Please note that the PICTURE UPLOAD function is not working. The iBoats Forum Moderators are working with the system administration folks at the parent company to get the issue resolved. This happened about a year ago and here we are again. In the meantime you can post photos as links to a picture hosting site of your choice. We are sorry about the inconvenience and will advise when the issue is resolved. Thank you for your patience.
I second what GA stated, it varies based on the state you live in, the last year with my wife's plan has been a nightmare, so just call the source, you will get the best information you can...