US Health Group — junk insurance exposed
US Health Advisors, US Health Group, Freedom Life a very well orchestrated scam, pulling the wool over the eyes of unsuspecting people. The Agents start by saying they have a "no deductible" This is deceiving. The primary plan (Premier Choice) is a Limited Benefit health plan. It pays $75 for a doctor's office visit for sickness. The insured gets 3 sickness visits. The same goes for accidents. None of the providers want this type of insurance. Prescription coverage is a joke. ($35 max for brand name) Same for lab work ($30 max). The Agents will tell you there is an upgrade to "major medical" even while in-claim., subject to a $3, 000 deductible. While true, the agents fail to tell you that when you upgrade, you'll pay a much higher premium (not specified) and that all back premiums must be paid as well. In addition to increased premiums (amount not disclosed) and paying all back premiums from inception, the insured, if he upgrades, must switch to a government plan the first moment it's available. Thus transferring the risk and subsequent claims. For Agents, it's a classic example of greed over fiduciary responsibility. The commissions paid to Agents is enormous. By the way, insureds will not get any wellness visits or immunizations for children. Much of the time, agents omit this or try to "sell you" By the way, the insureds will pay a huge penalty/tax of 2.5% of income in 2016. You will be tipped off by a required membership in an association you’ve never heard of in order to get the insurance. In essence, the insurance policy is issued to the association and the insured is getting a "certificate". This is the loophole that US Health Advisors, US Health Group, Freedom Life. By the way, US Health Group is a subsidiary of Credit Suisse. Agents use this to make it sound more legitimate. US Health Group owns US Health Advisors as well as 2 very small insurance companies, Freedom Life and National Foundation Life. Agents will say that these insurance companies have an A+ rating. This is a BBB rating and NOT an AM Best rating. The AM Best rating is the only rating that matters. Look it up. The rating is "B-Fair" Credit Suisse is now prohibiting the use of their name in marketing materials and agent presentations. (Complaints are mounting) Beware of this Junk Insurance Pre-existing conditions issues. These plans are subject to medical underwriting. They only take healthy people because they do not want claims. Insurance companies have been notorious for telling people that "even though you just found out you had xxxxxxx disease/condition, you no doubt had it before you were insured" In other words, it was 1st manifested before your issue date, therefore all associated claims are NOT COVERED. Do not be fooled by these gypsies in the insurance business.