To whom it may concern:
My name is Danny *. My wife & I retired to start our own business April 8. We had COBRA through my employment but decided to find something cheaper for both of us since it would only cover us 18 months which would have been till october, 06.
My wife searched the net and was contacted by Sue Moon from Mega Life. She came to the house and we told her we were looking for major medical cheaper than COBRA would be. My wife ask if there would be any problems with pre-existing conditions because at that time I was a diabetic not on insulin controlled by diet and medication. She stated that would be no problem and this is the best we could get. We paid our premiums faithfully every month of $471.95 the first one little more $595 something which my wife has a record of.
On November 4 I had a heart attack. When the hospital filed the claim to pay for my coronary intensive care stay 4 days they said I had no ins but my wife was fully covered. At this time I was confused because I was led to believe when Ms. Moon left my home my wife and I both had major medical which is what she led us to believe.
Come to find out she sold me accident only which makes no sense if you think about it because why would I even purchase an accident only policy when I needed major medical for my wife and I both. My wife and I both cancelled our policies because she had to pay for her mamogram out of pocket so you tell me how they can tell me she is fully covered when this is preventive medicine?
I have written Mega Life with copies to their president and to the president of the national association for the self employed, to the better business bureau and to the attorney general and the Ohio ins. Commission. The only thing they come up with is we had 10 days to review the policy to make sure this is what we wanted and since we didn't it is more or less our problem. However, I totally disagree because I didn't see any reason to review it because I thought my wife and I were fully covered.
Miss Moon represnted me and she knew when she left my home what she sold to us so to take unfair advantage to sell something just to get a commission is not right. What I would like them to be forced to do is pay off my hospital bill, and my heart doctor bill since he saved my life and pay back all the money I spent for my premiums I paid for services I didn't get.
Enough class action lawsuits against them should put them out of business and since they are in the insurance business to help people they should be put out of business for misrepresentation and unfair practices.
If you need to contact me you may do so at 9phone number deleted - see below) or by email at (email deleted - see below). I thank you for any assistance in the matter to clear this up as soon as possible.
Sincerely,
Danny
Dayton, Ohio
U.S.A.
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