My husband and I are self-employed and wanted coverage for accidents, emergencies, and surgeries. We repeatedly stressed-to the agent-that we were not so concerned with office visits and routine medical care, but wanted protection against financial disaster. In February, my husband had an appendectomy. One night in the hospital and his surgery totaled $22,000. United American barely paid 6,000. I now have a $17,000 bill. I called the company and they explained how this was just a "limited surgical policy". Our premiums were $1,005 per month and for what? We would have been better off to be uninsured and saved the $ 1,005 per month.