Well here goes my very long long story. I received a random fax from US MED PLAN decribing a low cost health care plan that was available in my area. It also said that it was available for preexisting conditions. (My husband is a diabetic) I looked into it because we needed to cut back on paying so much for health insurance through my job. We signed up because it sounded good, we will be covered from $20.00 doctor visits to surgeries. We wanted the plan to be effective starting 9/01/08 because we will be covered from my job unto then. Our account has been debited for 458.00 July 17th. That was supposed to be our first month's coverage and a $125.00 application fee. Or account has been debited August 27th, Sept 17th, 10/27,11/20 and December 18th. There has been no explaination as to why my account was debited so many times. I'm still in the process in looking into this. The company (SDS) requires a fax to cancel. We will be placing that fax in this week. My first disapointment was when us med plan sold my account to another company without any written notice to us. We went from Nationwide Benefit Services to SDS or ATA First. How we found out was when my husband had to go to the emergency room because he had a bad infection in his finger. We where calling the other company and was told we where no longer covered under them efective 2 months ago!!! I called my agent and he justified it by saying that SDS should have contacted us and he reassurred me my coverage has not change. He also had to give me my group number and the adddres and phone number to the new company. Of course all this was going on while my husband is waiting for treatment. We now have more than $1900.00 in a emergency room bill. SDS says they only cover $50.00. They also said there will be a discount of some sort for using a network hospital. (We left our other hospital because they where not in network, little known to us who didn't even have any insurance cards from our new company.) We have a summary of benefits form us med in writting stating that emergency room procedures have a $250.00 deductible and everything is covered up to $5000.00. I thought that we bought a plan that will cover us instead we have a fradulant plan that only covers $50.00 for emergency rooms and $1000.00 per occurance just in case my husband would have a heart attack or something. Doesn't that make us all feel better??? If it sounds too good to be true it usually is. I am now trying to get my money back for paying on something that is worthless to us. We can't even get a discount from the hospital because we are insured in their standards. I spoke to the manager of US MED plan who just kept trying to get me to upgrade (more money) for something better, he had little to say as I read out loud my summary of benefits from his company. I also reminded him that he since was the manager he should be aware of his companies summary of benefits. He kept repeating telling me that he wasn't aware of what I had bought back in July but for $199.00 more I could upgrade. This company does not back up what they promise. Beware of those random faxes that promises the moon from USMED PLAN. This is a very fradulant company and I want to get the word out DON'T TRUST US MED PLAN!!! I am fighting to get my money back to help pay the bill from the emergency room visit. I believe i bought a product that did not deliver. Is there anybody out there like me???
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