We were contacted by Tyler Lane (888) 723-1849 an insurance broker who sells health insurance. I believe Mr. Lane works for George Steele Insurance Company. Mr. Lane provided us a health insurance quote from Patriot Health that was about half of what were were paying for COBRA. He indicated the insurance company would pay us $105.00 per doctor visit and 75/80% of the charges after five visits.
He also indicated we would be responsible for 20/25% of the charges for hospital/surgical fees. For prescriptions the fees were stated as Tiered with flat rates ranging from $20 to $50. Mr. Lane indicated in order to obtain the low rates we were required to purchase life insurance from Fidelity Insurance at a rate of $47.85 per month.
Basically almost everything was a misrepresentation. The insurance company is actually Health Option One and their membership guide show no reference to 75/80% payments, prescriptions or a need to purchase life insurance.in fact, Health Option One does not pay for doctor visits beyond five for an individual in a calendar year. They pay a flat fee for each surgical procedure, not an unlimited share as represented during the phone call.
Be aware if you are contacted by a broker attempting to sell you Patriot Health, requiring you to purchase life insurance to obtain a low rate it is probably a ripoff.
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