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So glad I took the time to read reviews. Why is Healthcare.com allowing this huge scam to go on under their name? I called them directly only to get a Daniel ** at ** to assist with this scam. He had me believing that for $200.00 a month I would have all the "insurance I needed". He was almost licking his chops trying to get me to give him my card info. I thought this is way too fast of a talking guy and that has got me in trouble in the past and of course he couldn't guarantee that if I didn't buy right now that I could get this deal later (like tomorrow). He bluntly asked me why I wasn't buying today and I told him I never make quick decisions. Always take a day or two to check things out, think things over. That wasn't good enough so I made up another excuse that I needed to see what my employer had in store for me this year. I am so glad I read all these reviews. Thank you all for the advice. Appreciated.
If I could give a "0" star review for this so called health insurance company, I would. First of all if you do not what they are providing you they will talk to you like you are dumb. Secondly, I was oblivious to think that this "health insurance" company would provide me with all the coverage I need. Luckily I cancelled before they took more of my hard earned money. These health company or whatever they are, are absolutely HORRIBLE. Stay clear.
If you are shopping for an affordable health care plan, DO NOT LISTEN and definitely DO NOT GIVE YOUR CREDIT CARD info to those scammers on the phone. I made the mistake of entering my data in obamacaregov.org and right away got calls from the so called independent agents. They tell you on the phone why they are cheaper and can sign you up, even do a mock check of your health status, congratulating that you are entitled to that affordable plan but that plan is only valid today (SIGN NOW! of timeshare salesmen comes into my mind), they claim it is a 100% money back guarantee. After getting the second call (they refuse to sent me a contract first per email so I declined the first) and hearing the exact spiel, I am sure that this all is a scam.
A couple of months ago my husband was shopping for health insurance because the insurance offered through his employer is exorbitant for a family. He came across this company and he was told that they offered PPO insurance that would accept our current doctors. This was imperative for us as we have a child experiencing a chronic illness that requires multiple monthly doctors visits to a variety of specialists.
We paid the first payment and waited for the cards and policy information to come in the mail. I was expecting the signs of a legitimate policy to materialize, such as a book within network doctors, etc. When the cards finally came, I was immediately alarmed by what I saw. A "dental" card that required an additional $50 payment after a "free trial" and a discount prescription card, as well as a discount medical card. What the actual hell?!?
At this point, I was really concerned and talked to my husband and he reiterated that he was told that this was PPO insurance. The cards we received clearly stated "this is not insurance." So now I'm pissed, I googled the company online and came upon this website with multiple stories similar to our own. I then proceeded to cancel my child's cardiology appointment scheduled for that day. I now have to rush to find legitimate insurance prior to the next specialist appointments or I will have to cancel those as well. I am incensed! We have already paid this company hundreds of dollars for what only amounts to a discount program. I will be filing a complaint with the FTC immediately and I suggest that anyone else who was scammed by them do the same. I am appalled at their unconscionable behavior and they should not be allowed to be in business, in my not that humble opinion.
Cardinal Choice Insurance - This insurance company is a joke and the customer service is terrible in almost every way. The only time I got them to tell me what coverage that I had was when I cancelled the policy. The agent did not even tell me that what I was purchasing did not even meet the minimum coverage allowed by the government, I will still be taxed even after the purchase of this insurance. So my lesson is that it is better to get in touch with a real insurance agent and have them explain the coverage that you are purchasing. That is what I am going to do.
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This is A scam. They tell you they are Blue Cross Blue Shield. It is A lie. I received insurance cards cost 200.00. They Refused to give me my money back. They hung up on me. Very Rude! Also the phone number on the card is not even their company! I had Doc office call this is when I found out! So Reporting them as A total SCAM!!!! They go by Cardinal Choice as per the card they send you!
I am not sure what to call it exactly but the entire thing was a complete joke. My top complaints include; Insurance agents and management lied about the coverage over a recorded phone line, not small details either but actually told me I had dental and that turned out to be a lie later when I was told by another associate that it was not part of the coverage I had with them. They would not send me any email or details of the coverage until I would make a payment so by the time I figured out how horrible the whole thing was, I was out of $200 that never got it back nor did I receive any medical care or services at one time because I couldn't find any clinic in network.
They have now changed their name to Peace of Mind Health Solutions. BEWARE!!! 0 friends, 1 review,1.0 star rating 2/6/2017 SCAMMERS!!! Please beware! I called to sign up for insurance and spoke with an Ian, he assisted in explaining that this company was partnered with all the major health insurance companies and that they assist in getting good rates. I asked for information on the plans, he asked my price range, and some doctors that I go to, to see if they were available for the coverage, and Ian explained the PPO plans in my area. After stating that was a bit too high for me, he then recommended their personal plan which I was told was a total of 227.95 per month that included dental then they mentioned an $170 enrollment fee. They also had my doctors in the network.
After stating that was a bit too high Ian then told me he would waive the enrollment fee for me. I added vision, and it came to about 256.95 total. I explained what I could afford at this time, I was then told they could take installments. He told me then they could break down the payments and they would take 214.95 today, and then take the rest 2 weeks later. I then waited almost 2 hours for "verification" while waiting he told me the questions they would ask, provided me with a contact phone number (866-205-8046) for customer service and said they would be there to assist with any issues, and mentioned a 30-day refund. He then gave me a policy number and stated no one could speak to me about my policy, without providing the number to me first. The phone hung up, I was called back from a Florida number (**). It was Ian.
I continued to wait patiently then verification came on the line the agent never stated her name, she only stated she was from the "verification team" she proceeded to verify the information with me on a recorded line, when we got to the pricing part, the total amount I would be paying today, was 298.95 I told her that was incorrect, as I was only supposed to pay 214.95 (this is when it was fishy). I then asked her how 298.95 minus 214.95, equaled the amount I was scheduled to pay 2 weeks later, the difference was in fact more. She then brought Ian back on the line, and he proceeded to tell me that there was still an enrollment fee and to take note that he was able to save me money on my policy. He proceeded to tell me that I would be required to pay this amount because he did this for me.
I thanked Ian for doing what I thought was HIS JOB (finding me the lowest price possible) then I explained, that I was not willing to pay a cent more than what I was initially told. He then said he didn't know if he would be able to get this removed, I then explained that I had been waiting for 2 hours, and he failed to mention anything about this additional fee for enrollment, and I was clear on what I'd be paying and I refused again to pay any more than 214.95. He then told me he would get the fee waived. The verification specialist came back on the line and verified the correct price. We proceeded, I was scheduled to have coverage at 12:31am EST the next day and receive my insurance cards via email. The next day I went to pay my credit card and I noticed a declined amount for 298.95 (they tried to take the larger amount).
Luckily, I had only placed in what I was willing to pay, and the payment was declined, I proceeded to call 866-205-8046 and I spoke with Andrea (she did not state this policy number), she then told me they did charge me the incorrect amount she does see where the error occurred and it must have been a discrepancy with the billing department. She then told me she would call me back in 15 to 30 minutes, to find out what happened and explain and assist me further. I never received a call. I then began receiving calls from local numbers and out of state numbers ** all asking me for heath care, when I told them to stop calling they just hung up and called back.
The next day I called the number back and received an immediate voice message "This is Peace of Mind Solutions we are currently closed, our normal business hours are Monday through Friday 8am EST." This was at 10am on a Wednesday morning. I called back, same message, I called the number Ian called me from, same message. I then googled "Peace of Mind Solutions" I found 5 complaints from the BBB regarding a number which I called and guess what? Got the same recording! Similar if not worse experiences than what I had endured.
I then found out that their coverage is not even legitimate, and they do not provide refunds. I called again the second day, same voicemail message, all Day. The following week I called again and got through. Guess what? They were using new names (no policy# given again)! Luckily I was able to change my card information and that payment did not go through. Hopefully, this can help someone else before they get scammed! Please beware of this company!!! They are A FULL-TIME SCAM!
I should have come to Consumer Affairs to review this company before I went forward. I've worked all day to try to find individual health care coverage in Arizona. I went to websites of major carriers - Anthem Blue Cross, Aetna, Cigna, etc. and was redirected by each of them to a telephone exchange where there were supposedly licensed insurance brokers to help me find appropriate coverage.
I'm a cautious person - I was very careful. Just like other reviewers here, I asked for a website that I could review the details of the policy terms and conditions - I asked for information to be sent to my email address for me to review before buying. There were always reasons that I couldn't get the actual specifics in writing - only over the telephone - and it was stressed that I would be able to have a period of 30-days to review the materials and cancel if I wasn't satisfied or everything wasn't as described. It all seemed just slightly fishy.
But after trying for hours, searching major insurance providers for options, and getting "Multiplan" recommended by numerous supposedly independent and licensed insurance brokers on the telephone, I was talking with a person who seemed by far more knowledgeable than others earlier in the day, and I went forward with her so that I could learn more about the details.
I asked A LOT of questions - she referred me to an expert to help with answers - and then back to the broker to finish up. I decided to go ahead and get the information and see if the written policy was "as good" as represented verbally. THEN, they started putting me through the "car dealer" treatment... leaving me on hold for long periods as they transferred me through three layers of verification of all the information and taking my credit card number. They kept repeating things over and over and wearing me down to the point where, after about an hour of this, I was tired out and just wanted to get it done. However, as I kept listening to the "fine print" and being asked to state "I agree" to things that I hadn't previously been told or understood. But, if I asked a question, they would stop and restart the entire recording process, so they told me not to ask any questions until they finished, so as not to interrupt their multiple recordings.
I became more and more alarmed. In response to an "I agree" question, I finally said that I wanted to cancel the whole thing, as per the initial representations that I could cancel at any time, which they had said was "starting now." They immediately transferred me to the "Compliance" guy, and he proceeded to berate me for more than 45 minutes, calling me names like "stupid" and saying that I must have "turrets" - that I was talking in circles and making no sense.
When I said I simply wanted to cancel, he asserted that the carrier (who was part of the Federal government) would not allow me to cancel unless I could give satisfactory reasons, to him and the carrier, and they would decide whether they were willing to accept my reason. I explained that I simply wanted to cancel because I didn't like the way I was being treated and I didn't like the company - he said that I should know that I was talking to the Federal government and they didn't care... didn't I know that the Federal government and Obama Care make the rules and they don't need to care? It was all getting pretty crazy - he even accused me of not caring about ISIS... what? And he said that he wouldn't allow me to cancel unless I could give him the exact name of the insurer, and he would bet that I didn't know the name.
Finally, after more than 45 minutes of abuse, I said that I would have to call Visa and ask them to cancel the transaction if it posted to my account. He replied... "Go ahead... there is nothing that Visa or you can do. We have recorded everything that you agreed to, and you are stuck", and he also said they have done this to others that tried to cancel a credit card transaction. AND HE SAID THEY ALWAYS WIN because they have great recordings of every stupid thing that I said.
I'm still shaking as I write this and I'm very emotionally distressed and upset. I finally just had to hang up the phone... this guy was going to stay there and continue yelling at me until I caved. I truly believe that this is a complete shake-down - if you ask and they refuse to cancel, they get your first month's payment, at minimum, and who knows what happens after that. I never post reviews (I think that is a risk), but in this case, this was behavior so unconscionable, I had to try to help other consumers figure this out before they get hurt like me.
The person who I spoke to told me my premium would stay the same until I turned 65, and I would receive life insurance. I would have to pay a one time fee of $306 for administrative costs. I asked for a email or fax of what the plan covers and he said he could not give that to me. He asked several times for my credit card, I told him I would have to talk to my husband first. He wanted me to get him on the phone. When I told him that was not possible he again asked for my credit card so that he could hold my spot in the plan. I told him no, I also said I was reading reviews and asked if the $306 was for life insurance, after a long pause he said no. I checked with my state and this is NOT major health insurance. I am glad I saw these reviews.
I have a very similar experience with this "great insurance company" but on top of everything my agent sold me a life insurance policy without even mentioning even a single word. She explained the $160.00 charge as a one time enrollment fee. The only one reason I even found out about it was that after reading all the reviews and doing some researches I decided to cancel my health insurance and called HII directly. After 46 min waiting on hold I was told that I only had 10 days to cancel my life insurance policy! I was in shock. I end up filing a complaint and escalating to the next level so they made an "exception" and refund me my "one time enrollment fee" (been waiting for two week now). So PLEASE don't sign up for this scam!!!
I was shopping for cheaper monthly premium than what my employer offers, this insurance broker called me offering $305 monthly premium for me and my wife and tells me I have $0 annual deductible and basically all kinds of doctor's visits, routine exams, hospital stays, etc. covered at 100%. The insurance company is "Companion Life" and I would have to mention "multiplan nationwide PPO" when I call my doctor. I usually raise my eyebrow when something like this sounds too good to be true but I still went ahead.
At the final step of signing the application, I read "This plan is not insurance and is not intended to replace any major health insurance" so I started asking more questions and of course led to more truth. Luckily, I caught it and thanks to users review on this website, I didn't sign the paper so hopefully my card won't be charged. The caller sounded smart enough to find a more productive and fulfilling job rather than cold calling all day lying on the phone and losing morals every day. May god bless him.
My story seems to be the same as everyone else... EXCEPT they asked me for my SS #, My husband's SS #. No one else has mentioned if that was their experience. In less than 12 hrs My bank fraud dept cancelled my card to stop all charges so they would no longer have my banking info. I'm more concerned they have my SS#. So now was instructed by bank to report them to credit bureau which I will. Very mad that I fell for scam.
Well, I had work as salesman for Health Benefits Center that represents MultiPlan PPO network and all carriers, and is a totally fake. People that get this insurance will never get what they are told. Actually any of those insurance has the minimum coverage required by the government and the people will be penalized by the end of the year by not having a real insurance. None of those carriers cover hospital, not ambulance coverage, not inpatient or outpatient facility coverage, not medications. Everything a lied and the maximum cash benefit will get is just $50.
I took this so called insurance out Nov 2014. John ** said "if you stay in ppo network you will be fine." I paid 339.00 up front. 100.00 for membership. I used the insurance in Mar 2015 for outpatient surgery. Got the bill. It was over 5,000.00. Called Freedom Life. They don't pay for outpatient or hospital at all. So I argued with the woman. So I said I been scammed. It didn't pay a penny. So the dr said I needed surgery that couldn't wait. On June 1 had surgery. This time it applied 3,000.00 and now I owe over 20,000.00 in bills. So this is a rip off and a scam. I sent them a notice on July 13, 2015 that they better cancel all this insurance NOW. So it looks like I'm going to have to file bankrupt because of this so called great insurance.
The sales person lied to us and showed us how we can even end up getting refund from hospitals or medical provider. The most thing bothered paying almost close to branded health insurance company. Medical provider don't even recognize them. Not to mention one of the medical provider laughter at me. It was insulting for me and my family. $10 discount on doctors visit??? Paying over $500 per month? When I found out I took my family out of it and they did not cancel till billing cycle ends? I did not use the insurance card. I think I deserve a full refund please.
This business is a joke. They are a very shady. Was told that this was insurance that you could use to see a Dr any time you wanted but come to find out you have to call a representative to have the call and find the best price before you can ever see anyone. This is a joke - when I talked to the agent. She was informed me that this was a Gap basic/accident policy... so it is basically useless. Sure learned my lesson the hard way. Now to see if I get my money back.
I called blue cross blue shield looking to purchase health insurance. I thought I was at first speaking with a representative from BC/BS and realized that I was speaking with an agent who told me that they were affiliated with Blue Cross and was a group insurance so I would get a group rate of $390 plus joining fee, to cover my son and me. They told me this plan came with dental and vision. I thought it was inexpensive because it was a large group I was joining therefore I wouldn't be paying an individual rate. Like the saying goes, nothing is too good to be true and this was no exception. After joining by automatic check they switched me over to sign papers verifying that I agreed to the terms. Again, that twinge of something doesn't feel right and relayed my concerns to them. I saw in on one page that Multiplan ppo wasn't a major medical company in accordance with ACA.
When I questioned it, I was told that was because they didn't cover maternity expenses. But they assured me my doctors and hospital were participating providers. They even knew the name of one of my doctors, (I shutter to think how they got that!) Ignoring my gut, I signed. I woke up in the middle of the night not feeling good about the transaction and began a more detailed internet search and I came across this site and began to read all of the complaints of experiences just like mine. I immediately called at 9:00 sharp to cancel as I was told I had 30 days to cancel. First, I was given a customer service number that disconnected at first ring. I asked receptionist to connect me. I got a person who told me his name was **, and I explained that I wanted to cancel the policy. He told me because I just joined, my paperwork was not in the system and I had to call the person who sold me the policy.
I told him to transfer me and was put on hold for half an hour. I called repeatedly and the representative was "always with another customer" and would call me right back, which he never did. I finally got through when I got to speak with someone because I told them that I wanted to add another person to my account. When I got a live person I told them that I wanted to cancel and she repeated that I had 30 days and I didn't need to rush. I told them I wanted to cancel immediately and AGAIN she verified my information and she would put a request in for my cancellation. I said, "No request, cancel me NOW!" Then she said the request was in and I would get an email in a couple of days.
I said I want verification immediately and then I was given another number, spoke to someone else who told me they get a lot of requests and it would take time and in a couple of weeks, they would credit back my account (which they took out of my account immediately). I went to my bank and told them the entire story and because I came to them right away that although the money was already withdrawn, they would put it back for me within 24-48 hours ($544.80) and I filed a fraud report. The bank told me when reviewing my statement, a big giveaway of fraud was next to their name on them my bank statement was their phone number. Legitimate companies do not put phone number next to the company name transaction.
So in the long run because I took quick action and went to my bank I was able to have the bank give me back my money. If I'd waited for them I most probably would have never gotten my money back and they could have withdrawn even more money if I didn't realize until after the month review period. PLEASE, save yourself the frustration and the heartache of being ripped off! RUN as fast as you can from these people. I never thought I would ever fall for something like this, I am always super cautious. But they got me. So grateful that I didn't wait any longer to follow my gut!
I have been with Anthem Blue Cross since 2007. I had the Smart Sense plan. Seemed to work well but every year they raised my rates and deductible to the point of not affordable. So after 8 years I shopped and found a website online for Multi-Plan or something. Sold me that I could save money and they were a PPO plan with Dental insurance. They looked up all my MD's and they were in the plan and I even had RX coverage for a 200 per month savings. I requested the plan coverage guide which they never sent. I have requested for 2 months.
I went the Chiropractor and the front office manager said the plan is terrible and I had a discount plan only. So I was paying for nothing. Every time she called she was giving different coverage amounts. First I was covered with a 50 percent discount, then I had 3 visits and 1 exam per year. It was confusing to both us. Then I called again and was sent after demanding some chart in writing that I have on file that is completely different than what I was advised and also what was quoted to the office manager at the MD office.
The plan is a scam and now after discussing with a broker I don't even have insurance and don't qualify legally that I have insurance under the IRS guidelines. I also had to pay an application fee of 163 the first month. I was ripped off! I now am told my Mammogram I don't have wellness coverage either! This company should be of business!
This company will call as U.S. health group and try to get you to pay a $99 application fee and will quote you the lowest health insurance premiums but won't mail or email any documents - can we say RED FLAG 101. Any legit company will have no issues sending you some type of information to read and if they say they have none or it will come after they get your cc info then they are really only interested in your credit card - these guys are great cold callers though - you can tell a lot of $$ goes into training them on how to use key words that will allow you to trust them.
While my husband already gave his acct info but was still on line with them I started doing research and fell into a dark abyss of complaints and horror stories of seniors getting screwed by homelands AKA US HEALTH GROUP - so he immediately informed them we will not be moving forward and to cancel the app & 99/fee while I was already on the phone to our bank changing his card info and paying any fee needed to ensure these companies could not withdraw against our bank. The min my hubby said to cancel the rep got a total attitude and passed phone to a "manager" who ultimately called my hubby a ** and hung up on him - however this was after the first idiot had already given their direct lines, not the brightest crayon in the box are we ** - yeah you morons - we called you out. You guys are obvious scammers and I may not be around to witness it but I know for a fact that karma will be knocking down your door soon enough.
It's one thing to go after people like us in our 30's but to go after people with families or retired senior citizens since they are easier to mislead - that is disgusting. You must not have mothers, fathers or grandparents - and if you do better hope they don't get a call from us health group or homeland healthcare - or is that part of the training process? Ok new employees make sure to go home tonight and warn everyone you love and know to never accept the crap you sell -- I bet it's even in the orientation packet or training schedule.
Y'all should be super stoked that you have chosen a career that allows you to be proud of what you accomplish each day - "HONEY I’M HOME - I have great - super productive day today - I was able to cheat hard working Americans out of their hard earned $$ and offer them in return nothing at all except a few lies - I cheated 7 to be exact - ahhhhh it was a great day - now what's for dinner??" Scumbag pie - that's what Douches.
I have received a call from this company after the death of my husband. I was told all the great benefits. Now with them not covering my health needs, I am in debt to hospitals for over 6,000 dollars. I have tried to cancel but still have them taking money from my account. This has been very devastating to me financially. I wouldn't recommend anyone dealing with this company. Today I called to cancel. The women said she would have to transfer my call to get the information. When she came back on, said that department was in a meeting and she COULD take my information. So I've paid for Nov, Dec, Jan. Looks like I may have to pay for Feb. Going to go to bank and pay them to stop paying this rip off company.
I am looking around for health insurance and got a call and great offer from a guy called Alex from "Prime Nationwide". The deal just sounds too good to be true. I looked up the insurance company, they told me that I will be enrolling called "Multiplan PPO", and got linked to all these complains related to Homeland Healthcare. Essentially, they told me exactly same things as what others experienced with Homeland Healthcare. No deductible, monthly payment of $456.05 for a family plan (I originally quoted only for my husband and kids, and later I asked if including me, they said no premier increase, sounds really too good to be true), an enrollment fee of $170, and asking for my credit right away. This alerts me as I said I have not even seen the detailed plan yet, how come they need my payment right away? So I told them I need to check up their credential first before giving them my credit information.
I am glad that I did this first, and found out this most likely is a scam. I don't know if they are the same group of persons, just using different company names. The guy called me, told me his company is "Prime Nationwide". I definitely will not sign up with them. Sometime things too good to be true, usually is not true. Hope others who did sign up with this company can share their stories with other consumers.
Homeland Healthcare never sent out any policy information for me to review. I called to cancel the policy after finding medical insurance elsewhere due to no information received from HHC after the application process. No full refund was given by HHC. I phoned customer service to cancel the policy. The phone call was supposedly being recorded - GOOD! I explained there was nothing received from HHC as far as a policy by email or by postal. I had moved on to seek alternative medical insurance since I felt I had been scammed by HHC. In the conversation with HHC to cancel the policy the representative hung up the phone on me when I requested a supervisor so I can obtain my refund. They said they would give a partial refund to my Discover Card. Why a partial? I received nothing from them. It’s called "cause and effect". You scam me - I cancel.
This is a poor substitute for health insurance. Preminum are removed before due dates. No refunds. No information given to individual about the plan or restrictions. What happened to quality.
FACT: No provider in this country can legally offer a plan or enroll a member outside of the national four month open enrollment period which runs from November 15th through February 15th! I was enrolled outside of this timeframe, discovered nobody I went to was in the network. A frustrating call to their hotline revealed that anyplace I went, this would pay only the first 75 bucks and if by some miracle I went to a provider in this phantom network, nobody could tell me what the discount or coverage deal would be since every provider contract was different. I probed further asking what levels of coverages even existed as provider participation options and got no answer, just an offer to sign up as a provider which I am obviously not. OMFG how does this place not get raided by some governing body of compliance agents??? Does any government regulatory bodies exist that do anything in this country anymore? Page after page of consumer affairs posts is not enough evidence to warrant shutting this scam down? ** Christ! This is as blatant as shooting a cop in a police station!
I cancelled my plan today. I asked for a refund and was told no by your customer care representative. Now I know why they want payment before you can see what the benefits really were. Then, they have the audacity to charge a non-refundable enrollment fee. News flash: you have to refund every dime of people's money when you are guilty of misrepresentation, i.e. fraud. I will be reporting this to Consumer Affairs, the BBB, and the Federal Trade Commission and have my bank go after this company as well. There are enough complaints which are comprised of the same issues to validate an investigation.
I tried to make a doctor appointment for my sister and when they ask me what type of insurance she had I told them Homeland Health Care and they never heard of the company name. It's not in the system. Then I look and see that there are all types of complaints about this company. I have been paying my health insurance with this company for 5 months and haven't gone to the doctors yet so what do I do now? I've talked to your representative and they haven't told me a doctor that I can go to.
I was seeking insurance and came across this company. I was told I'd have coverage on 9-1-14. That wasn't true!!! I was seen at an urgent care and the doctor wanted to send me to the e.R. for further evaluation. I called the number on card to try to find a hospital that I could go to...no luck!!! Left name and number and was to get call back in an hour. That never happened. This urgent care visit was on 9-19-14, I got a call back on 9-22-14!! To my surprise I'M not covered until 10-1-14. I wasn't told that. Another red flag is I tried to register online in hopes to find a hospital within that hour...again no luck! The number on card meant nothing. I could not register at all. Oh!!! The first incident was a week or so prior to this....went to urgent care, they couldn't find this company. I had to show them an email the company sent that had urgent care that they use....do not give any information to this place.
Initial agent lied about prescription coverage, stated my primary care physician accepted this coverage and did not advise that automatic deductions were required. Avoid this company if you value your sanity. After over 75 communications, I finally filed a complaint with the Texas Insurance Commissioner. This is a company of Representatives trained in deception. BEWARE.
I signed up for AWA insurance under Homeland Healthcare under the pretense that my prescriptions would be less expensive than I currently pay without insurance. I currently spend a little less than $500 per month on medications which keep me working and playing like a 30-year-old despite arthritis in spine and hips due to old MVAs. Let me be clear, I am not looking for a handout. I am and always have been a functional, hardworking, society contributing, tax paying citizen since I was of legal age to become employed and to pay taxes. That being said, I was mislead by the sales person who sold me the insurance and told me I would pay 50 to 70% less per month on these prescriptions and in addition, I would be able to see doctors as needed. More details were given but space here is limited.
I first noticed the incongruencies at the pharmacy. The Pharm techs and the pharmacist told me I would pay more for ** with the insurance, which only provided a discount card for prescriptions, than I normally would, without insurance (the sales person specifically looked up my 3 drugs and quoted ranges in price, all not true). I returned home, called AWA with the 1800 number and they answered my questions re: doctor visits (they only pay for refill visits, not "sick visits") re: ER visits (they do not pay) but I was assured that they pay up to $2500 for surgeries. So I tried to think of a surgery that cost that little. I came up with mole removal... I politely declined staying enrolled in the program and was refunded my one month premium in good time yet I feel I was cheated and lied to by the vendor. I want my $99 back for my fraudulent phone call.
Signed up with insurance January 6, 2014, paid $277.00 from debit card. I was told by DOUGLAS If not satisfied I could cancel and get my money back (within 30 days). Insurance went into effect the 15th @ the 21st, I canceled (not right for my needs). Asked for my refund (@277.00) and was told they would deposit my money back into my account. Checked my account and only $178.00 was deposited in account, they still owe me $99.00. I was told by PHIL ** that it was taken for process fee and to contact Homeland Security (they have my money). Phil has contacted me since my cancellation @ trying to get me to find a plan that is for my needs. I talked to 4 different people the day I signed up and I'm getting different responses from them. NO information was sent to me about the plan. I would like my $99.00 sent back to me, I can take this to the Better Business Bureau @ discuss this matter with them. I would appreciate a response and the rest of my refund ($99.00). Was not aware of process fee and was told that it was explained to me during conversation @ was recorded. PLEASE contact me as soon as possible about this matter. Thank you.
Homeland Healthcare Company Information
- Company Name:
- Homeland Healthcare