Do not give this company your money! They are huge liars. They make you believe that you are getting a great deal on insurance and charge you a $135 enrollment fee. Then they charge you a fairly expensive monthly fee (but less than other insurance companies charge). They were charging me $180 per month because I wanted to have maternity coverage. Since I did not go to the doctor very much, I barely used it. I had a $500 "deductible" per year, so I didn't think I was meeting the deductible when I went for a physical once a year.
One day, I had back flank pain, so I went to the doctor, and later, had a cat scan on my kidneys. Then I had to see a specialist twice and have another x-ray. I had about $5000 in medical bills. I gave the providers my "insurance", and thought all was well. A couple of months later, I began getting bills from all of the providers with the full amounts due. I called, and the hospital and doctor's offices said that they never heard anything from my insurance company, and that they never answered their phone or responded to mail. I started trying to call the company, left multiple messages, and had no luck. Finally, I canceled my "policy" online because no one would ever return my calls. Then, someone from the company called me. I missed the call.
Finally, one hospital got a letter from a company called Careington, and the hospital thought it was an agreement to pay. It was not. It was some other garbage. But, I called Careington, and the man from that company told me that Direct Med offers medical discounts. THEY DON'T PAY FOR ANYTHING! He told me that they get hospitals to give people discounts and that the discounts bring the hospital business. What? So the hospital agrees to lose money? That is not what I was told when I purchased. I was told that this company offers insurance at a lower rate because they piggy-back people on policies for large companies such as GE or Kraft Foods.
Here is what I don't get, why didn't anyone ever tell any of my providers that they didn't pay insurance claims? The company either ignored my providers, or they gave them the run-around. Also, it was awfully funny that all my providers were on their list when I purchased, but then when I used my "coverage", I was out of network. Not "we are not insurance and we don't pay, " but "out of network". It was just one lie after another. Do not buy anything that says Direct Medical Network Solutions, Beech Street, or Careington! The Careington guy was most helpful, but any company that would affiliate itself with Direct Med or Beech Street is slime!
Was contacted by Direct Medical network solutions or US Health Benefits Group. They have 2 different names. Wanted me to sign up with 3-5 days to cancel. I canceled the second day and they would not give me my full refund back on my credit card. Michael Parker is supposedly some sort of supervisor at this company but the way his skills are at talking to customers needs to be looked at. I am a fire and rescue chief and own my own business on the side. After I tell all my customers and fire and rescue personnel about this we will make sure it's well known in our community. I am also on the Board of Directors in our community and I will make sure this is brought up at our next meeting. This company is going to lose a lot more money than my refund would have cost them.
This company told me after I signed up that I could cancel in 3-5 days. I canceled the second day. Would not refund my money. I was told that they had providers in my area. After I signed up and paid, I found out the closest provider was in the next state!! When I called to cancel, they asked why. I told them about the providers being a state away and they had nothing to say. Do not recommend this company to anyone! Michael Parker is a customer service supervisor. He's the last person I talked to and he was totally rude!