by now. I had a dr. in auburn that was a totally useless waste of medical space. He didnt catch my gall bladder. When i went into office of va clinic and said i have to see dr now, is emergency, he finally listened , I had surgery, Surgeon said he had to almost use a spoon to get out gall bladder, it was so diseased. If it burst, i would have died, cuz there would be no time to get me to hosp. (live 45min away from hosp). I've had my share of incomptent docs thru the va, but but he was the worst. Now iv'e got docs who try and are listening to me. To point. But I am grateful for the coverage. We run a renagade Harley repair shop, and this is the only coverage we have.