I've tried here for months now and honestly Hallmark HMO has made dealing with medical stuff way less stressful. The thing that got me is how straightforward their coverage explanations are sha because most HMOs will confuse you intentionally but these guys break it down simple simple. As a civil servant my salary no be beans so when they approved my claims without all the back and forth wahala I was genuinely shocked. Best decision I made this year after wasting money with other providers before.
