I will warn you now... When I first started with this company 5 years ago their name was UICI/Association Field Services. It then changed to UGI/Association Field Services, THEN it changed to HealthMarkets/Association Field Servies... Now it is InSphere. The insurances you can buy under these names are Mega Life and Health, Chesapeake Life and Health, NASE plus a dozon others. They bring on "agents" to sell this insurance, but only give them a weeks worth of training. The agents that they bring "on board" are not professionals and have not experience in the sales "road warrior" world... They are "ex" cooks, waitresses, retail associates, electricial engineers, plumbers, and the list goes on. These so called agents don't get paid unless they sell a policy, so they will say or do anything to get you to buy said policy.
These policys are catastrophic plans ONLY... It is not a PPO or an HMO plan, and they are over priced for what you get.
If you go to AM BEST ratings you will see that they have a D-... Why do you think they are always changing their name? Bruce Libby is the biggest scam artist of ALL!
DON"T buy this insurance.
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