I am truly upset and frustrated with this company. I hate the 30 day wait period! Not only that if you submit a claim with several charges, they do not question the individual claims they will deny it all together. The wait time on the phone is longer than it should be. The 80% reimbursement is only on the allowed amount they feel should be charged. For instance is a vaccine is $20 but they feel it should only be $10, they will reimburse 80% of the $10.