PJP Health Agency review: Fraud 127

It's interesting how this latest post by "Brokeragent1" is his/her first and only post on this website. You're not fooling anybody. We all know you are one of the drones who works at PJP Health Agency! Say hello to Dawn R. for me!

It seems to me that the rats at PJP Agency have begun to find out that people who have been scammed by them are starting to make complaints on the internet. Tell me... how long did you think that you could get away with lying to people and ripping them off? Didn't you know that sooner or later, someone was going to get upset that you ripped them off and sold them a worthless "health insurance" policy? Not everyone is as stupid as you think they are!

I think that it's time for Phil Teseo, Sr. to change the name of his boiler room operation yet again! First it was "Health and Life Direct", then it was "PJP Health Agency". What's it going to be next?

I have been an insurance agent for many years and I do know of PJP agency. They do sell real insurance as well as discount medical plans. If you can not get a medical insurance plan, they will offer you a discount plan. All agents are supposed to do this. As for there approach to the sale, well that is sales and thats how everyone in sales makes money but they are an insurance firm and they do deal with alot of top carriers and if you werent happy with what you recieved, well I guess you cant please everyone. I have worked for many top carriers and if you google other agencies you will get the same complaints. Understand what you are buying before you buy it and dont be foolish.

This clown who calls himself "B.G. concerned" obviously works for PJP Health Agency!

You are the one who is stupid, B.G.! You will be out on your sorry ### looking for a new job when your boiler room operation is shut down by the authorities!

You are all stupid...i mean seriously why would you think it was a major health insurance policy for 59.95 a month? They make you go through a telephone verification which states that the plan is not insurance and the per month price. They also send out an email verification and nothing can be charged until you return the email. Even with the new health reform they cannot turn you down for preexisting conditions but there is nothing regulating what they will charge you. You all do not listen or pay attention. You thought you were slick by thinking you were getting major health insurance for 59.95 a month and didn't listen when they tell you its a medical discount plan. if you cannot afford $1000 a month for health insurance then you still need help and thats what they do.

Got a call from them offering me, what sounded like, an insurance policy. Immediately I knew that if it was an actual insurance policy, they should be going bankrupt if their claims was true, where they accept anyone. Also, the pushy nature of the sales person raised quite a few alarms, and any attempt to get information sent to me in a manner I can decide later was barely addressed and somewhat ignored in the overall sales pitch.

The sales person also prayed on the fact that my family has pre-existing condition and that we would be lucky to get anything at all. To be honest, the discount plan they offer does not guarantee anything, and any example figures given in terms of percentages off is given in very specific areas like expensive prescription drugs, though they will try to be as vague as possible, for as long as possible. The only thing they sort of indirectly guarantee is at least 10% off, and to be honest, I am not sure whether you would get that percentage off with their help or not, as many doctors/facilities can be talked down or may even offer discounts without any effort. For instance, we had seen a doctor previous that knew we were paying out of pocket, and therefore worked some form of discount automatically in.

So essentially, it makes you wonder if you just pay them for something you get to begin with, or can get yourself, while they take your money.

Lastly, the sales person mentions quickly that they are a BBB accredited business, at which point I have yet to find them listed under the name they provide anywhere.

They should be punished for praying on the unfortunate, luckily I understood what that the claims were too good to be true, but someone else may not.

PJP Healthcare agency almost got me too!
I'm from Voorhees NJ and had someone by the name of James call me from PJP Healthcare agency like 10m minutes after getting a few health-care quotes online. He got my name and number and address from one of the quotes and proposed an incredible rate and plan. He promptly asked for my TD Bank routing # a flag threw in my head. Was this a scam? I asked for his number so I could call him back after I did some research on his company. He kept on trying to get my information and asking me why I was concerned if they were legitimate. He said, "we both know how that works and that there was no chance of me calling back" and then tried one last time to up talk PJP's incredible offer and manipulate me to giving him my bank routing # and financial information. I said I was not interested in giving my account number and information to him over the phone and was not interested in this kind of business. --> arrogant manipulative business of a scam artist working for a medical and prescription discount plan which is NOT Health Insurance that I honestly want. Swindle me... No thanks. Hope people do there research before getting sucked in.

I recently had a very similar experience with PJP Health Agency.

Please read the complaint which I have posted not only on this website, but also on [redacted] and My3cents.

/URL removed/

http://www.my3cents.com/showReview.cgi?id=87797

I have also filed complaints with the New York State Department of Insurance and the Federal Trade Commission.

You might consider filing your own complaints with all of the websites and agencies I have contacted.

You might also consider contacting your bank and filling out an ACH report in order to have the money that was debited out of your checking account by PJP Health Agency returned to you.

Good luck!