I have had good and bad insurance programs over the years. Manhattan Life First Health is by far the worst. Do not fall for the sales pitch. On paper the program looks like a good value until you are in the program and they refuse to pay the majority of claims. I required a hand surgery and their response to the physician and the hospital was "pay our of pocket and we will review the codes on the bills and determine if we will pay". WTF, have you ever heard of such a thing? Spend $40k and we will let you know later. On top of that, the scumbag representatives disappear after they bend you over. Run from these clowns, a total waste of money.