I had thought that my previous Blue Cross Blue Sheilds of Oklahoma was the easiest and best coverage I had ever had until I had gotten Met Life. With this company I pretty much paid NOTHING! Deductables were non existant, I paid a $10 co pay for prescription drugs RX, DR visits, etc. I saw who I wanted when I wanted, no pre existing limit, nothing! I would love to have them back, the premiums were very low too. Thank you MetLife.And they paid 90 instead of 80 along with receiving free dental and chiropractic care, it was a truely great experiance. I once asked a rep from the company a hypothetical question about what if I got AIDS. They told me they would not only sympathise with me, but give me a counseler for free, and would not find ways to cancel me, they would only help... Thanks!