hello Im almira Salem from CARITAS HEALTH SHIELD,yes Caritas health shield is a Legitimate HMO provider..Regarding our payment scheme,It is payable within 5 years with 7 to 10 years coverage and with GUARANTEED MONEYBACK, unlike the traditional HMO which is you have to renew or pay it yearly...We also have our own clinics which other HMO provider dont have.....Right now we have an on going program for senior citizen(60 to less than 65 years old) until March 15,2011...
Our health card includes:
-5 years to pay only(up to 7-10 years coverage)
-competitive per sickness or yearly coverage
-assured medical funds after 7 to 10 years coverage(MONEYBACK)
as simple as this::
-1st-5th year(paying period)-can be used already
-6-10th year(paid up period)-can be use for FREE
-the after the coverage guaranteed money back....
So if you are interested you can PM me.