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I had nase and they were a pain in the ass.
My friend was also with nase and had a neck injury playing a game and couldn't move his head from side to side. He never complains about anything, but moving your head is kind of important - so he went to the emergency room.
They denied coverage. Said it wasn't an emergency.
They might be good for getting heart attcks and bullet wounds - as I doubt they could get out of paying - for anything else they suck.
Once I switched to a corporation - things were much easier, but I think you need at least one employee to get group coverage. It wasn't much more than nase - and doesn't have a 5k deductable.
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