Similar to the rest of the reviews, the response time is the worst I have seen with any company. Truthfully, I am not sure how they still have any customers. What happened: I tore my ACL and had meniscus damage; it took 3 weeks after the incident to get an MRI. After the MRI, I did not get a response from them for just shy of 2 months to finally respond with acceptable orthopedics to go see which led to surgery after meeting with the doctor then scheduling the surgery. I am still waiting to hear what my options are for Physical Therapy, but we are approaching 4 months. The amount of atrophy in my injured leg is insane; my legs look like they belong to two different people. I will be taking them to court over this. TLDR; Do not use sedgwick as your insurance company