Homeland Healthcare / Dishonest Representation
I had been denied medical insurance through Kaiser and tried to find other medical insurance through the internet. Joe Borack of Homeland Healthcare was the 1st to reply to my request for medical insurance info. He described an insurance coverage plan that sounded too good to be true. He told me that it was just like group coverage through an employer & that it was available because there are sometimes some extra slots available through large companies (not sure of the exact quote). So this was something I should jump on. He told me many things that were not true (at the end of our conversation, I was convince that it was GREAT) he said I'd be recorded that that they'd stress that it was supplemental coverage, but that was nothing to worry about -- he explained that it meant that they'd cover more than full insurance, as well as some other inaccurate.
I should have done my research, but I bought into the things this man was telling me. When the contract arrived, it looked awful. I telephoned immedicately to find out what exactly would be covered. I was given the "run around" and told that they could not tell me until they received the bill from the doctor. I should have cancelled then and there, but I trusted. I bare much responsibility in this poor decision, but I was lied to beyond belief! I will no longer trust sales people and I will do my research. This was a scam and it now will prevent me from applying for coverage through the state -- as a person must be uninsured for 6 months to be eligible for state assistance with coverage once you've been denied.
After I received the first statement from Homeland, I freaked out and did a little research -- it was too late. I had had a full physical exam, with blood work, mamogram, pap, etc. Homeland probably paid approximately $200.00 towards all of this. I will not know exact figures until statements come from all providers. That is very frightening.
When I did cancel this policy, I also canceled my credit card, as I had learned that Homeland had alledgely continued to charge former clients after they'd canceled. They were not going to take me again. What a learning experience! I could have gladly done without it. Ali P.
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- Homeland Healthcare - sent me a policy which I never agreed to purchase 
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