Yeah, I'm with Baymac Family Plan too. It pretty much does what it says on the packet. It works well as a stand alone policy and if you already have company health insurance, it works well as a top up insurance (as and when needed). Always paid. Takes about 3 weeks to get reimbursed (typically). Used it in the US, UK and here in DXB. We usually pay and claim when we need to use it. I should really find out how their whole direct billing deal works. I have the renewal coming up in the next 2 months and from what I've heard through the grapevine, premiums have gone up - considerably.
And yes, from what I paid last year, it was cheaper than anything available on the exchange (by far).