Direct Med / Fraudulent Health Insurance
This is a sham. Do not fall for this. You will not see or hear of the network of providers until after you sign up and pay a $135 enrollment fee, which is non-refundable. No reputable insurance company operates this way. Secondly, they will lead you into believing that it's a discount program that is honored by all doctors, hospitals and pharmacies similiar to a PPO program. It is not.
Once I enrolled, I immediately got an email saying that
"THIS IS NOTBASIC HEALTH INSURANCE. THIS OFFER INCLUDES DISCOUNTS AND/OR SERVICES PLUS ADDED LIMITED BENEFIT INDEMNITY INSURANCE. NONE OF THESE, INDIVIDUALLY OR IN COMBINATION ARE A SUBSTITUTE FOR BASIC HEALTH COVERAGE, MAJOR MEDICAL INSURANCE OR ANY OTHER MEDICAL EXPENSE REIMBURSEMENT INSURANCE PLAN." I was shocked and felt scammed. I wanted to cancel. I immediately tried and they told me that I would not get re-imbursed for the $135 enrollment fee even though I cancelled within 24 hours. I'm unemployed and every cent is hard for me. I hope that no one else has falls for their scam.