Since the Teseo Brothers are prohibited from being licensed as insurance agents anywhere in the United States due to their criminal past, they use their father Philip Teseo, Sr. And his associate James V. Struss as front men.
PJP Health Agency scams it's clients ("dupes" would be a more appropriate term) by selling them discount medical plans when they have been led into thinking that they have purchased health insurance. Since PJP Health Agency does not supply potential customers with written details of the plan before purchase, most consumers do not realize that they are purchasing a medical discount plan instead of legitimate health insurance. Since most customers do not have law degrees, they are overwhelmed when they are rushed into giving their checking account number and then rushed into e-signing a contract. The so-called "telephone verification process" is bogus, as it is handled in-house, and not by an independent third party.
For those customers that are a little more knowledgeable about the health insurance process and are willing to pay the price, PJP Health Agency does offer health insurance coverage. However, this coverage is not legitimate, because customers are assigned into groups of which they are not members. For example, a customer may be given health coverage through Horizon Blue Cross/Blue Shield, but this coverage is issued because PJP Health Agency fraudulently claimed that the customer is a member of a group (i.E. A local Chamber of Commerce), when in fact they are not. If the customer ever has a serious medical condition requiring an expensive procedure or treatment, the insurance company will conduct an investigation which will determine that the insured was not actually a member of the group to which PJP Health Agency claimed they were. This will result in the insurance claim being denied, which will put the customer on the hook for potentially thousands, or tens of thousands of dollars.
Up until recently, PJP Health Agency has been able to fly under the radar and take advantage of both a gullible public and lax enforcement of insurance fraud laws by the state regulatory agencies. But things are starting to change. Both ex-employees, scammed customers, and defrauded insurance companies are coming forward to expose this company for what it really is... A boiler room operation which is engaged in an ongoing criminal enterprise!
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