I'm going to pay more & Go elsewhere! Have been with most of the major healthcare providers. I usually swap providers annually via my broker to obtain the best price. This is the biggest insurance mistake I've ever made. So much so I will pay extra to leave mid term and I will pay extra to insure with another provider. One that doesn't have a call centre abroad, where you struggle to get your point across, one that doesn't make it exceedingly difficult to make a claim, one that doesn't have shockingly bad reviews, one that doesn't have a high amount of reviews that mention claim denials or ombudsman referrals (see website reviews.i.o). I do not feel like my and my partners health is in good hands for the 1st time ever in years of being a private healthcare customer. I think that says it all.