charge me $350. I was not aware of that when I signed up. They also did a lot of up selling on services not covered. I will not use their service again. Fool me twice, shame on me.