I applied to SCBN on the internet and was denied because I had insurance. The next day, Jim Moran of SCBN called me and after finding out that I had minimal prescription coverage (but some! which is supposed to disqualify me) he convinced me to give him my credit card information and join. The next day I received a long email which informed me that I would have to go to my doctor's office to pick up my medicines. Since my doctors are a three hour round trip away, I called to cancel.
I found out that my credit card had already been charged a $50 membership fee and $60 monthly fee for prescriptions and that it was up to the Board of Directors whether I would get a full refund. I was told to explain everything to the BofD through their website's support center, which I did. Then I got another long email telling me I had to return all 'forms or work product' to them--which I haven't received--in 30 days, and provide written documentation that I was ineligible--in 15 days. They didn't provide an address so I called and was given a PO Box.
They gave me examples of ineligibility: a letter from my insurance company, proof of increase in income, a drug company's letter informing me that my appeal was denied, a letter from my doctor saying that my medications had been discontinued.
All this and I haven't even signed any agreements! I have made many phone calls about this to them and never get any clear answers. I called my insurance company and they are going to send me a letter saying that I have prescription coverage, but will I get it to SCBN in 15 days? I have a really bad feeling about them.