My experience has been similar, KP paid out $250K when I was run over biking to work, most of it out-of-network, and were very reasonable during the settlement

My experience has been similar, KP paid out $250K when I was run over biking to work, most of it out-of-network, and were very reasonable during the settlement process - they recovered only half what they'd paid. Now, day-to-day, for smaller health issues, I would say that they don't always shine quite as bright, but overall they have been fine.