Complaint Review: NCE Health Insurance

NCE is NOT "credible coverage". NCE offered me affordable "health insurance" that would accept me despite a pre-existing condition. They seemed both insufficient and fishy to me at first because the insurance had almost no usable benefits, serious limitations, and they would not let me see the details of the program until after I had signed up and given a nonrefundable $125 sign up fee. I thenfound out that the list of 'in network' doctors they sent me had never heard of the insurance and would not accept it, and that NCE would only have paid $50 for me to see the doctor in any case.

I chose to use the service anyway because, as the solicitor explained, it was a relatively inexpensive insurance ("only" $240 per month) and would ***prevent me from having a gap in insurance coverage*** until I started my new job with actual good insurance in two months. During these months, my husband and I conceived a baby, as we had planned to do. My new insurance says all of my pre-natal care is covered by them, as long as I can show that I had continuing health coverage when I conceived. No problem, I thought-- I planned for this. But when I contacted NCE to obtain my certificate of coverage, they told me then that NCE IS NOT "CREDIBLE COVERAGE" and will not be accepted by other insurances as continuation of coverage, my 'HIPPA portability of benefits' is not in effect.

So, I am 16 weeks pregnant and unable to see a doctor because my new insurance (and all real insurance) considers it a pre-existing condition, and the two months I paid for NCE insurance I was not actually insured by legal standards. The solicitor lied to me, telling me NCE insurance would prevent a 'gap in coverage' and it did the opposite. I would not have this gap if I had not signed up with NCE. And I also am not able to get government assistance because our household income is only $150 over the medicaid limit. Obamacare will not help me either, since it doesn't kick in until January and the baby is due February.

NCE, you lied to me and now me and my baby are not able to see a doctor. Shame on you.