I would also leave a 0 as a review. There is an appearance of health insurance coverage but there are many many limitations. Underwriters are vipers and The agent snuck in a few "extras" on our plan that we did not ask for but were there when we got the policy. The agent was very difficult to get a hold of and was not forthright in telling us it was NOT the minimum coverage under Obamacare. We are still trying to get our premium back after canceling. We wrote the BBB to complain about the entire experience and to get our money back. Beware of vague incomplete information that is misleading and appears to be dishonest.
If there was a way to leave a rating of zero stars, that is exactly what this company would get! Customer Service is non-existent. When asked to escalate to a supervisor, representative claimed not to have one!!!
This is not traditional insurance. They use deceptive and misleading tactics in order to get you to sign up for their “plans”. These are not plans. These are bundled together indemnity (short term limited coverage plans). If you need a drug plan- that is extra. You need hospital - that is extra. They will only pay a lump sump for procedures and limit doctor visits and procedures within a year. Pre-existing they won’t cover. Also, chronic conditions if they do cover you will have to wait 12 months from purchase in order to get treatment for it. Example from their policy- they will only pay $35 of a woman’s Pap smear. You are limited to one a year. You will be responsible for the rest. Chemo- they will pay $500 a day with a max of $10,000 a year. Average initial cost of Chemo can be upwards of $8,000. An 8 week course can be as much as $30,000.
As many of the reviews reflect many people are not told the true nature of the insurance.
Sadly they don’t cover autism, maternity, among others. Like one reviewer mentioned, they probably paid an add on policy through them to pay for their son.
They are notorious for underhanded practices when it comes to claims and denials. They refuse to respond to emails and like I was told by their customer service- there is no email address that’s what the phone is for.
They will say they mailed it when they haven’t, not answer calls, purposefully wait out the time on a claim so they don’t have to pay.
Make sure you document everything. Send them a letter of appeal on claims. Make sure you have copies. Gather your evidence and report to your state insurance commission and attorney general.
They keep doing this because they know people tend to just give up. Don’t let them keep doing this.
I agree with other reviews, this is a premium paid for nothing that isn't specifically listed in their payment grid. You pay them, they pay almost nothing.
This is by far the worst insurance company I have EVER delt with. They sold me an upgrade of $1200 a month stating it would cover 100% of my sons autism services ect. 1 year and 4 months later I am still fighting with them. They lost my sons medical records 5 times the claim every excuse in the book to not pay the claim in hopes it will wear you down and you will go away. If you want a company that will lie, waste your time and take your money this is your company then. If I could give less than a 1 star I would. It is a total scam...100%. They should be put out of business...what they do is shameful and disgusting.
This place is a scam. Not only did I have to pay the company, I had to pay all my medical bills too. They have not paid one dime. I always get an excuse of why they will not pay. When I fill prescription I have to use good rx to get a better price. Now I get a notification that there will be a price increase. I had an accident tried to see a Dr on their list of providers, but none would see me. I filed a claim, they say they are not going to pay. I definitely will not be giving them anymore of my money
Private Insurance won't even cover 50% of a well child visit. I've had this insurance over a year now and finally cancelled it after so many disappointments. It was "sold" to me like it was the best insurance ever but I feel like I got scammed. Anytime we need to use it the insurance barely covers the basics. I literally would have been better off paying with a cash discount. Shop elsewhere for insurance!
Reliable
Claim the profile, write a
