N.A.S.E. And Mega health insurance have put together a scam of gigantic porportions. I was told I could only buy this worse than worthless insurance if I joined the N.A.S.E. And that as a group member this policy was of better value than a individual could get. This is just two of the many LIES told to me. After I joined I heard radio ads from Mega marketing there crappy insuranct to the general public with no need to join the N.A.S.E. I would never have joined the N.A.S.E. Otherwise. As I am sure is the case of the vast majority of its members. I was not told that this insurance dose not have E.R. Coverage. As I am very healthy I would have never bought a policy without this vital coverage. I was told that this policy paid 80% of charges after my $3,000.00 deductable. Trouble is as I am so healthy I had no Idea there limits were so unrealisticly low. IE 80% of room and board up to $200.00. Per day. Cost are more like $2,000.00 per day. When I presented my "major hospitalization insurance" card to a local hospital they said it was junk and refused to admit me for needed surgery. What about implied servicability for which I paid.
When I went to a hospial that did treat me they charged me $10,000.00 for 45min.in the surgery suite. Of this Mega paid less that $1,700.00, with "discounts" hospital said my share was $6,600.00. They also told me that if I had no insurance they would consider me a cash patient and my share would be closer to $2,500-$2,800.00. So this is why I call it worse than useless. I cannot understand how this is legal. When I did a google search "insurance misrepesentation" low and behold top of the page was Mega. With 87 rip off reports I think I see a trend. Perhaps we could form a group and pool of funds and hire a class action lawyer.
Maco
Chino Hills, California
U.S.A.
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