- Report: #295420
Complaint Review: Mega Life & Health Insurance - Saint Petersburg Florida
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Author Confirmed
Why?
Mega Life & Health Insurance
6811 Seagull Dr So Saint Petersburg, 33707 Florida, U.S.A.
Phone:
727-347-1235
Web:
N/A
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Business Rating:
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Tell us has your experience with this business or person been good?
Mega Life & Health Insurance Do Not Deal with this Company Saint Petersburg Florida
I signed up with this company over a year ago with promises of good benefits on things such as doctor office visits, lab work (blood work, etc) and all other health necessities. Turned out that they covered nothing on regular or sick office visits. No co-pays or anything. I had a $300+ blood test done and they paid about $16.00.
It was a real rip-off. Thank heaven I never was ill with anything acutely serious! Needless to say, I am no longer with the company and advise others not to apply without a printout in writing of ALL payments that MEGA will pay in terms of office visits, lab tests, etc. At a premium of over $300 per month, they made a fortune on me and paid almost nothing out. BEWARE!!
Lelone
Saint Petersburg, Florida
U.S.A.
It was a real rip-off. Thank heaven I never was ill with anything acutely serious! Needless to say, I am no longer with the company and advise others not to apply without a printout in writing of ALL payments that MEGA will pay in terms of office visits, lab tests, etc. At a premium of over $300 per month, they made a fortune on me and paid almost nothing out. BEWARE!!
Lelone
Saint Petersburg, Florida
U.S.A.
1 Updates & Rebuttals
Sara
San Diego,California,
U.S.A.
Report This Company To Your State Division of Insurance
#2Consumer Suggestion
Sat, December 29, 2007
The only way consumers can assist in making sure insurance companies (such as this one) comply with state regulations is to file a complaint with your State Division of Insurance. Many consumers are not aware that there is a local DOI office in their state that can investigate complaints against insurance companies on the consumer's behalf. Compliance Investigators will take your complaint form and send it with a copy of a letter to the insurance company advising them they have a certain amount of days to respond to the complaint. The company must respond or face fines and/or enforcement from the insurance commissioner's office. The Division of Insurance has the responsibility to make sure that insurance companies are following all state revised statutes and not taking advantage of the consumer. Many companies portray themselves as health insurance however they are providing Health Discount Plans which are pretty much useless (not all, but most are). BEWARE of purchasing health insurance (or other types of insurance) over the internet. It has been my experience that many consumers (especially senior citizens) have been ripped off terribly by internet companies. Also beware of faxes received from companies that sound to good to be true (especially health insurance) as many of these are nothing more than boiler rooms set up in certain states that will take your debit card information, withdraw a certain amount of money and then disappear with YOUR MONEY. Many people have had to cancel their debit/ATM cards and bank accounts due to scams such as this and the banks have a real tough time reimbursing you for something you agreed upon. Sometimes they will...sometimes they will not. It depends on the financial institution. Always contact your State DOI before purchasing ANY type of insurance be it annuities, life, health, auto, homeowners, viaticals, etc. This agency is able to research the insurance company/agent to ensure they are properly licensed. Now that is not to say you still won't end up in a tough situation as there are unfortunately a few bad agents selling terrible products but if that is the case you can turn to this agency to assist you. I suggest you file a complaint and let your local DOI look into it. If they are not able to resolve it in your favor (not all complaints turn out successful) at least this is a "thorn" in the side of the insurance company as it is noted on the company's history for future market conduct examinations. Enough complaints filed and your insurance commissioner will see the red flag and order an examination of the company. Research any insurance product/agent/company before signing on the dotted line. Good luck to you.
