Back in May I was looking for an affordable health insurance plan on line and left my phone number on one of those web sites which offer "affordable insurances". That is how I got a phone call from Careington. They offered me not an insurance but a discount plan which sounded reasonable to me ($50 a month and 60-70% discount on every doctor's visit, pharmacy etc.). So I subscribed! After a month or two I had to take my 4 y.O. Daughter to pediatrician for an yearly check up. At the office I paid (according to the plan) 30-40% of the total amount (about $160) and was happy! No more expensive monthly payments (which used to be from $250-350)! Then after 6 months (it was the end of the year 2008) I got a statement form the doctor's office with the amount that i still need to cover. I called Careinton right away and their rep told me that I do not need to worry, I covered my part and "don't know anything". OK! One year passed. A few days ago doctor's billing dept contacted me regarding that matter, stating that I do need to pay. I call Careington again. They're trying to figure out what's going on. I am on hold. The lady-rep (while searching in the system) is murmuring something about duplicate charges... Then she sighs "it is weird. Hmm..." I start getting inpatient and she goes "let me contact that doctor's office). Sure! Please... When she called back after a short while she said "yes, they're billing you correctly, it is your responsibility to pay the requested amount" etc. Disappointed, I asked her what about 60-70% discount?! She replied -"oh, no, we NEVER offered such a discount, we offer 30-40%, you were told wrong, and we apologize.."!!! Another way around?!!! False. I remember well what I was offered. And the apogee of the story was when I received FINAL NOTICE from the doctor with the description of services provided and the cost... It was clear then that they are billing me for the FULL amount which was supposed to be paid by the Careington. We are not even talking now about 30% of discount. Looks like Careington done nothing while accurately debiting my account every month.
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