STAY AWAY FROM THESE PEOPLE!!! Long story short, when something sounds too good to be true, it nearly always is. I was suped into being toldthe health care policy I was exploring was a "special offer" that would allow me to sign up as a part of a group, and that there was "no way of knowing how long the special offer would last". When I went to Markel's website (one of underwriters), there was no info available except to brokers. When I received my computer confirmation today, I saw it was listed as Homeland Healthcare. Imagine my surprise when I saw a link on the same page to this complaint website. Feeling too stupid to live after reading all of the others' complaints, I found that the check card I had used for the purchase was still processing the charge, and after calling my bank found that the charge cannot be disputed until it actually goes through. (The company did not accept American Express, which should have been my first clue). I did call Homeland Healthcare directly and they sent me a form that I have to fill out and FAX or hard copy mail, and then "sometime" in about two weeks from that date they will issue a refund for everything except the "one-time setup charge of $99.) I hope I can get the bank to dispute the charge once it completes processing while I mail the cancellation form overnight by return-receipt-required. I wanted so desperately to believe. I will aso be writing to both my and their states' Attorney General's office, to all of my professional associations, to AARP, AAA and just for good measure, will also write to the US Senator from my state, the Hon. Lindsey Graham. PLEASE!! Stay away from this type of scam, and tell all your friends and co workers as well. I found them because I have a pre-existing condition (diabetes) and recently lost my job and cannot afford COBRA, even for the short term.
A marketing rep. By the name of Erica called me to discuss this health package. I told her I needed to read what was being offered. She said I could read about the policy online. She also said I had 48 hours to decide if I wanted this policy. If I did not call her back I could not get the policy at the price quoted. I decided I did not want this bogus policy, so I did not call back. Within 72 hours of talking with Erica my bank had a withdrawal request from this bogus company. The bank is reversing the charges and blocking them from anymore charges. Do not even talk with theses people as the policy is not an insurance policy.
This is a FRAUD company. They mispresented themselves to us, as they were a Health Insurance Company. We found out right away that they were not and canceled the policy right away. They refuse to reverse the charges, because they survive off victims like us.
Don't buy it, they are not honest, just fraud!
Thankfully, I ran across this site or I too would of been scammed!!! Yesterday I spoke with someone from America's Health Brokers (AHB) about a healthcare insurance policy provided through Homeland Healthcare. I was happy because my pre-existing health problems were covered with no waiting period, no deductible, no co-insurance and no co-pays. YEP, it sure sounded to good to be true... well, as the old adage says...IT IS TOO GOOD TO BE TRUE!!
I spent over 6 hrs last night researching Markel Insurance, Markel Corporation, Homeland Healthcare, and AHB websites. Everything seemed to be on the up & up, but being skeptical (and exhausted) in these days of scams and scam artists, I felt another set of eyes and a fresh brain were in order. I sent my son the emails I received and all the websites I checked. He checked things over and did research of his own. He felt that most of it was legit, but expressed concern about the broker and agent at AHB. After speaking with him, I contacted my states Insurance Commissioner’s office, and spoke with both a legal advisor and a lady in the Consumer Complaints office. After consulting with the legal advisor, she pointed out this was a supplement/indemnity policy…. Not your basic health insurance. Hmmmm, the guy never said supplement to me, but then I didn’t read the very fine print either. Oh well, a little something is better than nothing I thought… even $309/mo was better than $800/mo my state’s High-Risk Pool insurance wants to charge. As far as complaints, Markel had 5 complaints; 2 for health insurance and 3 for another problem. Not bad for 60 yrs of business. There were no complaints filed for neither AHB or Homeland Healthcare. So far sounds good. Happy dance time I thought.
DANG Woman’s Intuition!!! Something was still bugging me, so I decided to look further, letting my fingers do the walking. I went back to Markel Corp. website and started clicking away. I found a listing of their brokers but AHB was not there. Time to work the phone lines again! I called Markel Corp. home office in Glen Allen, Va. and spoke with Lisa. I expressed my concerns about the broker AHB, and a possible scam. She assured me that AHB was one of their top brokers, however, if it would be comfortable for me, I could deal with Homeland Healthcare directly. She provided me with a direct line to the Homeland office. I was within seconds of picking up the phone, yet that dang intuition wouldn’t go away. I stared at he Google search box, and proceeded to type in Homeland Healthcare, and out popped Homeland Healthcare Complaints. I figured had nothing but time to lose to check it out.
Well, that’s my story from beginning to now, but definitely not the ending. . I read each and every complaint, and my heart goes out to all of you for the loss of money, hopes of finally having health coverage, and time spent trying to be treated fairly. If you have not done so yet, contact your states Insurance Commissioner and file a complaint with them. They also have legal advisors who may be able to help get your money back, it’s worth the time and effort.
My next step is to call the broker and advise him I have no use of his services. I will be more than happy to tell him why. I ‘m unsure if the agents/brokers are aware of how Homeland Healthcare treats their consumers, but my aim is to make them aware if they are not. I am considering a letter campaign to make others aware of these scam artists, as that is truly what they are. If you are interested in helping, need a sounding board feel free to contact me at [protected]@yahoo.com.
MORAL: Research, Research, and more Research until you run out of ideas or have tired fingers. If you get a brain freeze, tackle it after resting your brain Check websites such as this one. Don’t make hasty decisions; if they want your business they will allow you the time to make an informed decision!! If they don’t, SAY NO!! It’s sure to be a scam!!!
AND always listen to your inner intuition!!!
I was diagnosed with cancer at the age of 20. I come to them needing help. I told the consultant that I needed covered labs and doctor visits since i get them every 3 months. She ensured me a great plan and even though it was costly I went with it. After 6 months I got a bill for labs and it was OUTRAGEOUS bill...I was so confused. The lady's name she said was laura and the number she gave me ended up being a juicer product number. When I called the company (Homeland) they said that sometimes their consultants are not truthful and lie. There was nothing they could do...
When it came time to redo my plan in august I told them I want to cancel and they sent me a packet and I returned it. In October my acct. overdrawn and the bank said they were still taking money out for sept. and oct. When I called them they said they would not return my money saying they didnt receive my packet. I have been paying the last two months in full at the doctors office so i asked if they would refund my money I spent for sept. and oct. and they said no. I was then transfered to a very very rude lady who yelled and wouldnt let me talk. Such a bad company!!! Pls dont go with them!!!
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.
I submitted my first prescription that was supposed to be $10.00 as my agent checked on all my scripts to make sure that my generics were still covered at $10.00. I had my prescription Morphine Sulphate 60 mg and now I find out that it's going to cost me $116.00 because I have a monthly maximum of $150.00 that I wasn't told about by my agent. She gauranteed me that this prescription would cost me only $10. I do not have that kind of money, now I can't find anything out until monday, and then I don't know if I will get that prescription, and I have been taking these for quite some time for severe chronic pain. I don't know what I will do or what could happen to me if I can't take it like i'm supposed to. Help!
By the way many plans include small amounts of Critical Illness coverage (2.5K, 5K and even 10K). The NPX plans even have dental and vision discount plans included. Since Homeland pays claims it is REAL insurance BUT it is not major madical. Is is called a "defined benefit" plan. It is for the 20% (est) people who cannot qualify for major medical. In that regard it can be a great plan...although it has limits on coverage. And of course the network (BeechStreet or Multiplan) gives the the initial discounts off of the provider charges. The dishonest people posting complaints are comparing it to "major medical" plans which is not fair. I have many happy customers
Ok, well I guess I am one of the lucky ones in this string of complaints...after picking the agents brain for almost an hour to which he referred to this policy roughly 10 times as a "Group Plan" that is Nationwide I realized when I hung up the phone that this type of a policy does not exist... I am a licensed Insurance Agent and have been for many years, I write Property and Casualty so I know just enough about Health Insurance to get me in trouble...
This policy as verified with the companies home office is a "Limited Benefit Health benefit Plan" which is a far cry from "Group Insurance". While researching this as I am a sceptic by nature I came across all the complaints and the negative BBB reports and immediately called the agent to advise him that I want the policy cancelled, he advised that Jay in the Accounting Department would contact me immediately to cancel...Well, he never called me and it's been 2 hours...I immediately called my bank and got the Dispute Department as the charges were presented within minutes of my conversation with this agent, probably before we even hung up the phone...
The charge seems to have been reversed by my bank already so I am lucky, some of us have not been so lucky...
THIS LIMITED BENEFIT POLICY IS/NEVER WAS DESIGNED TO REPLACE A COMPREHENSIVE HEALTHCARE PLAN AND WILL BANKRUPT YOU IN THE EVENT OF AN ILLNESS, IT WAS CREATED FOR PEOPLE WHO ARE UNINSURABLE, OR AS A GAP COVERAGE IN ADDITION TO YOUR EXISTING INSURANCE...
Hope this posting saves someone else the Heart palpitations that I just went through, consumers beware!!
I WAS ONLINE LOOKING FOR HEALTHCARE WHEN I GET A CALL BY A REPRESENTATIVE FROM HOMELAND HEALTH CARE BY NAME OF MARIO TELL ME HOW GOOD THE HOMELAND HEALTH CARE WAS AND IF I WAS UNHAPPY WITH PROGRAM I WOULD GET A FULL REFUND BACK I CANCEL THIS AFTER SEEN THE COMPLAINTS OF THIS COMPANY. WAS ONLY REFUNFD 168.00 NOT MY FULL AMOUNT THAT I WAS TOLD BY MARIO WHEN I SIGN UP AND WAS NOT HAPPY I WOULD A FULL REFUND BACK . TODAY I CONTACT HOMELAND HEALTH CARE MEMBER SERVICE I WAS TOLD BY SOME MEAN AND RUDE LADY NO ONLY 168.00 WAS TO BE REFUND. I WAS MISLEAD BY IT'S REPRESTATIVE THIS COMPANY WOULD REFUND MY FULL PAYMENT . THIS COMPANY IS FULL OF BS AND A JOKE TO THE PEOPLE, A BIG FRAUD, CHEAT AND SCAM. PLEASE BEWARE OF THIS COMPANY AND THE SCAM THEY PULL ON PEOPLE. ~VERY DECEITFUL COMPANY ~ BEWARE **BEWARE ** BEWARE ** BEWARE**BEWARE**BEWARE
I called to get health insurance on me and my two children. I spoke with Al Brookins. He badgered me and told me I couldn't do any better for me and my kids. He told me I was a terrible provider for my kids. I told him I had a pre-existing condition with my back and I was in constant pain. He told me he could sell me some good drugs. I was appalled I asked if these calls were monitored he said he runs the whole department and he can delete this call. He says he gets hard core pain medicine and sells to different customers he says the whole damn health insurance ### is a front. They are in the DRUG BUSINESS>>>>>>
I was looking for insurance since I was not going to continue the overpriced COBRA benefits and they called...