Overall, they have really great plans at pretty affordable rates. I just had to use mine for the first time for my little one and they covered her bills just fine but I found out that they only cover 90% when you’re working toward meeting your deductible too rather than just after meeting your $500 deductible. I don’t feel that that was clearly explained when signing up so just a heads up if you choose to sign up. Still better than my having to cover 100% of it but just wish I had been made aware of that when signing up so that I expected it. Still a really great option though.