I purchased a temporary plan between jobs. I needed to see a doctor. When I tried to use it I called every doctor on their list within 50 miles of my home. I was told a minimum of 45 up to 75 days to be seen. And in many cases they refused new patients on a temporary appointment lan all together. I was forced to seek public health options which was completely demoralizing and embarrassing. I immediately canceled my policy three days after purchase. It is now 20 days later and I have still not received a refund. Customer service told me 5-15 business days to be paid. This is the worst experience I have ever had with any insurance company. I will tell you know do not buy from this company they are a joke!