We have signed up for ARS Futuro 5 months ago and had to go to an emergency room twice for some small baby checkups. Also visited a pediatrician 2 times. ARS FUTURO always declined to pay the expences finding some excuses that were not on the contract. They cover nothing and never! Our plan was 100% emergency, and alot alot more, including 100% dentist costs. It was very expencive, we paid a bit less than 6.000RD for 3 months of a family plan, they said it was not valid right away and we had to wait for 2 months before they gave us the plastic cards. Those plastic cards proved to be useless, the last time we went to an emergency and ARS Futuro refused to pay for the simple checkup, saying that the doctors had to use medications, whithout them, they just wrote a prescription -- we had to pay 1000RD in cash. WHAT A RIP OFF!!! ARS FUTURO