premise: yeah you know it's pretty good they're really fast on paying uh all my claims you know i don't use it that much to be real honest with you i'm alone and and you know it's hard for me i don't go to the doctor unless i'm really sick and i don't get sick that much so you know sometimes i don't even come up with the deductible
hypothesis: I use it very frequently as I tend to see the doctor very often.