The benefits are easy to understand: $100 deductible and 20% co-pay. It was very easy to file the claim: I filed on-line after I scanned the documents into PDFs. I also signed up for automatic deposit. The reimbursement was in our checking account in LESS THAN ONE WEEK! I also appreciated that I could talk to someone to make sure I had completed all of the information correctly. We only have the emergency/accident coverage and were really happy with the service & quick response.