There is absolutley nothing good about this company. Sure, some agents make BIG money, but it is at the expense of their clients. Bible we are told, "The love of money is the root of all evil". How true this is in the example of Cornerstone America.
What a shame that they use the name of our great Nation for their company. This company is not about hard work and integrity, but just the opposite. How can these agents sleep at night?
I was with them for just a few short weeks when I realized just how evil and greedy they are. The products they sell are every bit as expensive as fully comprehensive plans.
The product we were pushed to sell had internal limits all over the place. They would only pay $800.00 per day for Hospital rooms, and only $2400.00 per day for ICU. What??? The average ICU is over $4,000.00 per day, with many stays much more than that.
This plan also give you additional deductibles for almost everything. If you need and MRI hopefully you selected that rider. Yes thats right, it is an additional rider. And it also includes an additional deductible. Oh yes, it also only has a lifetime maximum of $100,000.00. If you want to add an Urgent Care rider, you will have an additional premium, and, you guessed it, an additional deductible.
Now, if you need surgery, the plan will only pay your Surgeon $8,000.00 and the Assistant Surgeon up to $1600.00!! If you are having Outpatient Surgery the amount Mid-West will pay is capped at $5,600.00
Now if you have ever taken an Ambulance, you know that just a 1 or 2 mile trip can be several hundred dollars, and if you need to go any further or if they have to do any work to you, you are looking at thousands of dollars. What will Mid-West pay? Try $250.00. Of course, you are need to join an Association if you want any Air Ambulance coverage at all. This Association costs an additional $40.00 a month to join. An Air Ambulance can easily cost $10,000.00 and up. You will get a $4,000.00 benefit.
Now if you doubt any of this, do a google search for Mid-West National Life. Add "Lawsuit" or "Unethical" to your search. This company is getting rich off of making people poor. The sad thing is that once someone realizes what poor insurance they have, it is too late. They now have a pre-existing condition that no one else will cover. They are stuck.
Mid-West and Cornerstone are nothing but scams. One way to know for sure is to check (link deleted, see below) and see how often they have a job listing. They are a job mill. They are constantly getting Agents suckered into paying to work for them. They know it will take the average Agent a few weeks to realize how awful the product is they are selling.in the meantime, they have sold 2 or 3 Policies. Once they leave, Cornerstone and Mid-West keep the business.
As for the $271.00 background check fee. That is bogus. Check around. You can sell policies for credible Insures without any fee, or just a fraction of that. I am so glad I turned from the Dark Side. The policies I now sell are not only better priced, they are Comprhensive! That is very important.
Oh, just one more thing (For now). They really hype things like, "You cannot be singled out for a rate increase", "Your choice of Doctors and Hospitals", etc... First off, no company can single you out for a rate increase. It is against the law! As for the choice of doctors, any PPO or Traditional plan does the same. And you can find better coverage with the other carriers.
Do not sell your soul to work for this company! You don't want to get that phone call from a client who is facing bankruptcy because of a policy you sold them.
E
Lakewood, Colorado
U.S.A.
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