Complaint Review: US Health Advisors

Post on ripoff:

My name is Eric, 972-366-5775 (cell), serving North Texas, and you may call me with any questions or concerns. 

I ask that those who have had a negative experience call me, and/or refer someone to me who you are not friends with, and keep tabs on their situation to see how it goes for them. 

I do not try to discredit anyone’s complaints, or argue any of these points. In fact, I see where some of the former clients are coming from with their discontent, and I would largely attribute their experience to not receiving adequate explanation of their plans. 

My approach (which is also the way we are trained in our office), is to fully educated each applicant at the initial appointment as to all that our plans do AND what it does NOT, and explain how/why.  I then meet to recap everything when I do a face to face review of their policy once it arrives in the mail.  Even then, I don’t expect everyone to remember everything in the event that they actually need to use their coverage; therefore, I insist that each client put my cell number in their phone contacts so that they can call me with any future questions, concerns, and issues.

Just as with any business, insurance or otherwise, there are varying degrees of discontent as well as those who are completely satisfied, both clients as well as agents.  I am not trivializing anyone’s experience or perspective as a client or former agent.  I hope you all are doing well, and are happy with your current policies or current careers.  All I can attest to is my clients’ feedback, and my experience with this company as an agent and with my own family as a client.

Send me your most disliked acquaintances, so you can either have a laugh, or so you both get to see what RIGHT looks like.

For further reviews of this company’s substantiated complaints, please visit the Texas Department of Insurance site at http://www.tdi.texas.gov/consumer/index.html

I wish you all the best,

Eric

To the person claiming that the consumers should be sued and claiming lies, perhaps you are the one who should fear a law suit. I am a healthcare attorney and former fraud investigator and this company's practices made me so angry that I created this profile for this reason only. 

First, my direct experience contradicts most of what you're saying. I was trying to help my elderly father through the process. It was clear they were hiding something and trying to isolate him on the phone rather than deal with me (perhaps it is because it's easier to take advantage of someone that way, or maybe some of the questions I was asking were just too comcomfortable). In any case, they never mentioned that it's not major medical insurance and they never mentioned that the plans fail to meet the PPACA requirements, despite us asking several times and they kept dodging our questions. Ultimately, they hung up once they questions grew difficult. 

Then when we called back and asked to speak to a manger, several people said they could not and could only take a message only they hung up before they took a message (again, this happened SEVERAL TIMES). They were clearly, purposely avoiding our questions and avoiding us talking with somebody higher up the ladder. What is it called when you intentionally mislead people? I forget the name...

Oh yeah, and since you're trying to scare these poor people who have a legititmate complaint about a clearly shady company, perhaps you should prepare your attorney to start work on lititgation defense strategies for you as you have committed textbook defamation by calling a private citizen a liar and publishing that information in a clearly public setting, causing almost certain damages. 

The worst thing about all of this is that if they didn't avoid me, hang up on me, and refuse to answer questions, then they would have had a chance to explain things. If, you know, there was an innocent explanation. But there wasn't. This seems like an attempt to hide the ball until it is too late for customers to do anythign about it. Worse yet, actually, is that if not for people like you trying to intimidate these unfortunate people, I'd have not written this post, since you clearly weren't present when they tried to hide the information from me and my father, obviously weren't there when these people were going through their terrible ordeal, and most certainly weren't on the phone for the likely hundreds of other calls, perhaps you should stick to what you know.

Thanks and to the oringal poster, hand in there, and Thank you for posting as we might not have been as prepared to deal with this scam.

The biggest issue that US Health has is that their "agents" are passing these off as major medical. This is a supplemental plan on steroids...nothing more.

1st, US Health Advisors does not and never has charged an upfront underwriting fee.  They do assess a $40 app fee which is a one time fee if and only if you get underwritten approval--IAW, it is added to your first Premium payment the day your plan goes in-force.   If you get approved, but happen to not "take"/accept the policy, you pay nothing.  

Your claim you paid a huge application fee is a big fat LIE.   You should be ashamed.

As for what plan you signed up for, you don't say.  In addition to comprehensive 80/20 plans, USHA sells many invaluable ancillary and GAP type insurance products which may augment a "core" Plan.......the whole of which CAN, if done properly ...much less expensive & not only replicate Major Medical, but exceed the "typical" Maj Med plans which have increasingly become watered down with ever-rising Deductibles, higher Co-pays AND hidden elimination periods, exclusions, ommissions & riders.   

Name one other company offering a 3 year rate lock.....there are none.   

Reason the entire "package" you contracted for is not/cannot be referred to as Major Medical is because it is not ObamaCare. Haleluhja for that!  Nope, it does not include all the 10 essential benefits Obama, in his infinite wisdom, deemed each and every American MUST HAVE.  When you did your underwriting V-call, which you MUST complete to get approved, they specifically asked you/your spouse if you understand this is not Major Medical Insurance.....Did you lie to them too?

Your agent AND the underwriter told you the answer honestly and upfront BEFORE you got approved and signed onboard.

Otherwise, they stop the V-call and you become a DECLINE.  That's how it works, all above board, not the way you disengenuously depict.   Perhaps you're not stupid or a liar, maybe you fell asleep during the presentation & V-call.  

By the government newly revised Definition of Major Medical, a 60 yr old couple that want Maj Med Insurance MUST include and pay for the benefit of Braces, Maturnity, Child Care, Drug Abuse counceling and Sex Change operations--and I guess they need? all that according to Washington wisdom.

If/when your health fails, or actually need to use your govt plan, you'll be begging for the USHA policy you once had, and were lucky to be approved for. 

I call say the absolute truth regarding US Health Advisor plan is that the reason it is different and this is true because with the non ACA plans you are more likely to get the doctor you want. The ACA plans is more likely to not get you the help you need. Those fines will not end up having you arrested. The fines I can tell you is to just ignore it. If employers were to read the failure to pay the fine will not result in criminal prosecution. The state insurance commissioner is correct about the fine. But the Attorney General of Texas and Governor Perry did nothing to prevent over 1 million texans from being kicked off their pre 2014 plans either. So don't worry about the fines because you worry over nothing. The agent who said Humana is not good is actually correct. Humana has one of the worst reviews.  The prices of all ACA plans are just terrible. Cigna is actually the worse insurance company of them all. You better off buying a short term plan at Assurant. Also their is no such thing as a perfect Insuance company. You still are liable for the fine and this year is either 1% or $95. But as I said you don't need to pay the fine. The agent should of done his or her job. I would make a complaint against the agent. I would be more aware of all ACA plans. Besides ask Governor Rick Perry and Greg Abbott why they did nothing to keep allowing the pre 2014 plans in place. Besides Abbott wants to claim he opposes the ACA but did nothing to use his influence. Please sue Governor Rick Perry and Greg Abbott.