The agent for them stopped by the other day. It is one of those that pays you for out of pocket expenses and some on certain medical procedures and then gives you your premiums back after 20 years, even if you collect. I won't go into all the details of the policy. If you have one or have had it explained to you, you know all about it. Do you feel they are worth it if you have good medical insurance? My thoughts are, a lot of different medical problems can happen to a person and this just covers one of them. What do you think?