After filling out a brief questionnaire on ehealthinsurance.com, I was contacted by someone named Donald Ulrich at PJP Health Agency of Melville, New York.
Mr. Ulrich said that he could get me in a group health insurance plan because New Jersey has some law that states people in a certain age group or risk factor can be considered a group. I began to become suspicious because I have never heard of that. I am a realtor and even realtors are not considered a group in New Jersey, otherwise I would already have group health insurance.
After Mr. Ulrich began to really pressure me to give him my checking account number, big red flags went up. I told him I needed documentation with a plan summary so I could lay this plan next to the plans I was considering from other sources. He then said that the way they save money is by not offering copies of the plan.
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