SAMBA Insurance review: Think long and hard before choosing them

This begins my second and last year with SAMBA Health Insurance Plan. They have a practice of frequently denying legitimate claims. (I was too busy and let the open season come and go without changing plans. Now I am literally paying once again for my failure to change insurances.) Here is but one example: My daughter. age 21, is covered by my insurance. She saw an active PPO provider with SAMBA for a couple of dozens chiropractic sessions. SAMBA has a separate $300 deductible for such and then covers 12 treatments in a calendar year. SAMBA applied none of these treatments to her calendar year deductible. They have paid a total of ZERO. After numerous e-mails and calls, they admitted they did wrong and said they would pay. They never did. Instead I received yet another statement rejecting all chiropractic claims. Unbelievable. This has been going on five months. A second example: Last year my husband paid thousands out of his own pocket for medication because SAMBA tried to claim a third party was responsible. I asked them to look into the matter and get back with us. Months later I had not heard anything back from SAMBA. I finally called SAMBA and was told they had made a mistake and that he was covered. We haven't yet resubmitted those claims for payment. My husband believes it would be just a waste of time. He is probably correct. OPM should drop this plan.