horrible fee schedule, $50 deductible for new incidents and won't cover problem cured several years ago. now that she does get sick here and there, they refuse to cover that problem. also they have this stupid way of labeling diagnoses; primary, secondary, and so on. the first one gets paid out most and down the line. they will take your money every year, no illness for long periods of time, then when you need they they don't reimburse well. i have an old policy. they refuse to allow me to join the newer better one that pays out better. they are horrible and greedy.