Even that it seems that I ain't payng much, once I used the plan, it cost me not only the premium I paid monthly, I got a bill that cost me one month Salary. If I did'nt have the option of a monthly payment, I could it lose my apartment, could not put food in my Family's table, paying my bills, and all could it been all negative products of seenking medical attention for my baby, my wife or myself.....