Truth be told I have had good dealings with my health insurance people. We have used them quite a bit over the years. I can not say anything very negative with exception of a few things. Such as some pencil pusher dictating how long a hospital stay should be or what kind of treatment is best for you. Case and point, after our first child the insurance allowed 1 day recovery. They felt that was enough. If you wanted a second day that was on your tab. This, probably coming from a pencil necked geek. Hmmmmm sir, lets have a bowling ball pushed though one of your orifices and tell me how many days you you think is ample for recovery.