I requested information on the Internet for Health Insurance and got a call from Healthcare Advantage. They told me they were not an insurance company but promised me I could save a lot of money using their program.
They said Doctor's visits usually cost between $30.00-$45.00, and that I would save around 65% off eye Doctors. They said for dental I would save around 80% and when I asked for an example for a crown the man I talked to called to his associate and told me she saved $300.00 off the cost. He mentioned prescription drugs, and that I could save 90% off mail order.
It sounded great for self employed people with no health insurance. I was about to move to Florida and asked if I could use it there. No problem, he said. I got the package in Maryland and we moved soon after. Several months later I tried to use it in Florida and called their number for a referral for a doctor. They referred me to a doctor but when I called his office they said they didn't accept their program. When I called them back they said, he might have given me a discount, which is why they referred him. (Does this even make sense?)
They couldn't find a doctor who would take their program, but suggested I try and recruit some. I told them that was not why I had signed up for their program. I called and requested my money back as their program wasn't accepted here. I had to write a letter to get them to cancel my membership and they still charged me that month. I ended up sending two registered letters and calling several times, all to no avail.
I finally got a letter from Richard Moore who said they could not refund the $500.00 I paid for premiums or the $100.00 I paid for enrolling because it was not requested within the first 3 days of enrollment (for the enrollment fee) and had to be before 30 days for the premiums. He referred me to the Terms & Conditions He never addressed that his company did not offer the program where I lived.
This should be illegal. I can appreciate that not every area would have this program availiable, but they should not be able to sell it to a customer who can't use it.
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