One of the worst insurance offerings that I have ever seen. Very pricey and not a lot of options to choose from. Most important thing is about their medical coverage, It will be active only when the enrollment period begins or after 1 month of joining in some cases. This is obnoxious and worst thing about this company. If something happens to you/your family then you have to wait till your insurance is active. For this reason, I would not recommend anyone joining this company. Worst policy ever by a mediocre company.