As an Industry Insider let me tell you that most of these programs are overly exxagerated and usually make promises that they cannot live up to. They all promise discounts and savings to the consumer that "the insurance companies have enjoyed for years", first of all keep in mind that this is not insurance and secondly they can't guarantee any of the claims that they make about savings.
They promise their customers large savings on doctor's office fees, emergency room visits, lab work, X-rays, hospital medical fees, and even dental fees usually to the shock of the unsuspecting consumer, to find out later that they have been mislead or taken advantage of.
You must be realistic when looking at these types of programs, if you can't afford health insurance how are you going to pay the expenses you incur once you have visited a doctor or hospital for some medical service? I don't know a single doctor that went to medical school, only to have his or her patients pay them for their services on a "payment plan".
Most of these companies will tell you that "if you can't pay for the services you can work it out with the doctor or set-up a payment plan" nothing is further from the truth. These companies can't speak for the doctors or the hospitals that they claim to have as part of their networks so don't be fooled by these claims by their sales reps. If you don't pay the doctor or hospital for the service that was rendered you will usually have a judgment placed against you (which by the way can be enforced to collect the amount you owe and it will show up on your credit report until it has been paid off.) regardless of what these companies claim. They also promise their salespeople "unlimited riches and lifetime residual income" which is in most cases nothing more than a "pipe dream" (remember there's a sucker born every minute)
These programs pure and simple are nothing more than pyramid schemes and ponzy scams all of the real money rolls directly into the pockets of the top tier executives, and if the company goes out of business, files for bankruptcy (or changes it name and moves to another state the salespeople have nothing to claim in the way of income from them. Be very careful when getting involved with these programs because they control every aspect of how the program works and can change it at anytime to make it advantageous for them.
The promise of "cash and cars" is nothing more than the bait and lure of mountains fo cash is the hook". Most of the people involved at the executive levels and sale levels have very little to invest and are looking for other unsuspecting hardworking people to build their fortunes from. If you sign a contract to sell the program make sure you understand what you're getting into in most cases your residuals are not vested which means if you build a large organization of people and decide to leave the company those residuals can roll up to someone else leaving the person who was responsible for building the organization "out in the cold".
Most reputable companies usually don't charge their reps to train them I find this to be questionable, because after all isn't the company going to make money based on the toal sales regardless? Do you really need to be trained to sell to large groups isn't the priciple the same? Sure it is. Whether you sell 1 or 100 the sales principle is the same, this sounds flaky to me and it appears that the company needs to raise money at the expense of it's sales force.
Always check with the Attorney General's office and Better Business Bureau in your state to see if if there are any recent complaints are pending legal action on file against the company in question this may answer a lot of your questions about the company and the industry. You may also want to check with State Dept. Of Insurance to see if they have taken any action against the company as well. Do some research first and you may save yourself a headache later...
Industry Leader
Sherman, Texas
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