To clarify, Homelands products ARE real health insurance, they are NOT major medical policies. There is a difference.
There's 3 types of health insurance out there:
Major medical, which 90% of you don't qualify for, discount plans which we all know you don't want, and fully insured limited benefit health insurance which is the best you can get. On the flipside, how can you expect paying for a lower cost plan to give you this INSANE amount of coverage as opposed to the higher cost plans? People buy a Bronze plan for $109 a month and expect the world. Given, there are some agents out there that willingly deceive, and as we find out about it, they are tossed out as fast as possible.
Fact of the matter is, someone always gets screwed. Whether it's Homeland, or Blue Cross. I've seen the claims for Homeland, I see the ones that get paid, and they are BIG. Sometimes, not everything works out in ones favor. Stop putting a bad name on Homeland because something didn't work right. Had you not been with homeland, you either would have had nothing or some crappy discount plan or low-end limited benefit health insurance. Like it or not, for most of you, this is the best you can get. But the good news is, it's real insurance and it works. I can't even begin to fathom how many of these complaints screwed people out of insurance altogether. Thanks everyone!