Absolutely terrible. They use a scam company calle...

Absolutely terrible. They use a scam company called P&R Dental that just simply denies valid claims with little to no explanation. When you call asking for clarification they tell you to file an appeal. Okay. So I contact my dentist and periodontist who go through and put together letters written explaining why the denial does not even make sense, send that in on my behalf, and the claims are just denied again with the same reason as if they never even took the time to read what was sent in. Their response? Submit another appeal. This is a scam and borderline illegal.. I am now out $3k for services that Beam told me would be covered, and that should be covered. Avoid this company!