Buffett Senior Healthcare Scam Lexicon Senior Healthcare
Complaint
Bill
Country: United States
Used to be Senior Healthcare Consultants (2009), then Apex-Elite (2010), then Lexicon Senior Healthcare (2011), now Buffett Senior Healthcare (2012). It's really the same company run by the same guys running the same scam - all they're trying to do is escape the bad press, which is well documented on the Internet by now. There's plenty of places, here and elsewhere, that have fully documented their scheme - if you have the fortitude to sift through the steaming piles of obvious shilling that alts of their senior management has spread throughout that documentation, feel free to check it out...but if you don't have the patience, then just run - run away, and don't look back.
Posted: 2011-07-17 by rural
Stay away
Complaint Rating: 94 % with 157 votes
Contact information:
Lexicon Senior Healthcare
United States
Over the course of the past week I have discovered and realized a few things about the company. I have also verified these things with other who were in my training class by corresponding with them via email and phone, although they told us in class not to exchange info with each other, which I found to be suspicious, but I did so anyway.
What I have discovered is that the so called preset, triple verified leads are absolute garbage. I have been sent out to extremely rural, economically depressed areas, driving at least an hour each way, and sometimes 2 or 3 hours, where I have to get a hotel room, and it is next to impossible to make the sale since they already have supplemental coverage that they can barely afford as it is, and you are trying to get them coverage that is better, but double what they pay or more.
The only way you are going to make the sale is if you hustle them, and I believe that is why they send you to such areas. The people are poor, uneducated and we are expected to pressure them into signing by using scare tactics and a convoluted sense of urgency since they "qualify today" health wise and they are seniors.
I have now come to realize that the presentation manual they provide us with and teach us is just plain wrong, not to mention unethical and immoral. The basically set up the appointment, i.e., "preset appointment", by using a call center, i.e., telemarketer, and never tell the senior that we are selling anything. They simply tell them that a healthcare consultant will be in their area tomorrow (by the way you don't get your appointments until the night before, so you never know where you are going or even what county out of your initial 3 you will be in on which day), and then ask them if they are aware of the Healthcare Reform happening known as Obamacare. Of course the senior says yes, and then they ask if it would be ok for the consultant to drop by and explain the changes for them. Again they say ok. They then set the time, then tell them to hold on the line and their "manager" will verify the appointment. They ask them a couple of questions that would disqualify them, such as insulin use or oxygen use, etc. If they say yes to any of those they then say, "Ok, thanks for your time. Have a good afternoon", and then they hang up. If they answer no to all the questions they tell them the consultant will be there at such and such time and hang up. Keep in mind, the senior expressed no interest whatsoever in buying any product, nor did they even get told you would be offering any products. They don't leave a number, they don't call back to confirm the appointment, and we are told we are not allowed to ever call the client for any reason, not even if we are running late. We are fined if we do so. This is because they will cancel the appointment if anyone called them to confirm. I cannot tell you how many times I have been instructed to get off their property, that they didn't make an appointment, they don't care or want to talk to me, AND we are charged $20 for EVERY single appointment regardless of if you make a sale, or if you even talk to them, or if they are even home. This is not a preset, verified appointment! It is a trick to get you in their door...a hustle!
IF, and that's a big IF, you get into the home you make small talk with them for a while, get on their good side, then go into your "presentation", i.e., HUSTLE. You begin explaining the changes in Medicare, which are true, but exaggerated, and then begin to show them examples of other companies being sued and fined for patterns of delayed payments, market misconduct, etc. You are making them fearful and can see it in their eyes!
By the way you know which insurance carrier they have ahead of time usually, so you save their carrier for last then show them examples of their company being fined and sued, as well as cancelling policies, etc. Again, making them fearful!!
4 scare tactics used:
1. Coverage - Make them think they have poor coverage, show them they don't have full coverage. (Sometimes true, but nevertheless...making them scared!)
2. Company - Make them believe their company is not a good company to be with by using examples (articles, reports, letters, etc.) that show their other companies being fined and sued for things, then show their company last.
3. Conditionally Renewable - Get them to see that they have a group policy, and show them using random examples that there are not truly guaranteed renewable in a group policy since the entire group can be cancelled.
4. Planning for Life - Show them that are not planning for life due to the above reasons and tie that in with trying to sell them a crappy "Senior Healthcare Partners" discount program for "benefits and services not covered by Medicare or Medigap policies".
We are then expected to close the sale and have them sign without ever mentioning price to them, or even discussing what they can or cannot afford. We are instructed to qualify them and then if they do qualify to GET EXCITED! Jump and down, clap your hands, slap the table, etc, then go into the close... "Ok Mrs. Jones, I am going to take care of everything for you...etc, etc, etc. NOW GIVE ME YOUR MEDICARE CARD!" Then we are told to put our heads down and start writing the policy...don';t say a word. If they give an objection, we acknowledge it agree with it, the FORGET ABOUT IT!. Go back into showing them a summary...where they are, where they want to be, and tell them again how your going to take care of everything, then start filling out app again. AND, we are told to do this as many times as it takes, that only the top 20% of salespeople can do this until they get the sale, that it take at least 5 repetitions to to make 80% of all sales...BUT, they don;t even know how much it will cost!!! This is called HIGH PRESSURE SELLING, but the whole time in training, they kept repeating over and over again, "This is not high pressure selling! If you feel like you are pressuring them, then you are doing it wrong!" Not quite...They live off of social security...period. They are poor. They lives in shacks and trailers, or at best a tiny little home.
For me, this is just not right. I was not raised that way. I have a high level of integrity as well as a good sense of morals and values. If someone did this or even attempted to do this to anyone of my grandparents when they were still alive I would have hunted them down until I found them and then strangle the crap out of them! They teach you to be a sleazeball, conniving, deceitful used car salesman, and all the while somehow convince you that is not what they are doing. They use the "group mentality" against you once you are in training, and over the phone they sell, sell, sell you on the job. Also, I saw with my own eyes in Dallas the "recruiting department", which I know realize is a bunch of 20 somethings getting paid chump change to just get people hooked on a lie. I don't even think they are aware of what they are doing though as I spoke to two of them and they are not the brightest people. They just read a script, just like the "call center".
I do not work that way and I will not work that way. They got over on me for a while because they are very good at selling...at selling you on the job! Any reputable company that has a good name and offers a good, legitimate opportunity does not need to sell you on working there. You want to work their because they have a good reputation, a good name, and offer a good opportunity.
Don't just take my word for it though...do the research yourself.
Here is a link to get you started:
http://www.scaminformer.com/scam-report/lexicon-senior-healthcare-employment-scam-dallas-texas-c13259.html
Posted: 2011-07-17 by rural
Stay away
Complaint Rating: 94 % with 157 votes
Contact information:
Lexicon Senior Healthcare
United States
Over the course of the past week I have discovered and realized a few things about the company. I have also verified these things with other who were in my training class by corresponding with them via email and phone, although they told us in class not to exchange info with each other, which I found to be suspicious, but I did so anyway.
What I have discovered is that the so called preset, triple verified leads are absolute garbage. I have been sent out to extremely rural, economically depressed areas, driving at least an hour each way, and sometimes 2 or 3 hours, where I have to get a hotel room, and it is next to impossible to make the sale since they already have supplemental coverage that they can barely afford as it is, and you are trying to get them coverage that is better, but double what they pay or more.
The only way you are going to make the sale is if you hustle them, and I believe that is why they send you to such areas. The people are poor, uneducated and we are expected to pressure them into signing by using scare tactics and a convoluted sense of urgency since they "qualify today" health wise and they are seniors.
I have now come to realize that the presentation manual they provide us with and teach us is just plain wrong, not to mention unethical and immoral. The basically set up the appointment, i.e., "preset appointment", by using a call center, i.e., telemarketer, and never tell the senior that we are selling anything. They simply tell them that a healthcare consultant will be in their area tomorrow (by the way you don't get your appointments until the night before, so you never know where you are going or even what county out of your initial 3 you will be in on which day), and then ask them if they are aware of the Healthcare Reform happening known as Obamacare. Of course the senior says yes, and then they ask if it would be ok for the consultant to drop by and explain the changes for them. Again they say ok. They then set the time, then tell them to hold on the line and their "manager" will verify the appointment. They ask them a couple of questions that would disqualify them, such as insulin use or oxygen use, etc. If they say yes to any of those they then say, "Ok, thanks for your time. Have a good afternoon", and then they hang up. If they answer no to all the questions they tell them the consultant will be there at such and such time and hang up. Keep in mind, the senior expressed no interest whatsoever in buying any product, nor did they even get told you would be offering any products. They don't leave a number, they don't call back to confirm the appointment, and we are told we are not allowed to ever call the client for any reason, not even if we are running late. We are fined if we do so. This is because they will cancel the appointment if anyone called them to confirm. I cannot tell you how many times I have been instructed to get off their property, that they didn't make an appointment, they don't care or want to talk to me, AND we are charged $20 for EVERY single appointment regardless of if you make a sale, or if you even talk to them, or if they are even home. This is not a preset, verified appointment! It is a trick to get you in their door...a hustle!
IF, and that's a big IF, you get into the home you make small talk with them for a while, get on their good side, then go into your "presentation", i.e., HUSTLE. You begin explaining the changes in Medicare, which are true, but exaggerated, and then begin to show them examples of other companies being sued and fined for patterns of delayed payments, market misconduct, etc. You are making them fearful and can see it in their eyes!
By the way you know which insurance carrier they have ahead of time usually, so you save their carrier for last then show them examples of their company being fined and sued, as well as cancelling policies, etc. Again, making them fearful!!
4 scare tactics used:
1. Coverage - Make them think they have poor coverage, show them they don't have full coverage. (Sometimes true, but nevertheless...making them scared!)
2. Company - Make them believe their company is not a good company to be with by using examples (articles, reports, letters, etc.) that show their other companies being fined and sued for things, then show their company last.
3. Conditionally Renewable - Get them to see that they have a group policy, and show them using random examples that there are not truly guaranteed renewable in a group policy since the entire group can be cancelled.
4. Planning for Life - Show them that are not planning for life due to the above reasons and tie that in with trying to sell them a crappy "Senior Healthcare Partners" discount program for "benefits and services not covered by Medicare or Medigap policies".
We are then expected to close the sale and have them sign without ever mentioning price to them, or even discussing what they can or cannot afford. We are instructed to qualify them and then if they do qualify to GET EXCITED! Jump and down, clap your hands, slap the table, etc, then go into the close... "Ok Mrs. Jones, I am going to take care of everything for you...etc, etc, etc. NOW GIVE ME YOUR MEDICARE CARD!" Then we are told to put our heads down and start writing the policy...don';t say a word. If they give an objection, we acknowledge it agree with it, the FORGET ABOUT IT!. Go back into showing them a summary...where they are, where they want to be, and tell them again how your going to take care of everything, then start filling out app again. AND, we are told to do this as many times as it takes, that only the top 20% of salespeople can do this until they get the sale, that it take at least 5 repetitions to to make 80% of all sales...BUT, they don;t even know how much it will cost!!! This is called HIGH PRESSURE SELLING, but the whole time in training, they kept repeating over and over again, "This is not high pressure selling! If you feel like you are pressuring them, then you are doing it wrong!" Not quite...They live off of social security...period. They are poor. They lives in shacks and trailers, or at best a tiny little home.
For me, this is just not right. I was not raised that way. I have a high level of integrity as well as a good sense of morals and values. If someone did this or even attempted to do this to anyone of my grandparents when they were still alive I would have hunted them down until I found them and then strangle the crap out of them! They teach you to be a sleazeball, conniving, deceitful used car salesman, and all the while somehow convince you that is not what they are doing. They use the "group mentality" against you once you are in training, and over the phone they sell, sell, sell you on the job. Also, I saw with my own eyes in Dallas the "recruiting department", which I know realize is a bunch of 20 somethings getting paid chump change to just get people hooked on a lie. I don't even think they are aware of what they are doing though as I spoke to two of them and they are not the brightest people. They just read a script, just like the "call center".
I do not work that way and I will not work that way. They got over on me for a while because they are very good at selling...at selling you on the job! Any reputable company that has a good name and offers a good, legitimate opportunity does not need to sell you on working there. You want to work their because they have a good reputation, a good name, and offer a good opportunity.
Don't just take my word for it though...do the research yourself.
Here is a link to get you started:
http://www.scaminformer.com/scam-report/lexicon-senior-healthcare-employment-scam-dallas-texas-c13259.html
Comments
Thanks for all these reviews, have been great in protecting me, so I am adding the emails I received from these people to protect others as well
Virginia
---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Email 1
THE TEAM OF JONATHAN ROTHSCHILD
CHAMPIONS DOMINATE!
Exclusive Territory Preset Appointment Division (ETPAD) of Buffett Senior Healthcare®
"Investing in each other;
a career unaffected by the economy.”
© Buffett Senior Healthcare Corp., 2016
Daily Preset Sales Appointments with Exclusive Territories
Unlike the other Teams in our division, after the 180th day on my Team, my 1st year producers are paid a $15,000.00 (fifteen-thousand dollars) cash bonus just for being part of the finest.
However, I will only allow the caliber of individual that possesses the aptitude to learn how to be a true one-call closer. The Jan. 2015 - August 2016 success rate that Team Rothschild has achieved is now the top 5% of the top 5% of all teams in my Division of Buffett Senior Healthcare®. The elite of the elite of Buffett Senior Healthcare Corp. in the ETPAD (Exclusive Territory Preset Appointment Division) that are under my management are referred to as, "Champions Dominate". THOSE HIRED TO BE ON MY TEAM I GUARANTEE NO LESS THAN $100K FIRST YEAR.
If you are receiving this email, then Team Rothschild has an exclusive territory available in your area of your state. Go to BuffettSeniorHealthcare.com and then I want you to apply for a position by simply clicking on the Apply tab in the upper-right corner. That way the interviewers will know you are seeking a position on one of my Teams, the very best. Be sure and say you were referred from my email, as I am only emailing this to those of you that my CareerBuilder Talent Network member resume query indicated were the best fit for a potential position on my specific Team).
All of my Buffett Teams are currently maintaining the status of the top 4% sales producers in the entire nation of all of the Buffett divisions. We will only accept the most success-driven applicants.
We live the American Dream.
We take care of our own, we get each other's backs, and we love our customers.
We make more money than all the others.
We are true American capitalists.
How hungry are you?
-j
Jonathan Rothschild
ETPAD Regional Training Director
Exclusive Territory Preset Appointment Division
Buffett Senior Healthcare Corp.
www.BuffettSeniorHealthcare.us
“Investing in each other; a career unaffected by the economy.”
VISIT BUFFETT’S ETPAD ON FACEBOOK, TWITTER, GOOGLE+, & LINKEDIN
Unsubscribe from this Email
For your Privacy and Protection, when applying to a job online:
Never give your social security number to a prospective employer, provide credit card or bank account information,or perform any sort of monetary transaction.
5550-A Peachtree Parkway, Suite 200, Norcross, GA 30092
---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Email 2
Subject:
Buffett Senior Healthcare Corp. has received your information!
From:
"Buffett Careers" <buffett@buffettpresetappointmentdivision.com> (Add as Preferred Sender)
Date: Sat, Sep 03, 2016 2:34 pm
To: <virginia@royalcareintl.com>
Virginia,
We have successfully received your information! The next step is for you to attend a live web conference interview with a Buffett Senior Healthcare® manager. This initial web-interview lasts approximately 35 - 45 minutes and will provide you with more insight and detail on our sales positions, our organization, our partner Fortune 500 companies, and the primary products we market. There are limited spots available for each web conference time, so please make sure that whatever time you are able to secure, you are certain you will be able to attend for the FULL duration of the interview. You will not be considered for a 2nd personal one-on-one interview with a hiring manager over your area unless you were present during the entire web-conference interview. Keep in mind, once all positions in your area have been filled, no further interviews will be held.
Please click on the following link for available remaining times to schedule your live one-hour online web conference interview:
http://web.buffettseniorhealthcare.com/signup ... jqbhkhatcdoyikk
Thank you,
The Buffett Senior Healthcare Corporation
Human Resources Department
"Investing in Each Other; A Career Unaffected by the Economy."
This email message is for the sole use of the intended recipient(s) and may contain confidential and privileged information. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply email and destroy all copies of the original message.
---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Email 3
Subject:
Buffett Senior Healthcare Corp. Web Conference - Not Attended
From:
"Stella Miller" <Stella.M@BuffettSeniorHealthcare.com> (Add as Preferred Sender)
Date: Sat, Sep 03, 2016 4:15 pm
To: <virginia@royalcareintl.com>
Dear Virginia,
Our system noted you were unable to attend (or fully attend) your live Web Conference Interview that was scheduled for Saturday, September 3, 2016 at 8:00 AM Central Time with us. We would like to assist you in resolving any technical issues you may have had accessing the meeting, as well as rescheduling for another time. It is possible that you were marked absent for this interview in error. If you were present and fully attended the interview then you received this message in error. If this was the case, please contact us by email at bshsupport@buffettseniorhealthcare.com as soon as possible.
If you need to reschedule, please click on the following link to choose another interview time:
http://web.buffettseniorhealthcare.com/signup ... jqbhkhatcdoyikk
If you are having technical difficulties, please click on the link provided on the reschedule destination page to submit a trouble ticket and receive tips on resolving your issues.
Stella Miller
New Careers Manager
(469) 906-2494
Buffett Senior Healthcare Corp.
"Investing in Each Other; A Career Unaffected by the Economy."
This email message is for the sole use of the intended recipient(s) and may contain confidential and privileged information. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply email and destroy all copies of the original message.
---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Email 4
Subject:
Automatic reply: Interview log in technical error
From:
Buffett Support <bshsupport@buffettseniorhealthcare.com> (Add as Preferred Sender)
Date: Sat, Sep 03, 2016 5:29 pm
To: "virginia@royalcareintl.com" <virginia@royalcareintl.com>
Please go to my Buffett Division's website (Exclusive Territory Preset Appointment Division or ETPAD) and read 100% of the site. If still interested, go to the Apply tab and follow the instructions accordingly to begin the interview process. That website is www.BuffettSeniorHealthcare.us or www.BuffettSeniorHealthcare.com.
Laura Gideon is one of my associates in the new hire department of the Exclusive Territory Preset Appointment Division of Buffett. Her direct phone number is (214) 217-3071. However, the vast majority of the time any questions you may have will already be answered within the information provided on the BuffettSeniorHealthcare.com website, if the person would simply review the site. I will leave the choice to you!
--Alexis:)
Alexis Riley
National Sales & Hiring Director
Exclusive Territory Preset Appointment Division (ETPAD)
The Buffett Senior Healthcare Corporation
“Investing in each other; a career unaffected by the economy.”
JOIN OUR TALENT NETWORK
These guys really know how the old "pre-set appointment" line catches attention and gets responses. Like others, I too
am sorry to see that you who posted your detail accounts got taken by these operators in the highly regulated field of insurance
sales, no less. The recurring theme stated by so many of you pretty well confirms the truth about them and their outfit to us
newcomers, so Thankyou for Warning us! You're making a big difference helping us/others avoid the costly disappointment.
Amazing, how some can continue on a path of building false hope and wasting others' time, effort, and $ without enough
regret to either change or stop.
Reading their website, the possibility of making a ton of money is very appealing and, what's even better....NO COLD CALLING! The appointments are scheduled for you! (It doesn't get easier than that, right!)! They promise you that you will receive a check for $15,000.00 after you complete the training and while in training, you will earn $1,100.00 while in training (4 weeks). After that, you start selling during your "learning curve" stage. They also guarantee you that you will make $75,000.00 your first year and if you make less, they will send you a check making up the difference! Congratulations, you just found your DREAM JOB! This has got to be too good to be true! Guess what.......IT IS!
You are told that because Buffet Senior Healthcare (BSH) will pick only a select few of candidates for the job, you are then sent a questionnaire to fill out to tell them why you would be the best sales person ever. You now are hoping and praying for that 2nd interview. Then they call you a few days later to tell you are then scheduled for a 2nd interview. HOT DAMN....I'm gonna make a ton of money now!
At the 2nd interview, the interviewer explains to you how BSH will invest their money in you if they choose to hire you. He points you to a website showing a breakdown. "Minimum new hire before training company investment cost: $1,285.00." How generous! They then reiterate all of the money you can make. The $15,000 bonus. The $75,000 guarantee and making up the difference. They the promise you a $1,000,00 "producer" bonus. Producers get to expand their product portfolio and/or apply for a position in management if desired. One of the greatest perks that if you get a sale, you will earn residual income (a monthly) check for every sale you make beginning the 1st month after the sale. For example, you make a sale for $150.00. Each month, you may get a residual check for @25.00 for that sale. If you sell $1,500.00 that month, your residual check will be $250.00. (These numbers are fictitious....just used as examples. Each month, you earn more residual income for each sale. By month 6-7...or more, you're making a TON of money just on residual income. Don't look now, but you are on your way to being a millionaire! You are also told that the total "average" partner plan weekly commission is $473.00 or more! Wow!!! That's almost $25,000/year for doing nothing! At this time, you are praying to God that you are selected for that 3rd interview which is often scheduled the next day or a few days later.
Ahh, we're finally at the 3rd interview. You've already invested about 2 1/2 hours of your time with the first two interviews. Now you're speaking to a guy who has a bit of difficulty speaking English....sounds Middle Eastern. He informs you that he is employed with a training company *NOT* affiliated with BSH. He then tells you that you have been hired with the company and before you begin, you must complete training with their company. Again, if you want to work in the "Exclusive Territory Preset Appointment Division" (the only Division in the company that gets all oif these financial perks, He then tells you that the fee for this training is $1,000.00. You have heard/read NOTHING about this at this time. Not in the 1st interview. Not in the 2nd interview. Not on their website! This guy will try to convince you that all of this was discussed at the 2nd interview but he is completely full of S____!
Here is the scam! If they suck in 20 candidates a month to pay this fee, they will earn $20,000,00 for that month, which comes down to $1,040,000/year! Now start thinking.....if this company is just 3 guys blowing S___ up our collective AS____S, they will make almost $350,000.00 each!
Now, if they get caught with this scam during this year, they still would have made a ton of money before they are closed down.
Ask yourself these questions: If Buffett Senior Healthcare is such a wonderful company offering the BEST programs to Seniors, why have you never.....in your life...heard of them!?
Why,
SCAM! SCAM! SCAM! SCAM! SCAM! SCAM! SCAM! SCAM! SCAM! SCAM!
I went through the interview process, and not one person I spoke to had an american accent. On my second interview I asked the person (who was obviously reading a script) if he truly lived in the US, he answered yes. My parents live in Mexico during the winter, so I know the lag time associated with VOIP in the states vs other countries. I then scheduled the 3rd interview with the intention of seeing if this person had a foreign accent. I take the call from a Texas number and the guy on the other end does a pretty good job of initially disguising his accent, but the connection was horrible, and the lag time was even worse. I was very upfront with him and asked him if he was located in the states as he proclaimed to be. He said that he was! I preceded to call him out on the lie. He got very upset with me, and in his response, I realized that he had a very strong accent, telling me he was offended that I questioned his sincerity.
There may be an opportunity here, but it's not what they say it is. If they couldn't be honest about outsourcing their interview process, then what about their business practices?
I recommend looking at LinkedIn profiles for employees, you'll notice that there are very few. I reached out to one guy via InMail. I got a quick response and even spoke to him over the phone ( nice guy ). He said the training was good, and that the appointments have been good. He said hes made some money, but had only been in 5 months. He had no previous insurance experience, so his leaning curve, could reflect that.
Facebook profiles seem fake, and there are little to no news articles related to this company.
Hope my review helps.