DO NOT USE!!! This is the most ridiculous employe...

DO NOT USE!!! This is the most ridiculous employee insurance I have ever encountered. Nothing is paid while they deduct money from your hard-earned paycheck. There is no way an employee should have to pay thousands of dollars in bills because supposedly in-network doctors/clinics are deemed out-of-network when you use them. If the doctor is in-network and works in a clinic, then you pay out-of-network pricing. I believe this should be considered a scam. I work doubly hard in order to pay for the things I need (ie. insurance) Therefore, I do not expect to be ROBBED!! But this insurance is doing just that! DO NOT USE THIS INSURANCE!!!