Complaint Review: James extension 1624

On August 17, 2015, I was in search of health insurance for myself and my 18 y/o son. I called Blue Cross of Texas and was routed to a salesman named James. James stated that I was lucky today b/c the plan he had was a subsidiary of Blue Cross and was given to only a certain amount of individuals. From what I have written, the plan is a 70/30, no deductibles, $50 cash benefit for each doctor visit, PPO, Rx coverage, preventative care, dental and vision. For $360/month. With the whole idea appealing, I still questioned the price versus the excellent coverage. James then stated that he would let me speak to his supervisor, Frank. I specifically asked Frank if my two doctors were in network. I gave him minimal information. I allowed him time to google my docs and see their pictures and address on the Internet. Anyone could have done this. Frank told me in a very happy tone that both doctors were in network. I was relieved to hear this. As a matter of fact, Frank stated, he has his own wife on this plan. Boy did I feel better. 

I had to pay a $155 enrollment fee one time only. All payments were taken from a call center that required me to answer questions about the plan and fully understand what I was going to be paying. The phone call kept dropping, and after 5.5 hours on the phone, I had succeeded in verifying payment. I could not understand a word that the call center individuals were saying as their accents were very thick. I was asked to sign on Internet but each page would stick thus making it impossible for me to move on to next page. 

I had specifically asked for the payment to come out of my account on the 24th of July and this upset the sale of the policy. In essence, my Internet attempts to sign were still in the computer and were somehow not allowing the money to come out as promised on the 24th. I called the Florida number 954-606-9070 for assistance. Little did I know, this would be the only number I could call. I was given the name of Companion Life, thinking this was my health insurance. I later found out that my plan was called Multiplan. 

What has multiplan done for me? Absolutely nothing. My doctors are not in network as Frank had promised, the plan is not available for just a brief period and then Poof! it is gone, and my two salesmen did exactly what I asked them not to do...Lie to me. Frank must think that I just fell off the Turnip truck if he thinks I believe his wife is on this plan. James assured me that with all of the great things, I would get an awesome drug plan. It is not a drug plan. It is a card that is not related to insurance and has no use whatsoever with the insurance portion of the plan. It is a coupon, a flaked out form of screwing people into thinking they can save a lot of money, and is not recognized by major retail drugstores across my area. 

What angers me the most is that two people who apparently sleep well at night are screwing people left and right. All the things that James and Frank told me were lies. Why do that to someone? Just be straight with me and I'll be happy to pay. Now I am stuck with this horrible bunk insurance and generic,pathetic Rx card. I feel betrayed while all I wanted was to be sure that my son and I were covered. My husband was a police officer and had a stroke while at work. I am unemployed as well. After so much difficulty, why must these two men be allowed to play their games over and over?

I have nobody to call except the Florida number. They want to help by telling me to switch doctors that are in the plan. No. I was told they were. Why should I get ripped off for something I did not do? They need to issue formal apologies and pay me back, and then find the plan I asked for to begin with. What a waste of time. They made me, others, their families, and this company look terrible. I wish that the tapes would be played back to someone who cares. Hear my voice and hear their lies. I am beyond words. Please don't let them do this to someone else.