Generally I don’t do medical insurance. I regard it as part of the problem.
Big government and a triumverate of three industries – medical care / medical insurance, big pharma, and big agriculture / food manufacture – have hijacked health, and have it, if you want it, for sale.
The fact that the “cure” word has been stolen from the English language should tell you all you need to know. “Cure” is now the sole property of the pharmaceutical industry, and if you hint that some natural remedy or other might cure a malady – especially if it actually does – they are perfectly willing to send their bureaucratic thugs after you to shut you down, fine, you, jail you or whatever.
So I go my own way and have as little to do with them as possible. But meanwhile, should I happen to get involved at some point, this tidbit may come in handy: