I haven't even used their service yet, and I wont be. I'm looking into health insurance and wanted to look around and genuinely get a feel for what my options where. I have several pre existing conditions and was explaining this to the dude that I was speaking to over the phone. Instead of telling me they don't cover pre existing issues at all, which is completely fine, I just wanted to know whether or not they did. Instead of a simple no and that this was the right company for me, he accused me to trying to commit fraud. I just wanted to know what they would and wouldn't cover but instead I was accused of conspiring to commit a crime. I'm absolutely appalled.