Homeland Healthcare

Short version, I was promised all this coverage and got almost nothing. I was scoped top and bottom. It cost $900. They paid $50. I forget what I was supposed to get for my prescriptions. I never got anything for that. It cost me a fortune for basically no coverage.

I was accepted, despite them knowing my pre-existing conditions. The company took the payment, but when I needed bloodwork, and a doctor's appointment, they refused to pay. They have taken over $950. I have also sent in all the required paperwork they asked for, at my expense. I am very unhappy, and I hope it doesn't hurt my credit, as now I am late paying the lab bill. I have to pay these bills in full, out of pocket. My credit may be damaged, and I will have to look for another insurance company. It is also causing mental anguish.

I began coverage with Homeland in Aug, 2010 and ended coverage in July, 2011. I chose this company because I had a preexisting condition, high blood pressure, and was assured this would not be any issue. I filed my first claim in March of 2010 for a routine doctor appointment with blood work. My claim was filed and to my surprise, I was informed that I was not insured. Upon contacting Homeland I was informed I had been switched to another insurance carrier January 1, 2010. I never received an insurance card or insurance packet. I then received the new insurance card and refiled my claim and was then informed this company didn't accept preexisting conditions and would not be paying my claim which was for $166.71.

Choosing this insurance company was a big mistake. I paid $279.00 a month for a year and was denied a claim of $166.71. This company committed fraud by switching me to a carrier that would not accept a preexisting condition and not sending me the new insurance card and packet. They had no problem accepting my payments but took no responsibility for defrauding me.

Upon contacting Homeland regarding these issues, I was always given the run around. My final conversation with a manager at Homeland consisted of my being told "if you didn't receive the insurance package, take it up with the post office." That was the final straw. Dealing with this company was a disaster and a mistake. My overall experience with this company would be a zero.

I sent my money and received the cards and brochure. When I tried to use this "plan" the doctors office would not accept it or give any reduced price and the pharmacy was the same. I called to cancel and received a letter stating that some time latter. I waited a few weeks and called to ask where my refund was and they told me I didn't ask for a refund when I canceled but they would apply now. a few weeks after that I called again and was told that the policy was used twice so there is no refund.

Before you buy a policy from Homeland Health Care, be sure that you know you are not going to get back your application fee! Read your policy as soon as you get it to make sure this discount program is what you wanted. The dollar amounts for doctor visits were not the same as I was told on the phone. Some of the things I was told were accurate, but not all. Please ask many questions before buying and hope they are not misleading you. I called to cancel my policy and was told I would get a refund in 7-10 days. Let's hope this is true.

I work for this company and the thing you all need to know is that agents who sell you the policy are not part of Homeland Healthcare. We are the third-party who can explain the plan to you and we do process the payments. Before a credit and or debit card is charged, you have to agree to a verification phone call and they go over everything; even telling you that this is a limited plan and all the phone calls are recorded from the time you talk with the agent to every call you make to customer care and claims.

If you look into this, you can see that the department of insurance has never filed a suit against homeland healthcare and with the 40,000 people on a limited plan on Homeland Healthcare as the third-party admin, the limited plans that work for some people but not everyone.

If you had cancer and it went away and did not have a company policy, no insurance company will take your policy as you would be a high risk or you would have high monthly payment. With limited benefits plans, that same person would be able to use that for doctors visits, surgeries, labs, etc. The plan pays set amounts and the member pays nothing up front and they have access to the Multi-Plan PPO Network (a network that has been around since the 1980's) and would get the repricing rate up to 70%. If you are looking for insurance, ask smart question like is this a major medical plan or is it a limited benefits plan.

If you have a plan and are not happy with it, please call Homeland Healthcare's customer care departments and let them know you are not happy since nine out of ten you wanted a major medical plan. You call tell the agent you want to stop the plan and request a refund; it's that easy. I hope this helps you all.

On approximately 10/11/2011, my wife talked to an agent from this company. They pretended that you had to join a club for $115 to be insured, and then you pay $199 per month for insurance. She said that it sounded good so she gave them my credit card number and told me about it. I did some online research and found out that they are a company with a bad reputation. I called to cancel the order. They said that it had to be her. She called and they said that they canceled the order. They charged my credit card for $314 and credited my account for $199 and kept $115. We never received any benefit of any kind. And in fact, we canceled within 1 hour of her ordering the so called insurance. Since I received no benefit, I owe no money.

Stay away from agents who represent Homeland Healthcare. Michelle **, an agent in Florida (**), told me she was going to secure health insurance for me with Cigna. The next day, my checking account was debited twice, $369.00 to Patriot insurance in NY and $238.00 to Homeland in Texas. When I called Michelle, she said it was a mistake and she would cancel the debits and have them refunded. This did not happen. Days later, I called Patriot and talked to a nasty, surly NY woman. After I told her that her attitude was bad and I would be filing complaints of fraud with the NY Insurance Commissioner, she finally arranged to have my policy canceled and the money refunded. I am still waiting for the refund to go through. When I called Homeland to do the same thing, I was told that they had no record of me. Beware of all of these online companies, Homeland, Patriot, and their agent, Michelle **.

I have another update. I filed my complaint against Homeland Healthcare with Better Business Bureau and they sent the complaint to the company. They immediately refunded my money and apologized for the inconvenience. I do not know that this process will work for everyone but it's worth a try.

Just updating my initial complaint. I did some research and Homeland Healthcare in Allen, TX does not have a license yet. Their license is pending. Everyone should file a complaint with Better Business Bureau and your state insurance commission. There are websites for these places in your state. Maybe together, we can stop them from ever getting the license and get our money back. Good luck to all. Hopefully, someone will hear our complaints and do something about it.

I was browsing the internet to find health insurance. My husband had previously lost his and he had been laid off. I filled out a request to have someone call me from Homeland Healthcare. I received a call from a gentleman named Mike (has a Jersey accent and originally from Jersey). I made it very clear to him that I needed prescription coverage and I needed the medicines that my husband and I are on to be covered. He said he had checked and knew for sure that the prescriptions were covered. I knew these prescriptions were expensive (the reason why I needed medical insurance to pay for). He promised me more than once that they would be covered.

I felt real positive about the call with him and he convinced me they would be covered. I paid $498.00 for this insurance (Markel Insurance Company), the silver plan. When I received my packet in the mail, it was nothing like he had said over the phone. I had ran out of my prescriptions and went to the pharmacy to get them filled with my new membership card. The first time they ran my card, it wouldn't go through. I called the number on my card and they explained to me that they would have to run it again and it would --that it was a fluke that they couldn't fix. Second, the pharmacist said "this doesn't have your name on it". I said it had my husband's and it said member plus spouse (which didn't go very well with them). However, they accepted and ran it through.

Mike had explained to me during our phone call that all brand name medication would only be $24.00. Well, the pharmacist said that one was $600 and something and the other was $300 something. I was unable to fill them. Both of the prescriptions that I take are very important. I get very sick without them. I called Mike right away, he said he would straighten this out. He kept putting me off saying "give me 10-15 minutes" or "give me 20 minutes". Finally, he said "I will call you tomorrow morning". By noon, I had figured he will not be calling so I called him. He said I will call you back in a half hour. He finally called back a little over an hour later, I had missed the call and he left no message. I called him right back. He said there was no insurance that covered my prescriptions. I said I had an idea. How about they refund my $498 and cancel me so I could put that towards my prescriptions?

I was real sick at this point. He said, "that girl is really upset God" and hung up on me. I called customer service and they transferred me to a machine. I left a message and they never called me back. I kept trying, explaining what had happened and they would say it is in progress. I called the office where Mike works and asked to speak to a manager. He said, "what's wrong?". He wouldn't let me speak to a manager and every time I would call back, he would answer before a receptionist would answer the phone. I do not want anyone to go through this. One of my medications had 3 boxes, so the doctor sold me one box for $200 and we had to buy the other for $300. I have not received my money back yet. On the paperwork I received, it says that I can review the plan and cancel within 30 days and get a full refund. These all happened the same day it was effective.

As a recent widow I was in need of affordable insurance. My mother looked up insurance companies for me as I did not have a PC at the time. She called the 877 number for Homeland Healthcare and explained to them that I was widowed and also sick myself with a rare blood cancer and needed a policy that would cover my treatments. These people are good at misleading customers about the insurance coverage they will receive. It sounds really good. They've made an art of conning people. I purchased a policy called UltraCare Value. Basically, I was told the very same things that everyone else that filed a complaint was told.

Needless to say I was devastated when I found out that this policy would not cover my treatments. I called and actually did receive a partial refund and was told the rest is non-refundable. It is $115.00 they owe me. That may not be much to some but here I sit without insurance, no steady income, and no treatment. No one cares because everything is about the all mighty dollar.

I am writing this because I just read the other comments about Homeland Health Care. I just received my benefits package and for the money they asked for, it is not worth a hill of beans. I am going to call them to get a cancellation form tomorrow, but I am afraid that I will get the same run around as the rest of the people did. I just called my credit card company to cancel my card so they can no longer get any more money. I am unemployed and I am afraid that I just lost $348.00. Has anyone resolved this issue?

I took out a policy for my son who is disabled. No one ever spoke to my son because I took care of all of the business. The company really doesn't know if he is a real person or not and yet, when it comes down to cancelling the policy, they won't let me authorize it. My credit card number is used but I still can't stop the payments. Hippo is out of the window since the salesperson never spoke to my son to begin with. I am the one that had my voice recorded and not him. He never spoke with the company.

I bought this policy as a temporary, till my wife's insurance could take me on in September. The agent knew this when we got it. At the end of July, our premium was taken to cover the month of August. I submitted my cancellation form as instructed to but got charged again in August. I have been trying to call Customer Service and have been on a ringing phone with no answer for over 30 minutes. This is the customer service people. **? I really do not understand this. I just want my money back.

I got a call from an insurance agent who told me about this great plan, no deductibles, no co-pays. I paid $798.00 for plan for 4 (on credit card) but they did not send in any paperwork. I faxed the company, saying that we did not want it and were disputing the charges due to fraudulent and misleading information relayed to us.

I do not know anything about Homeland Healthcare and I did not authorize the $328.00 to be taken from my account. I have filed an affidavit with my bank to have my money refunded. Also, I had to cancel my debit card so no more money can be taken from my account. I have spoken to no one at Homeland Insurance, but would appreciate someone contacting me to refund my money ASAP.

When I called the 800 number, the Customer Service Representative acted strangely. I had no confidence that they would refund my money so I was forced, after all these years, to cancel that card and to report a fraud claim.

I can't find an address to match this number. I was called and offered a really good deal on health insurance after I lost my job with FCC. I needed the insurance since we have a lot of health issues and medications to buy. I talked with my husband and we decided the offer sounded good. We signed up and paid with a debit card. Well, the off was too good to be true. I went online and checked them out-something you should always do before signing up. The number of people scammed by this outfit is unreal. I am without a job and little income, but they don't care.

I called them twice and they assured me that it has been taken care of. They even cashed it a day before they said they would. I am overdrawn and they said they would refund my 32 dollars as well as the $283 they ripped off. My account is still the same. Nothing has changed. I feel victimized and I'm angry. I'm on my way to the bank to file a dispute. Let's hope someone with clout does something legal to stop this scam before they ruin lives.

This company completely misrepresented itself to me. They preyed on me as a person with an existing condition and haven't paid for any of my ongoing medical care! I paid them over $2500.00 for their "membership" term for nothing.

My husband and I have begun to research different health insurance companies because my COBRA plan will be running out soon. Since I have multiple sclerosis, it is hard to find a plan that we can afford. When I started researching on the internet for different companies, everyone started to call but I was denied by most. When Homeland Healthcare called, I finally thought I had found something that we could afford with decent benefits. I didn't pay the processing fee that they wanted but I told them I would call back in a couple of days after I had researched the company a bit further. In order to hold my spot as they called it then, they needed my bank name and my account number. I thought that was okay because they didn't have any other information. I first talked to them on Friday and by Monday they had pulled out $647 out of my checking account.

When I enrolled into a health care plan with Homeland Medical, I authorized a one-time only withdrawal for enrollment fees. On February 28, 2011, my checking account was overdrawn $150.00 by Homeland Medical. When I called customer service, they stated that I authorized them to take the money out; I didn't. I never gave a verbal commitment or signed any statement.

I realized in July 2010 that my Insurance carrier would not cover my giving birth (due in January 2011). I was contacted by Homeland Health Care and was sold a policy to cover my giving birth. I have had my debit card charged over $300.00 a month since August. Well, my husband and I went to the hospital on the 3 Jan 11 with labor pains and found out the next morning that Homeland Health Care sold our insurance to AIG and they cancelled everyone in California. No one from Homeland will call us back. On top if it, they never sent out cancellation notice and they have just debited our account again. Please help.

I had been denied medical insurance through Kaiser. As a result, I tried to find other medical insurance through the internet. Joe ** of Homeland Healthcare was the 1st to reply to my request for health care info. He described an insurance coverage plan and it sounded too good to be true. He told me that it was just like group coverage through an employer and that it was available because there are sometimes some extra slots available through companies (not sure of the exact quote, but this was the general idea).

I should have done my research, but I bought into the things this man was telling me. Even when I got the contract, it looked awful. I telephoned to find out what exactly would be covered. I was given the "run around" and told that they could not tell me until they received the bill from the doctor. I should have cancelled then and there, but I wanted to trust.

I bare much responsibility in this poor decision, but I was lied to as well. I will no longer trust sales people and I will do my research. This was a scam and it now will prevent me from applying for coverage through the state -- as an individual must be uninsured for 6 months to be eligible for assistance with coverage once you've been denied. As well, I have accumulated huge doctor and lab bills from my complete physical exam, which I thought would be covered -- I think they paid approximately $150.00 on bills that totaled over $3,000.00 -- this is an estimate. I had 2 test tubes of blood drawn, the total came to almost $2,000.00 -- They paid $35.00 towards this. Some of the bill for a mammogram totaled $268.00, Homeland paid $7.95.

I called for a health insurance quote and I received a real bargain--100% coverage for 404 months. Everything she sold me was a lie. I called to verify when I received a packet 10-14 days later about the different amounts of coverage. They stated that what was on the packet was the truth and what Karen told me was a lie. I then told them to cancel me. I was informed that for the cancellation to be effective for refund, I need to call five days before next payment. I called 20 days before the next payment.

Forty five days later, I called she said that I had to wait until they made sure I didn't use the insurance. Ninety days later, I called she said that I couldn't get a refund because I didn't cancel seven days after I enrolled. How can you cancel if you don't have a policy yet? I was told that I will receive the cancellation form in the mail because they won't cancel over the phone. I am unemployed. I am now stuck with doctor bills because they lied. I am out $404.00 and no insurance. I can't pay the old bills as well as the new insurance.

This is following up on my last post. I have received a refund for the policy amount $360 credited to my account on 8/9/10. I am still out of pocket $125 which HomeLand say they cannot refund as it is taken by the Agent. Their agents could be anywhere. In my case Dianna (agent) was in Mansfield Texas (see previous post for telephone number). The agent will claim that I agreed to everything as recorded. And that is true as far as it goes. However, as previously reported I was mislead, manipulated and deceived by the agents answers to my questions. Also she makes out like the recording is just agreeing to what was just discussed and to answer yes or no, but ask no questions during recording.

This is a scam! I do not care if they have found a legal loophole this is a scam. Or maybe gaining money under false pretenses would be a better choice of words. The policy is not health insurance beware! If like me, your unemployed without insurance at the end of COBRA etc. Go with the big names if you can get accepted/afford it or try your State option. Or like me go without in utter fear of being ripped off again! I am without insurance for the first time in twenty years.

Companies like HomeLand HealthCare need to be exposed for their operating practices at the very least. So, I guess that's it. The end of what I can do. I have followed up on here to encourage other victims of this company to keep at them for a refund you can get through, I scanned and emailed my cancellation form in. What you won't get back is the money for the processing fee which was extorted under false pretenses in my opinion.

This is following up on my previous complaint about this company. I am assured after many phone calls, speaking with their customer service (Sharon & Debbie) that my cancellation form was processed on 8/4/10. In fact, I was on the phone with Debbie about the matter when she said she has hundreds of cancellations and could not remember mine. She soon did when I sent her a copy of the email she had sent me acknowledging receipt of said cancellation form. I asked her if she knew why there were so many complaints, she said no. So I told her of the agents misleading tactics and manipulation and down right lies about the policy, and that in my opinion it was a scam to get the processing fee of $125.

I ended that conversation by stating that you have just told me that I will receive my refund for the policy $360 in 7 - 10 business days. I then informed her that if I did not, she would be hearing from my lawyer and that indeed I have already made public complaints online and to media and that hopefully law enforcement would soon be involved. In the mean time I wait. Then I realized I had the number of the agent. I called this number in Mansfield Texas it was 817- I asked for a supervisor was asked what it was about. Asked some questions like, how do you think the agent lied to you. I proceeded to tell them that I asked many questions and on receiving my policy packed found the facts to be totally different from what I had been told by the agent Dianna.

The scam is getting the processing fee. Look at all the complaints on Consumer affairs dot com and other sites. They go back at least a year. There is at least one new complaint made every month. These people need to be stopped in these days of economic depression and controversial health care concerns. This company and their agents are scamming money from people trying to find less expensive health insurance due to one reason or another. They are not looking for something for nothing but they, we have all been mislead by manipulative agents.

I can't really afford a lawyer but I thought there were stringent laws applied to heal insurance and the licensing of agents. Won't someone in the media or preferably in law enforcement see whats going on here and put a stop to it. How do those class action suits start? I now have no insurance as a result of HomeLand HealthCare and its agents. This is because I believed their policy would start when my previous coverage ended. Look at the articles on these pages. I wish I had money. I would do whatever I could to bring these people to task.

I have been looking for individual health insurance. Homeland contacted me several times, the female voice telling me she had one or two slots left in my state MD. The gist is this; I was sold something and false pretenses. I thought I had been very careful and asked all the right questions because I felt the offered insurance to good to be true.

After I was over to a billing person, they record me answering questions which after listening to what the sales woman had said I believed to be a technicality. I gave my credit card information they have charged me $485 my coverage was supposed to start this coming August 15th. I got the paper work/packet describing in print what I had bought in good faith. It was nothing like what was outlined and even when I had been directed to an online table/chart it omitted a lot of what is in print. The woman absolutely told me there would only be two cards, one for health the other for eye/dental in fact there are four cards.

On reading this very sloppy printed welcome kit I was horrified. This was not going to help me if I had to go to hospital I would only be compensated for a minuscule amount. When you look at the printed chart for their scheduled hospital payment its a joke e.g. "Excision, breast lesion $115". I have called them this morning and was told to email in the cancellation form, which I have and they acknowledged receipt of said form. Sharon told me the supervisor was in a meeting I asked her to have them call me today about when I can expect my refund for the full amount. I have emailed a similar request to their customer service email address and to a women called Deborah who acknowledged receipt of my cancellation form and email.

I had to have my credit card number changed to make sure they cannot continue to take funds as I do not trust these people. Online there is a plethora of complaints about this firm. They should be taken to task. Do not use this company. If it seems to good to be true , it is. I wish I had listened to myself. As of 1 30PM on the day I have phoned and emailed them. I have only had the cancellation form arrival at their office confirmed. I am pursuing this and will advise further.

I have been trying to cancel my policy and was told via email I need to fill out a form. I have trying to fax the form, in fact, I faxed it 8 times in the past 2 days and the two numbers I was given have been busy. I am now trying to send it via mail and will send another tomorrow registered mail.

I was told that this was a real health plan and when I received the information, it is actually a discount plan. There is virtually no information regarding the benefits of medical insurance. They also said that it was United Health Care and it turns out to be this Homeland Health Care. They were fast talkers and said that the open enrollment would not last long. They said prescriptions were $10, but on the card it says $10 or 50%.

It does not say anything about what they told me such as 70% off and then a $50 benefit on top of that; it does not state that in the paper work. The people told me that it was eight doctor visits and the policy states five per year. They told me that the plan paid for tests and x-rays but the policy says it only pays $25 for wellness and preventive, not anything else. They did not say that this was a wellness policy. I paid $218 for the plan and a $75 enrollment fee that would not be refunded.

Two high-pressured telephone salesmen sold me a plan that, in actuality, covered almost none of what they promised that it would. What happened was this: I provided my phone number to some sort of online insurance company broker. Within minutes, I received several calls. Homeland HealthCare was the only company I ended up speaking with. Diana from Homeland HealthCare took some basic health information, then asked me what kind of price range would be reasonable to me. I told her that I needed a good quality plan that would provide reasonable coverage of typical expenses- doctors visits, surgery, etc. She claimed that what she could do for me is to enter my information into a database that would search all of the plans available to me.

After claiming to do that, she gave me the description of a plan she found for me. To make the long story short, she described this plan to provide all of the coverage I could ever need, that is, she made it sound like a decent policy. She also spent a long time convincing me that I wasn't going to find this kind of deal anywhere else. The whole time I was very skeptical with her, repeatedly asking her to describe explicitly what kind of coverage it provided for each type of expense, and she repeatedly convinced me that this plan did fully cover (other than reasonable deductibles) all major medical expenses.

She also reassured me by telling me I could cancel this plan at any time, and that I would have thirty days after receiving the paperwork describing the plan to to review, and if I so decided, to cancel the plan with a full refund of the first month's premium. Finally, I accepted the plan. Diana explained to me that I would be run through a recorded confirmation, and she instructed me not to ask any questions until after the recording. She also essentially "interpreted" the recording for me, basically making it sound like the words used in the recording are all just technical semantics, and that they indeed did state what she had already described to me- that I would be agreeing to pay for a good quality insurance plan that reasonably covered all major medical expenses, and that I would have thirty days to cancel the policy for a full refund.

I told her I had some questions, at which point, she transferred me to her smooth talking supervisor, Jay, who again reassured me that this plan had all of the features I was looking for. I completed the recording, which consisted basically of stating "yes" after they asked me if Diana had explained x and y to me. The truth was, Diana explained x and y to me, but I later found out that her explanation of "x and y" was in fact nothing but lies.

After completing the recording, the person I was on the line with essentially said thank you and have a good day and hung up. The paperwork describing the plan didn't arrive for over a week. After opening and reading the paperwork, I realized that the plan I was sold was nothing like what I had been promised. I realized that Diana and Jay had deliberately mislead me and outright lied to my face. It wasn't until after I got the plan that I realized what the words "limited benefit" really meant. They had convinced me that limited benefit plans actually provided more comprehensive coverage than a major medical plan. In reality, the "limited benefit" plan I had in front of me covered almost nothing. For example, they said that surgeries would be completely covered, but in reality the plan only covered one surgery per year for a maximum coverage of one thousand dollars per year.

Needless to say, I was upset and frustrated that I had been lied to. I called customer service demanding either answers or a refund, and they gave me neither. I finally ended up speaking with the "supervisor" who also happened to be Jay, the man who originally sold me the policy. He denied the possibility of him or anyone else at the company ever misleading me. He would not take seriously any of my complaints, and insisted that they had been completely honest and straightforward during the conversation. I brought up specific lies that he himself had told me, and he said, "I don't know exactly what was said during the conversation, but I do know that we have a recording of you agreeing to the plan and the cost."

When I asked for a refund, he told me it was impossible to refund the "non-refundable $75 fee" and that because I hadn't cancelled the plan by the effective date of the plan, I couldn't get a refund for the first month's payment. At this point, it was obvious Jay was not going to admit any wrongdoing, and that he wasn't willing to give me any refund. I asked to speak with his superior, and he told me he didn't have one. He told me he was the president and director of the company! I said, "So the president and director of this company is also an insurance salesman?" and he said "Yes, that's right, you're wasting your time, you're not getting a refund, so get off my line!" This conversation took place yesterday, so I'm still unsure of how it will play out.

I haven't received any refund or even a confirmation that the plan was canceled. I still have not been able to reach any superior to Jay. In summary, it's now clear to me that Homeland HealthCare is in the business of ripping people off, and they by no means, meet the reasonable man's definition of a fair and trustworthy insurance broker. It is in your own best interest to never trust Homeland HealthCare, and avoid all dealings with them. They will tell you every lie they need to get your money.

Homeland Health Care was very prompt about returning phone calls at first when they were soliciting me to sign on but once they got my money they no longer answered nor returned phone calls nor emails. The agent assured me she would handle my case herself individually and would notify me 2 weeks prior to payment dates so i could pay by check but then they automatically deducted it from my card without my authorization or consent. Feel like I have been conned into a scam and then they do not respond or they act like it's your fault. $219.00 taken from account with no contact.

I began insurance coverage with Homeland Health in June 2009. To date (May 2010), they haven't paid one cent toward any medical expenses. I found a doctor on the plan, understood that I could go for a check-up after the first month of coverage (but I waited until Nov. 2009). Now everytime I call, they have some excuse as to why this or that isn't covered by my policy. I wish I had saved my $189. a month to pay toward my medical expenses. As it is, my bill has been turned over to a collection agency because I was counting on something being paid from my insurance company. Bad choice on my part!

I was railroaded into the insurance. I never confirmed the insurance at the time I discussed the insurance I told them to cancel on the 15th of October. They took the money out my account the same day and refused to returned. Today I received a policy from these folk. They stated the only way I could get my money was to call, email or fax these folks. The fax did not work the email did not work I will send by certified mail today. The insurance appears to be no good at all. I am unemployed, have no medical insurance and has been taken for $339.

I took out 3 policies 8/11/09. Canceled all policies 8/14/09 and sent required forms by certified mail. A refund on all policies was due. Instead, another bank draft was taken on 9/11/09 and they will not return my calls. Their cancellation from states that all forms must be recieved no later that 5 days prior to you regularly scheduled recurring billing date (which is 9/11). The forms were cent by Certified mail on 8/14 and recieved by Homeland HealthCare just a few days later. I have all paper work to prove that everything was done as directed. Please help me. One policy premium was drafted from an elderly person's bank account, living on $890.00 /Soc. Security .The amount was $184.00. $638.00 has been drafted.