I use to belong to this organization years ago,but stopped after I found out that they only start paying if I am in the hospital for three days. The first three days are when you get all the charges. Their rates were very reasonable. This was a very long time ago and they probably have had many changes, but this soured me on them. I would try Regence or True Blue(Blue Cross). These are senior plans. If you are not a senior, can not help. Good luck.