Complaint

0
V L
Country: United States
Lost my job, missed my COBRA deadline and searching for Low-cost Health Insurance...got a message that I was "approved" in spite of pre-existing conditons...had just been told by Cigna that they could not cover pre-existing conditions....I had been diagnosed with Cancer in 2011..."Jason" sounded legit Until I was told they needed $314 plus a $99 "application fee" upfront on my credit card right now....and I could see the policy AFTER I paid them...

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    bill v
    | 3 replies
    special thanks to Jeanne anne for her great help in uncovering us health group scams. she walked me through a process of getting insurance as a true professional. thanks Jeanne!!!!! :)
    • 0
      Jeanne Anne Laughlin replies to bill v
      Thank you bill for your kind words, trust  and for the opportunity to help. It was a pleasure to help you and Mrs. V Thank you also for contacting me and allowing me to show you that USHealth Group (the real USHeaLth Group) is a legitimate Insurance company with with ethical LICENSED agents to help clients.
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      Kevin Reese replies to bill v
      | 1 reply
      Bill V, I'm so glad you had a chance to walk through our plans and see that the "REAL" U.S. Health Group is NOT a scam at all. More importantly, that we DO offer a range of great plans to fit most budgets. Thanks also for publicly acknowledging that the "REAL" U.S. Health Group is NOT a scam.

      Best regards,

      Kevin Reese
      • 0
        dan replies to Kevin Reese
        it say they are not market place compliant looks like gotta pay the penalty maybe is it true?
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    Brenda
    | 1 reply
    Received a call from US Health Group after I searched for Insurance online. Call back number is 888-648-4480 ext. 302 (T.J.) No deductible and no co-pay with $99.00 enrollment fee is too good to be true.$337.00 monthly premium for someone denied other insurances??? TJ wanted to sign me up after getting fee, then I would be read the policy on the phone. RED FLAG! Know who you are dealing with. I won't be signing up.
    • 0
      Kevin Reese replies to Brenda
      Brenda:

      I am a REAL health insurance agent from the REAL US Health Group. We do not have a $99 activation fee. There is an initiation fee that is $40 for medically qualifying plans and $100 for guaranteed issue plans; HOWEVER, if you choose to not accept the plan NO MONEY is taken from you. It's important to note that our home office, based in Fort Worth DOES NOT take your premium or initiation fee until your plan goes into force.

      The plans we offer absolutely ARE legitimate health insurance plans. Unfortunately, there are many using our name to take advantage of unsuspecting consumers. One thing you can do is ask for the agent's state license number and even their national producer number. Agents SHOULD ALWAYS be happy to share that information. There are also some that offer a discount plan that they market as health insurance. The sellers DO NOT need to be licensed to sell these programs so DO NOT purchase them. Work ONLY with licensed agents. I hope that I've clarified some things for you. We are legitimate agents offering legitimate plans; in fact, I am on my own plan with my 11-year-old son. I wouldn't use it for my son if I didn't believe in it. Please let me know if I can be of service to you or at least consult you further, don't hesitate to contact me at kevinr4ins@gmail.com or call me at 903-229-6900. I'm licensed in TX, OK, KS, MO, MS, AL, MT. My TX License number is #1603193. Have a great day, Brenda. My apologies for not getting back to you sooner. I don't get to this page very often. It's always best to reach out to me.

      Kindest regards,

      Kevin Reese
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    Patsy Parker
    | 1 reply
    Kevin, i just got off the phone with Patrick Machases , said he was Italian, he also said he was in California. he said the Company was in Fort Worth. He was very persistent for me to pay him without seeing the plan, and he would add a 99.00   first time sign up fee. I don't think I spelled his last name right. would you know if he works for the real US Health Group?
    • 0
      Kevin Reese replies to Patsy Parker
      Patsy,

      I'm so sorry. I hadn't visited in a while and truthfully forgot where this thread was. I know this response is to your old inquiry and I apologize but here are the facts. US Health Group is based in Fort Worth, TX. We do offer legitimate health insurance plans from comprehensive traditional type coverage with deductibles, coinsurance, etc, to fixed indemnity benefit plans and even guaranteed issue fixed indemnity plans. Most of our plans are not ACA compliant but we do also offer ACA compliant coverage, too. Agents like me are licensed, legitimate, integrity based insurance producers; of course some agents and non-agents (touting discount plans as insurance for mind-blowing low rates) truly make things difficult for those of us truly looking out for clients' best interests. That said, US Health Group does NOT offer plan in California and there is NOT a $99 fee. We do have some plans with a $40 initial fee or a $100 (not $99) but these are NOT taken up front. They are taken with your first premium. If you use a credit card to handle that first premium and initial fee and you choose not to accept the policy, or are not approved, you get everything back. If you pay through electronic draft, that draft doesn't occur until AFTER the policy is approved and goes into force. After the initial payment, payments can be made my direct billing (mail) or electronic draft. Clients can leave their plans whenever they want.

      If you have anymore questions, you can email me at kevinr4ins@gmail.com.

      Hope that helps!
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    Tijuana
    | 2 replies
    I was dealing with a guy name Brett telephone number is 1-443-505-7225 he also told me there was a application fee of $135.how can I find out if he is a real agent.because he explain the policy over the phone.
    • 0
      First rule.. replies to Tijuana
      Don't deal with strangers on the phone.

      There is no value at all to paying money for "insurance" when all they do is take  your money and disappear when you have a claim.  That's how cons work.
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      go1cain@bellsouth.net replies to Tijuana
      I talked to a man name Jason ,he said his company was Name My Premium ,but the Health Insurance company ,Us Health Group, I had a one time payment of 135.00. My  premium monthly would be 370.00 I asked to call back later to check with wife about the company, he told me he couldn't granertee the cost would hold if I didn't pay  the 135.00 now I like to know if this is a scam or not.
  • 0
    Informative Agent
    First, let's get this straight.  US Health Group is by no means a reputable carrier.  They are the same regime who ran Mega Life & Health.  Troy McQuege is the CEO and is known in the health insurance industry as the most slimy in the industry.  They bought a bankrupt insurance companies name "Freedom Life".  Just stay away from these guys.  The plans are indemnity plans, not major medical.  In fact, they aren't even considered legal after Jan 2015.
  • 0
    Michelle
    I just received a call from the group listed above.  A woman asked me questions and then I was transferred to an agent.  He asked the same questions and without my knowledge transferred me to someone named Mitchell.  He gave me his number of 866-845-7441 ext 232. As I was listening to him ramble on, I googled the name US Health Group.  He wanted me to pay an application fee of 170.00 and a premium of 309.27.  I saw on here the 99.00 application fee and he said he will see if he can waive the fee.  He pretended to speak to someone else and said he can lower the application fee to 95.00.  I told him this does not seem right and he said once he was done he will transfer me to someone else that will explain the whole policy on a recorded line.  I told Mitchell that this whole call was shady and I wanted to talk to my family about this.  All of sudden he said, "Thank you and Have a Nice Day" and hung up.

    I just want to find affordable health insurance.  I was let go from an employer and my insurance ended February 28th.  I have medical conditions and I am having difficulty trying to get through all the crap and scams for health insurance.  If I even just pull up a website, I get bombarded with phone calls!!!  Obamacare SUCKS!
  • 0
    Todd
    I have been contacted by the agent named David he has a policy call premier choice which is a 36 month policy is this really from your company?
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    LUANN
    I got a call from a mark neer and he told me that the health insurance had a 0 deductable and a o co-pay and i would be covered at any hospital or any doctor. 85% renewal fee. Kinda sounds fishie to me. What do you think?
  • 0
    Angels
    I am wondering if us health group has a rep. named Dennis in Louisiana River Parish area?  My husband and I have a meeting set with him later this week and so far it all sounds a little fishy to me
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    Gabriel
    This is the best place for a obama care alternative they offer many different polices. Maybe you dont understand the way it works but i got a policy from them and my doctors visit it only $15 dollars and it covers my prescriptions perfectly. i spoke to george ask for him he will be sure to help
  • 0
    Not Stupid
    This number is a scam!!  I called US Health Group direct at 800-387-9027.  They told me it was a scam.  I spoke with George also.  All you have to do is google the number and read on!!  I don't know how some people sleep at night!  Please do not fall for any people like this.  Investigate before doing anything.  I'll sleep good tonight knowing I did not take this any further!!  Sleep tight!
  • 0
    Saved by this site
    Was on the phone with these guys and looked up this site.  Needless to say, I did not write my insurance with them, they hung up on me for discussing this site!
  • 0
    Rob
    ANY plan by US Health Group IS NOT considered “minimum essential coverage”. Seriously people- go to their site www.ushealthgroup.com and click on products, any one of them- READ THE FINE PRINT (if u can actually see it- it is so small, but they bank on that) They confess as much. You buy into this and it doesn't matter what they pay- the goverment WILL not accept this and you WILL pay the fine via yr end tax refunds ;)  I have a name and # of an 'agent' myself, so I know this IS the 'legit' company I see mentioned here as being 'the good guys' & not the scam, per say, All fine and well, but it still is NOT accepted as MINIMUM ESSENTIAL COVERAGE, which I also see that the agents here taking up for the company has yet to tell/admit to you all.
    Right from the site: http://obamacarefacts.com/minimum-essential-coverage/
    " Minimum Essential Coverage is the type of coverage you’ll need to avoid the fee for not having insurance under ObamaCare (the Affordable Care Act). In order to be in compliance with the law you must maintain minimum essential coverage throughout the year, get an exemption, or pay a fee for each month you go without it (although you are allowed less than three months in a row each year without coverage, due to a coverage gap exemption). You’ll report minimum essential coverage on your Federal Income Taxes for each month you or a dependent had coverage."
    Sorry but facts are facts, and please, someone, anyone, correct me if I am wrong. I paid 627/mo in 2014 for my wife & myself, 713/mo in 2015, and my rate jumped yet again to 924/mo for 2016. This is a BCBS plan and has a deductable of 4750, pays 80/20 w/co-pays to dr and e.r., Rx were $8 but did go down to $3 for 2016. Its not a terrible plan, but it sure does hit the wallet!! It would be a blessing if there was something out there that was accepted as minimum coverage that was more afforable and yet COVERED as well.. Heck, come 2017 our premium is going to be more than our house pymt a month
    :( Our saving grace here, we are self employed so this is a tax write off.
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