Destiny health care has the newest scam going utilizing a personal medical fund or pmf account. Do not let your company choose destiny health or a personal medical fund plan. Basically, you might as well be self-insured. This type of plan takes you and your comapnies money and pays bills from the account. Everything is ok until you have go beyond the pmf account and try to access the benefits of the insurance plan. You will end up paying so many of your bills as being part of your deductible, out-of-network, etc. You will never get to your 100% insured benefits.