Complaint Review: Optimum One Health

 We were looking for a conventional health ins policy, and unknowingly, sold, what  appears an discount network.

We were told, several times, that it was an PPO heath insurance policy, zero deductable, and that, when asked, our doctor,  hospital, and prescriptions were covered, 100%.

The sales rep. says that he was calling from Fla, but when his phone # traced, the call came from NYC.

We received the policy, via e-mail, after money was deducted from our  debit card account, for this so-called policy.

Upon reading the policy, nothing made sence, so we called our family doctor, and local hospital, and nobody heard of this company, or such policy.

We come to realize, that this plan, was nothing more than a worthless discount plan, which would pay 100%, of nothing.

We called another number, which was on the policy, and immediately cancelled, and was given a cancellation ref#. They said, that we would receive, our refund, in about 5 business days, which amounted to about getting 1/2 back.

We were given a e-mail address, of cancellations@unitedconsumer.org, to send, as a backup, on the cancellation, but it was kicked back.

We will find out, in about a week, if we do get our money back. Lesson learned. Do business, face to face.

Terry, Keystone, Indiana