NBLA was represented by Sheila, their sales woman. She lied on all counts except the price.
The agent confirmed her claims. The first appointment I had was denied as pre-existing... Had never seen the doctor before or been treated for the problem... Ever. Blood work denied, x-ray denied... They paid nothing. I had to have the doctor sign a form that he had never treated me before... Then they denied it again as pre-existing... For absolutely no reason. Sent the doctor's form again and they just sat on it... Did nothing till I called and asked what was going on. Their answer to that was they didn't know it was there. I complained on all of this and was told to go get new insurance and good luck with that. I am furious!
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