WatchI received a cold call from a salesperson at this company:
Medical, dental, vision $234 (probabaly for the very cheapest age group)
As far as telemarketers go she sounded much more knowledgeable than your typical drone, but she made one big whopper: She claimed that the plan was 0 deductible, which turned out actually to mean INFINITE (unlimited) deductible, once I expressed my disbelief.
Some more details:
$99 application fee, but guaranteed issue as a group.
The group is simply their applicants (well duh, what kind of
self-selected group is that?).
Plan is flat 20% on an infinite deductible (she said 0 deductible, very
misleading)
Plan name: Multiplan Network (use this name when asking doctor)
Plan type: PPO (meaning you pay a lot yourself)
Copays: 20/10/20
Deductible: infinite/unlimited with 20% flat self-pay
Sounds like a scam? Google did turn up some red flags, if not outright black marks.
Follow
Befriend (2)
33 threads
3,458 comments
Speaking of unsolicited offers, I also received some advertising today from Anthem Blue Cross, asking if I was
"Still looking for lower cost coverage".
Well, duh, these are the people I ditched because they would cover me only on some ultra expensive $600/month HIPAA plan with 5000 deductible and generally high expenses. Or I could choose their $800 or $1200 HMO plans, mind you.
Now they want to sell me some "ClearProtection Plus 5000" plan, for cheap? Does the marketing department even look at their own history of offering overpriced plans, or do they just send junk mail to everyone? ShouldI even bother with these clowns?
Follow
Befriend
1 comments
While making application to Aetna last Thursday, Dec. 8. Becoming a bit doubtful as to whether I was doing a good job, I pressed an option on the same page as the application which offered speaking directly to a person. Hooray! I was connected with a very enthusiastic man who said his name is Louis. I was desperate to get coverage, not because of a health issue, but for social reasons too arcane to be helpful in this chain of comments but to explain why I leapt at his claim that I would be confirmed as an active member in 48 hours. No email came as promised. As my cheery delirium lifted after a couple of hours, I became frightened. Since the phone option was on the Aetna page, I assumed that whoever answered was from that company.
As others have mentioned, Louis said there were no deductibles. I told him the name of my doctor and he said that the doctor was in their system.
Anyway, I could go on and on. Louis also said that I could retire from the plan in 30 days from the acceptance date.
At this point I am quite alarmed having read a number of complaints that the real policy is not what was represented...
I'm seeing a health insurance salesman whom I truly believe to be legitimate and hoping that the promise that I can un-enroll is at least one true thing.
Follow
Befriend (2)
33 threads
3,458 comments
Whoa, maybe someone was piggy-backing an advertisment for another (and suspect) company on top of the Aetna page?
You should at least call Aetna about this. They can certainly tell you whether you are a member of their plan or not.
Follow
Befriend (25)
413 threads
6,982 comments
Saint George, UT
elliemae's website
Educate yourself by searching "Limited Medical Indemnity Benefit Plans"
They don't cover everything - hence the "limited" part.
Follow
Befriend
1 comments
ABSOLUTE SCAM!!!!!!!!!!TOTALLY UNTRUTHFUL
Follow
Befriend (5)
31 threads
2,246 comments
Premium
justme says
cold call risk of scam = 90%
medical insurance risk of scam = 90%
cold call ABOUT medical insurance = SCAM SCAM SCAM
Don't give them any information AT ALL. Ask for the name and address of the company, ask them to mail you something, ask their phone number, and call the FBI.
Follow
Befriend
1 comments
I implore you to find an insurance carrier who doesn't require billing; because if you're as intelligent as the facade that precedes you, then you will indeed find that there are three legally binding components of an insurance contract:
1. Offer (made by applicant to carrier)
2. Acceptance (insurance carrier accepting to insure you at that rate for specific coverage contained therein); and,
3. CONSIDERATION (payment information)
Thanks in advance for your continued education on these types of questions.
John