I provided all medical documents and it took over 60 days for them to reimburse me for my claim. I had to call and complain and then was finally reimbursed. Also - they "hid" the definition of deductible on page 21 of the policy jacket, where they state a co-pay is applied before your deductible. So basically they deceive you with the deductible. If your policy has a 1000 deductible and an 80% coinsurance, then your TRUE deductible is $1200 before they will pay anything. It is VERY deceptive and I'm highly disappointed in this company at this point in time. There are other options - and I'm looking into them now.