Once your provider is on site and diagnoses the issue you will look at the coverage chart HERE to see if the part is listed, if it is, look at the total part and labor amount, this is what we reimburse you for. HM has listened to our members and changed the way warranties are done. Our transparent coverage chart shows everything that is covered. We do this so you have full knowledge of what we pay for with no hidden terms, grey areas or waiting for an approval that could be denied. If it's listed on our chart we pay for it, if it's not, we don't. Do we cover everything? No, but you can count on us to cover and pay for what we list.