Legionnaire Insurance Trust review: Hospitalhelp insurance plan

What a nightmare company to work with. My parents were hospitalized with Covid-19 on January 1st, my step father died on the 8th and my mother remained hospitalized until 3 February. Trying to get them to pay the claim has been very frustrating. First I filed their claim with the required documentation and then waited their required 4 weeks before doing anything. After 4 weeks I called and found out they sent a letter asking for documents to a PO Box that has been closed for 3 years; I updated the address. What documents did they need? The same ones I submitted for the claim. So after 2 months they finally paid for the first 8 days sending the check to the old PO Box, again I had undated the address with them. My mother's additional time needed more documentation. I acquired the requested documentation including a letter from the hospital director outlining my mother's stay. I called today (6 weeks later) only to find out they had sent another letter to the PO Box wanting additional documentation again - the same documents I sent to them 6 weeks ago.
This company is either incompetent or intentionally doing whatever it can to delay paying a valid claim. They are however very efficient when it comes to collecting premiums.
PS when you call the claims number the people are very polite and appear to do their best to help but are powerless to actually fix the issues. Clients do not have the ability to speak with anyone that has the power to fix the issue.