First I fell for his sales pitch when he sold me a MidWest National policy several years ago. Then he calls me saying he wanted to help me get rid of the bad coverage and sold me something called an "Economical" plan with Independence American and told me I had full major medical coverage.
What a liar! I had to go in for a series of tests including two MRIs and a CAT scan among other things. I was shocked to find out I only have a $2500 maximum benefit PER CALENDAR YEAR for these things. I ended up paying close to $10,000 of my own money while the insurance company only paid $2500 for these tests.
To make matters worse, this policy doesn't have any prescription drug coverage and he told me I did. What I have is a crappy little drug discount card and I"m now spending over $500 a month for medication.
I've applied with two other companies to try to dump this terrible coverage but now due to my pre-existing condition, I have to wait in order to be able to get approved. I'm stuck and the agent won't even return my phone calls!
I've read all the horror stories about MidWest and MEGA and it seems like this company is training it's reps to use the same lying sales tactics to sell Independence American. The broker who tried to help me get other coverage told me a lot of ex MEGA and MidWest agents have joined this company. He also said that after reviewing my policy it's just a piece of junk and that the ABBA benefits are also junk and not worth paying for.
How do these agents sleep at night?
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