I have been reading the posts on this board and a lot of the posts seem to be from agents in the industry. I am not an agent. I am a subscriber to this company, but not for long.
I bought a policy three months ago as I was starting my own business. Wish I had read this sight first. There were so many other things going on, I didn't due my due diligence.in the past 2-3 weeks, I have watched the bills come in. I will pay these bills, but it is a hard pill to swallow.
My coverage works like this. $600/month premium and no doctor co-pay. They will pay my first $500 in bills each quarter. After that, I will be liable to pay the rest. 3x$600=$1,800 - $500 per quater. $1,300 profit up front. Prescription coverage is great as long as you don't use it! THIS IS A DISCOUNT PLAN, NOT INSURANCE COVERAGE.
If you get sucked into this plan, prepare to pay huge out of pocket expenses. I have a wife and 4 kids. No pre existing conditions. Just some check ups and flu shots and I'm in the hole. A doctors visit runs into the hundreds, so plan on getting 2-3 visits per quarter before you start paying 100% of the payments. I don't know how these scumbag agents sleep with themselves.
My agent lied about the entire policy. As I look at the bills, I can't believe the agents can lie the way they do. They will yes you to death and steal your money.
I am reading the posts from the company agents and am laughing at the lack of morales and values they are showing as they try and protect this SHAM OF A COMPANY. RUN, RUN, RUN as fast as you can if a sleezebag agent contacts you!!!
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