I was thrilled to find a health insurance plan that appeared to be reasonably priced. The copays seemed in line with other carriers and my doctor participates in their program. They also boast about their no referrel required policy. What I did not realize was that every breath you take has to be pre-authorized through the company. I have a chronic illness which requires daily medication for the rest of my life. If I skip a day of medication my body begins to build up an immunity to the medication which could eventually cause my death. I was informed that the pre-authorization would only take 72 hours. Unfortunately, it took Atlantis six weeks to pre-authorize the medication. Which left me without medication for three days. While this is a lifetime med, the company requires pre-authorization every 90 days - which I just cannot understand. They also require that you use their mail-order pharmacy out of Ohio but will not authorize the release of the medication until you have completely finished the current month's prescription - once again leaving you without medication for a number of days. I highly recommend that you read all the small print if you proceed with Atlantis but I strongly suggest that you stay as far away as possible. It may seem like a good deal but that couldn't be any farther from the truth.