I have had this insurance for 17 years and have never filed a claim or used it in any way. My premiums keep increasing despite this and they don't cover any preventative issues like colonoscopy sp?or annual exams. Seems stupid. I'm in perfect health, eat very healthy food and exercise regularly. Never smoked, don't do drugs, even aspirin and have 6 body fat. I feel like I'm paying for all the obese people with unhealthy lifestyles that live off the healthcare system. Very unfair. Charge those people more and reduce the rates for people like me.