I would put a negative 5 stars if I could. This is...

I would put a negative 5 stars if I could. This is a horrible insurance company. My company had this insurance when I first started working there and I had a horrible experience. They were always denying claims and stating reasons of "beyond usual and customary" without actually telling me the problem or even paying up to their supposed usual and customary rate. Nope, they will just get out of paying any amount by spouting that as an excuse. I thought all insurance must be this way, but when my company switched to a different one, that stopped happening and I actually had reasonable insurance. Now we are back because it's cheaper. Obviously, the person in charge of deciding on insurance companies doesn't use the company insurance. There's a reason it's cheaper and that's because they don't pay or help. They send a one line bill with a rejection without actually stating the problems or trying to work with the doctors to get things fixed. In short, don't be fooled by cheaper rates because they won't pay. You can however drive by the building and see all the new shiny cars that the employees drive. Guess that's where the payments go.