- Report: #1260592
Complaint Review: U.S. Health Group - Nationwide
-
Author Not Confirmed
Why?
U.S. Health Group
Nationwide, USA
Web:
ww.ushealthgroup.com
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
U.S. Health Group U.S. Health AdvisorsU.S. Health GroupFreedom Life Insurance Company of AmericaNational Foundation LifeCredit Suisse JUNK Health Insurance Deception-BEWARE-garbage coverage Texas
The garbage health insurance coverage being sold by US Health Advisors, who are owned by US Health Group, and underwritten by Freedom Life Insurance Company and National Foundation Life will leave you financially exposed.
The Agents either do not know the fine print or will not tell you because if you knew, you would never buy it in the first place.
With this coverage you WILL pay a Penalty tax to the Government.
With this coverage, you will not get a wellness visit to keep tabs on your health
With this coverage, your children will not get their scheduled immunizations
With this coverage, the providers will not recognize it. Plus they pay next to nothing and you you will be responsible for the rest.
The deception starts when the Agents tell you he plan (or at least the first part of the plan) has a zero deductible. This is NOT a full disclosure of the truth. The base part of the plan is a limited benefit health plan. Which means, the plan pays an exact benefit for a Provider's charge. For example, The plan pays $75 for a doctor's visit.
For lab work, it pays $30.
For medications, it pays a total of $10 for a generic or it will pay $30 for a brand drug.
The plan has riders attached to upgrade coverage. Even for a catastrophe and even while in claim. Sounds good on the catastrophe end, right?
When a policyholder ugrades, he is required to pay ALL BACK PREMIUMS to theinception of the plan. If the upgrade is to the catastrophic plan, not only is a new, MUCH HIGHER, premium is due, ALL BACK PREMIUMS MUST BE PAID... In addition to the $3,000 deductible. AND, the policyholder is then rquired to get off the plan and get onto one of the government plans at the first available time it is available. Are you kidding me?
This is total garbage. Deception at its highest level.
Good thing I took the time to read the mounds of fine print
