Wednesday 4th of April 2018 07:47:34 AM
I should have come to Consumer Affairs to review this company before I went forward. I've worked all day to try to find individual health care coverage in Arizona. I went to websites of major carriers - Anthem Blue Cross, Aetna, Cigna, etc. and was redirected by each of them to a telephone exchange where there were supposedly licensed insurance brokers to help me find appropriate coverage. I'm a cautious person - I was very careful. Just like other reviewers here, I asked for a website that I could review the details of the policy terms and conditions - I asked for information to be sent to my email address for me to review before buying. There were always reasons that I couldn't get the actual specifics in writing - only over the telephone - and it was stressed that I would be able to have a period of 30-days to review the materials and cancel if I wasn't satisfied or everything wasn't as described. It all seemed just slightly fishy. But after trying for hours, searching major insurance providers for options, and getting "Multiplan" recommended by numerous supposedly independent and licensed insurance brokers on the telephone, I was talking with a person who seemed by far more knowledgeable than others earlier in the day, and I went forward with her so that I could learn more about the details. I asked A LOT of questions - she referred me to an expert to help with answers - and then back to the broker to finish up. I decided to go ahead and get the information and see if the written policy was "as good" as represented verbally. THEN, they started putting me through the "car dealer" treatment... leaving me on hold for long periods as they transferred me through three layers of verification of all the information and taking my credit card number. They kept repeating things over and over and wearing me down to the point where, after about an hour of this, I was tired out and just wanted to get it done. However, as I kept listening to the "fine print" and being asked to state "I agree" to things that I hadn't previously been told or understood. But, if I asked a question, they would stop and restart the entire recording process, so they told me not to ask any questions until they finished, so as not to interrupt their multiple recordings. I became more and more alarmed. In response to an "I agree" question, I finally said that I wanted to cancel the whole thing, as per the initial representations that I could cancel at any time, which they had said was "starting now." They immediately transferred me to the "Compliance" guy, and he proceeded to berate me for more than 45 minutes, calling me names like "stupid" and saying that I must have "turrets" - that I was talking in circles and making no sense. When I said I simply wanted to cancel, he asserted that the carrier (who was part of the Federal government) would not allow me to cancel unless I could give satisfactory reasons, to him and the carrier, and they would decide whether they were willing to accept my reason. I explained that I simply wanted to cancel because I didn't like the way I was being treated and I didn't like the company - he said that I should know that I was talking to the Federal government and they didn't care... didn't I know that the Federal government and Obama Care make the rules and they don't need to care? It was all getting pretty crazy - he even accused me of not caring about ISIS... what? And he said that he wouldn't allow me to cancel unless I could give him the exact name of the insurer, and he would bet that I didn't know the name. Finally, after more than 45 minutes of abuse, I said that I would have to call Visa and ask them to cancel the transaction if it posted to my account. He replied... "Go ahead... there is nothing that Visa or you can do. We have recorded everything that you agreed to, and you are stuck", and he also said they have done this to others that tried to cancel a credit card transaction. AND HE SAID THEY ALWAYS WIN because they have great recordings of every stupid thing that I said.I'm still shaking as I write this and I'm very emotionally distressed and upset. I finally just had to hang up the phone... this guy was going to stay there and continue yelling at me until I caved. I truly believe that this is a complete shake-down - if you ask and they refuse to cancel, they get your first month's payment, at minimum, and who knows what happens after that. I never post reviews (I think that is a risk), but in this case, this was behavior so unconscionable, I had to try to help other consumers figure this out before they get hurt like me.