Health insurance fraud case

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PostPosted: Fri Oct 04, 2013 11:00 am   Post subject: Health insurance fraud case  

I’m just fed up with telemarketer insurance brokers. Trust me I just survived a stroke because of these nasty people. They just screwed us up!! A few months back, about 7-8...I don’t remember clearly, my husband and I were looking for some health insurance plan on the internet.



After few days of the initial registration with a vendor, we were flooded with unwanted telemarketing calls but there was a lady who sounded legit and so we signed up with HPA insurance company and they just paid less than $100 when we wanted it the most after paying 12 times more than that.



They said that my husband lied about his back problem, which he didn't. We even didn't file claim for back problem, still we were dropped. After two months that gentle talking lady called us once again and I picked up the phone. I told her that she had already ripped us off - I don’t want to talk to her anymore and just screw off.



She kept on mumbling and I handed over the phone to get rid of her and also told him that she is the lady who screwed us. I was just surprised to see that this sweet speaking lady convinced my husband to get enrolled with Blue Cross & Blue Shield insurance saying we'd get our policy in a week.



We did receive nothing but a bill of $450 after a month from an insurance company we never heard of. We didn't pay any heed. A few days later we received a phone call from Consume Choice asking for the amount and threatening.



The agent on the other side was rude and bold and told us that they were going to sue me. He backed off after 40 minutes’ repeated requests and screaming. The person told me that he’d again come after me. I knew about the lady so I didn't rely. Now I just feel like strangulating my husband to put us in this menace.


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RebeccaUtah
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PostPosted: Mon Oct 07, 2013 12:33 pm   Post subject:   

I have no idea why someone would purchase any type of insurance or investment over the phone without knowing who it was they were dealing with. But this happens all the time, and especially to senior citizens.



It is even more difficult to do so in health insurance because there is supposed to be a signed application submitted to the insurance company. Signed by the insured [adult] person(s).



If your husband has a "back problem" -- whether or not he ever has a related claim -- a failure to disclose this absolutely could result in the denial of anyone's claim under the same policy. This will change on January 1, 2014, when the ACA becomes fully implemented and preexisting conditions (in the absence of fraud) are not supposed to adversely affect a person's insurability.



But it sounds like your husband and George W. Bush have a lot in common: "Fool me once, shame on . . . shame on you. Fool me . . . , can't get fooled again." http://politicalhumor.about.com/library/multimedia/bushism_fool_me_onc e.mp3



If you believe you have been mistreated by an agent or an insurance company, file a complaint immediately with your state's department of insurance. If the complaint is about an HMO, that portion of the complaint may have to do to another state agency, but the dept of insurance will let you know.



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MaxHerr
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PostPosted: Thu Jun 26, 2014 9:47 am   Post subject:   

How can you trust on a person by hearing decent voice on a phone call? A good voice is not a proof for being gentle. Take advice from a lawyer and file case. Keep in mind that you also have to collect proves and evidence against them. Go to the insurance company office which send you a bill of $450. Talk to them and try to know why they are claiming.

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PostPosted: Thu Jun 26, 2014 3:06 pm   Post subject:   

Quote:
Go to the insurance company office which send you a bill of $450. Talk to them and try to know why they are claiming.
Really? On what planet?


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CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
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MaxHerr
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Joined: 29 Nov 2009
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Location: Pomona CA
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