I was recommended and ultimately sold this health care plan by a health care "agent". It seemed too good to be true because it is. Everything they told me was "true" that it is a PPO plan, that it connects you to many doctors, etc. But what they mislead you about is that this is not health insurance. If you end up in the hospital for days you would not be covered for your stay. If you ask them this they'll say oh you have your copay but not inform you that in order to deal with that bill that they are only a network of doctors and not an insurance company so you would need coinsurance or additional insurance. You're better off working with marketplace or finding a legitimate health insurance agent.