I had J. P. Farley 4 years ago when my son was born. They wouldn't add him in until we gave them the birth certificate AND his social security card. Everyone told us that would take 40-60 days. I called them every Wednesday from my son's birth till we got the documents to try to get him in and make sure he was covered. Constantly told it would be fine. Finally got the papers 50 days later and they refused to cover him for the entire year. He was born in April. And on top of that the kept insisting to the hospital that I was covered so we got the hiked up bill they normally send to insurance. Plus we had to cover all of his first year vaccinations out of pocket ($4500) even though it would have cost them practically nothing. I have only just now paid off the messed up medical bills. I would love to sue them for all they have if a lawyer thinks I have a case. They shouldn't be in business if they are going to screw over the people that pay them.