After a number of years paying premiums of just under $600.00/mo for my ex-wife and myself, I needed a hernia repair. What was left for me tp pay after MEGA Life and Health refused to pay amounted to many thousands of dollars. If a person is paying for medical insurance, then the company should pay for all medical bills instead of just what they feal like paying for leaving huge bills at the health providers for me to take care of in addition to continueing to make the $600.00/mo payments to MEGA. Couldn't cover both so I ended up having to drop MEGA and am presently uninsured.