We might as well not even have insurance. I pay $18 a month for nothing. The year is half over and between the new deductable and what they refuse to pay for, they have paid for nothing so far this year. They promised a $100 dollar gift card if we filled out a health assessment. I filled it out months ago, and still have not received the card. I should have never filled that thing out, now they have information about mine and my family's health history that they shouldn't have. The discounts on gym membership are not discounts at all. I checked one of the gyms. I can get a cheaper rate walking in off the street.