u need to tell ur insurance that u r going to change ur insurance co. if they donot do a good job, of course donot use this until the last min.
i am lucky to hv a good case manager, thank him.
i can not tell whehter ur charge is reasonal, ur case manager can, that their *****o for.
anyway, i never pay my bills too rapidaly until it is really low. every time they send me different bills also.