I was told they would cover most pre existing conditions-they would not cover my sons ear infectins, he gets about 2 a year and I disclosed this prior to obtaining coverage. My employer will pay for $200 of my medical, they do not send out paper bills but would get her comfirmation other than my bank statement that I paid. They did not. I would never have to submit claims-the initial paperwork came with forms I had to fill out every time I went to the doctor, my son was sick on a holiday and they did not cover any urgent care facilities near my home. Every claim I sent in to them, they owuld send me notice they would need even more in formation, list of all trips to the doctor in the last 3 years!