I was a member of PJP Health Agency. I had an insurance policy before but I gave it up. Since they represent self-employed persons alledgedly, they have extra benefits that I thought would be useful.
I think I paid somewhere in the area of $200 to $300 a month for a single person, age 35-40, non-smoker, and living in New York.
At any rate, when I actually USED any service I always had to pay the vast majority of the bill! I'd get a lab test done that cost $90 and they would pay something like $7 of it. I'd have a doctor's visit for $125 and they'd pay something like $14 of it. It was ridiculous. A total waste of money.
It wasn't really an "insurance" plan so much as a "discount" plan. Nothing at all like any other plan I've been on. I would highly recommend you get a real schedule of service with real dollars for various types of tests that they will pay and compare it with the same from another carrier.
Aside from all this, it was presented to me as an association for self-employed which also just happened to provide a health plan.in reality they are just insurance salesmen, not looking out for the welfare of their customers as self-employed. Just abusing that perspective to sell insurance.
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