I had a detailed conversion with Rick Anderson with Benefits USA on 11/03/08 where I told him I needed insurance to cover mental health for my son. He told me it would be covered at 70%. I had him check the list of providers to make sure this psychologist was on the plan and was told she was. I also asked about prescriptions drugs and was told I would not have to pay more than $40 for any drug. I had to wait until Dec. 1 for coverage to start. I then found out that mental health is not covered at all and was told just because a doctor was on the list of providers, that didn't mean they would be covered. That does not make any sense. Also, I take 8 medicines and he takes 2. My out of pocket for just my prescriptions will be over $1700 and is will be over $950. I asked if I could cancel the insurance if I did not use it and get a full refund including the $120 set up fee. I was told I would have to cancel the policy before they would discuss any refunds. Next time I will get everything in writing before paying for anything! This company completely lies in order to get people to sign up. I am better off not having insurance and just going through JPS. It will only cost me $200 a month for the medication.