You'll be lucky to talk to a representative that k...

You'll be lucky to talk to a representative that knows about your plan or is even willing to help. If you do get someone "helpful" then they will probably stop returning calls. They say they cover out of network as long as it's not a routine appointment, but then they will pend the claim for a year and deny it. After that time you will not be able to fight the claim they originally said would be partially covered. My calls were never returned and my expenses were never reimbursed. Aultcare is a waste of money and a joke.