I went through Pacific Cross and originally had a Cigna policy, 3M cover, it changed to Chubb during that year, after the first year there was a steep jump in premium so I asked Pacific Cross for alternatives, they came up with CHUBB SIGNATURE CARE PLAN, I took the 700,000 cover per year plan, yes a bit low but I hope I die before I get very sick, life has been kind to me so I recon im ok on this, for your age your looking under 60,000 a year, better than having nothing, suggest you get in touch with Pacific Cross....not Chubb, the office isn't working to well at the moment, just had a cataract procedure, the hospital tried to make a claim on my behalf but it was rejected, phoned them to find out why they said they would get back to me, took a second phone call to get yes your covered but you the patient is expected to pay the hospital bill and then make a claim, good luck.