In March of 2012, I was contacted by a company, claiming to sell "Minor Medical Insurance". This was after I requested insurance quotes online. They were selling Multiplan Health Insurance, offered through the Affiliated Workers Association. They claimed that Freedom Life was the underwriting insurance company. After several Dr.'s visits I began receiving past due medical bills. At first I was thinking that the bills were sent to me before the Freedom Life paid them. This week I received another past due bill, and a statement from Freedom Life. The statement from Freedom Life read " Physician's Visits to an Outpatient Hospital Facility or Emergency Room are not covered." No one on my plan has visited either of these places for care. Clearly it had to be some mistake But when I called Freedom Life's claims department I was informed that not only had that claim been denied, but each one of my claims had been denied. This goes back nearly a year! After speaking to everyone in the company, Homeland, and Compass (some of their other entities) they still will not pay up. I have given them over $$$$ and have only received a discount for using an "In network provider". This is only about a 5-10% discount. I figure if I start here I can get information on what my next step should be. I do not want this to happen to anyone else. Here is the feedback between the Compass representative and myself: I hope you are having a wonderful day so far. We have reviewed all of your bills. A summary of our findings is below:
Make Payment To
Total Charge: $75
This claim is correct and was processed appropriately by Freedom Life. The PPO discounted amount was $15 since the provider is participating with the MultiPlan network. There was no benefit applied as you do not have benefits for Physician Visits at an Outpatient Hospital. We confirmed with Kelly at Freedom Life that this charge was billed as a Physician Visit at an Outpatient Hospital. Kelly also confirmed that the claims from April and May from this provider had the benefits applied the same way.
Please make payment to provider.
As we have only received your Explanation of Benefits, please refer to your bill for payment information. The above payment responsibilities do not include any payments you’ve already made to the provider or any changes that the provider may have made to your account. Kelly at Freedom Life confirmed that should you cancel your policy, that you can still have old claims reprocessed if they are incorrect. Please let me know if you have any questions or if we can assist further.
Lead Health Professional
Compass Professional Health Services
My Response to this, please note that they have scammed me:
I have attempted to speak with billing at the XXXXX where my family and I have been seen. I will let you know what I find out, because you had not spoken with them. I was under the impression that you would speak to the XXXXXX on my behalf. You have only spoken with the SCAMMERS. Those were all REGULAR MD VISITS, and not OUTPATIENT or ER visits. I feel as though this was some type of SCAM and I will be contacting the BBB. Also if you could, please send me the number to the corporate headquarters. If you don't have it just let me know which number I should call. Thanks for talking to the same SCAMMING claims dept. that I had already spoken too. In other words thanks for nothing! I'm pretty sure you only followed protocol. It's absolutely sad that I was taken advantaged of for just under a year. Here I was thinking I was protecting my family and myself, but that was not the case. I should have researched more, that is my own fault. I can just bet the $$$ that I have put into this "Minor Medical" SCAM that this happens all of the time. To think I paid out ALL of that money for a $15 discount on bills that range from $60 and up. Who in their right mind would pay $XXX a month for a $15 discount!! I am definitely going to speak with my lawyer about seeking legal action, for compensation. While I am at it I will be sure to find out how many others have been scammed. Maybe a class action lawsuit will be in order. My lawyer may be contacting you soon.
Hope you have a great day Michelle.
**Please note that this was edited for this post, but the original is available.