If you are a senior stay away from American Progressive/Today's Options. I work for a large hospital, provider billing and this company does not know what they are doing and offer no customer support. They disenroll members, take back monies in offsets on accounts past two years leaving the providers stranded and unable to bill the patients, call centers are in the Philippines and nobody speaks English well enough to understand your questions. No one knows where to find copies of checks from money they have supposedly paid us. We send customer dispute forms and there is no response. There are never any supervisors to talk to, and they give phone numbers that don't work or are answering machines that do not give their company name. And the list goes on... Talking with several other large hospitals in PA the story is the same. So if you happen to have this insurance in PA write the insurance commission with your complaints. Their license should be pulled. This is the stuff that is driving healthcare out of business.