This insurance has a lengthy exclusions list and very few providers in my area have ever heard of them let alone accept them. I was told my children could keep their pediatrician only to be connected by the doctor's office 1 week before my toddlers well child visit that had been scheduled for months that the insurance wasn't accepted. All after getting clearance from JP Farley to make the appointment. Claims are denying and I'll keep fighting! This insurance is a joke!