Administration and claim payment is ok. Unfortunately the marketing material did not clearly describe how cost sharing is processed. It is disappointing to see that the plan subtracts the Cost Sharing Coinsurance payment at the same time that the Deductible is being filled. I’ve been in the insurance business for over 30 years and have never observed this type of benefit administration. A Deductible usually gets fulIfilled, then other cost sharing starts. I talked with the company and was directed to the page where the vague benefit language was published. At that point I was blown off by the representative. So that’s that! The administration of claims in this way subsequently increases the time it takes to fulfill the Deductible . So it costs the policy holder more before the Deductible is filled. I would not recommend this policy because of this.