This has been a life saver. has helped to ease the worries of health care. It has taken the worry of going to the emergency room when I needed to go which ultimately saved my life. Being able to make affordable monthly payments without the constant hassle of bill collectors calling at odd hours of the day, makes life so much easier. The only thing that would make it easier is to be able to use a card to automatically show, like a credit card, at the facility at time of service.