THIS IS THE MOST DEVIOUS , UNDERHANDED WAY TO ROB THE ELDERLY I HAVE EVER BEEN EXPOSED TOO ! THE COMPANY I HAVE HAD THE MISFORTUNE OF BECOMING INVOLVED WITH IS CIGNA RX !! I AM SURE THE OTHE PLANS AVAILABLE PRACTICE THE SAME DISCIMINATION OF DUBIOUS INFORMATION IN AN ATTEMPT TO CONFUSE AND CAPTURE THOSE PEOPLES' BUSINESS.AN EXAMPLE , WOULD BE,YOU HAVE TO JOIN THE PLAN BEFORE THEY RELEASE ANY,I REPEAT ANY, INFORMATION CONCERNING WHAT AND HOW THEIR PLAN COVERS, PAYS AND IN ANY OTHER WAY BENEFITS THE ELDERLY.IN OTHER WORDS ONE WOULD HAVE TO BECOME A FULL MEMBER BEFORE YOU GET ANY INFORMATION . WHAT A SCAM. THIS IS TANTAMONT TO BEING REQUIRED TO BUY AN AUTOMOBILE BEFORE YOU ARE GIVEN ANY INFORMATION OR EVEN ALLOWED TO DRIVE IT. THE LAW SHOULD NOT ALLOW THIS. THERE MUST AND SHOULD BE FULL DISCLOSURE PRIOR TO HAVING TO AGREE TO ANYTHING ! ALL OF THIS IS NO MORE THAN AN OUTRIGHT ATTEMPT TO STEAL FROM THOSE WHO MAY NOT REALIZE WHAT IS HAPPENING TO THEM. REGARDS,