I never pay deductibles on anything medical insurance, no co-pays. I can go to physical therapy and chiropractic which I don't want to lose. I can go anywhere in the U.S. for care if I deem it advisable. MofO is a great company. Due to others in my group needing more help than premiums they have had to increase premiums past few years. Even at about $228 now I am ahead of the game as when I add up preventative medicine care, annual exams, physical therapy it would cost about the same for many months. I prefer to prevent and keep myself in good health.