On phone said it would cover doctors visits and specialists. Paid $135 application fee, $124 membership fee every month. It is really just a discount program for hotels, cars, shopping, dental discounts on services, medical lab, hearing, vision and imaging discounts. They lied and said it would cover doctors expenses like health insurance. As soon as the book came in the mail, it states "not insurance". It took them 24 hours to deduct the $ from my checking account. DO NOT fall for these scams!!!
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