Scams? They paid for my $6000 colonoscopy which caught early cancer, my daughters stitches, my wife's allergy specialist, my son's rocky mountain spotted fever, etc. etc. $500/mo for our family of 5 and we've been on it for nearly 10 years. But yes, please tell me more how this service that is way cheaper than insurance, is a community of people helping each other, and covers way more than insurance, is a scam.