This message is in response to Soulmate. You have it all wrong about this company MedFund-USA http://www.medfund-usa.com After reading your comments I checked out the site closely and it clearly states that it is not a charity who provides grants to just anyone who asks. Instead, closer examination shows that it A MUCH NEEDED VIABLE ALTERNATIVE TO MEDICAL INSURANCE. After reading through their information I contacted them and was pleased at how they described what they are all about. It is a membership organization whose Members help other members through tough times. For those who are looking for an out an out grant, then best look elsewhere like the government or a church. THIS COMPANY IS FOR THOSE INDIVIDUALS LIKE MYSELF WHO PRESENTLY HAVE MEDICAL INSURANCE OF ONE KIND OR ANOTHER, but like most are tired of receiving very little coverage for high premiums, plus having to pay large deductibles, Co-Pay's and 80/20 plans and anything else the insurance companies choose to lay on us. This MedFund-USA company is most definitely the way to go. I hope I have helped clarify any misunderstanding.