Mega Life And Health - Beeach Street Healthmarkets - united Health Care, student Insurance Not What I Was Sold, $310,000 Runaround from Mega Health and Life Nick Trovada United Health Care Beech Street Dallas Richmond Hills Texas

All of Mega's policies are limited and catagorized as just that "limited" In fact, the Mega policies have had sooooooooo many complaints in the past that Mega will no longer be offering those policies. So if you plan on going back to Mega, have fun because you cant. Keep your current policy with United Health Care it is a Major Medical.

Mega is going to Midwest then it is going to Chesepeak- again all limited plans. THe problem is not necessarily the agents. They are people who usually want to do what is best with what they have. The problem is what they have.

I was doing a search on United Healthcare and found this report. I had MEGA Life insurance and let it go because it was the only way to take my soon to be ex-wife off of the plan. I had no trouble terminating the policy. The only reason I am considering another insurance other than MEGA is becuse they can not re-write my policy for 60 days. When that 60 days is up, I will go back to them. I think your gripe is not with the companies that you have those policies with but with the agents that sold you those policies. I know that the MEGA plan can be built to have far more insurance available to you than you can get with Blue Cross. It will cost more as you put more extras on the policy but you will be covered like no other.

One thing that really jumped out in your report is all of the insurance companies you have insurance with. Why do you have so many policies? It looks like you were scared of something big happening to you health wise! I just find it hard to believe that with all of those insurance policies you did not get very much of your bill paid.

What did you tell these agents when you met with them to get the insurance? Did you give them a budget to work with? Was it a small budget? Sounds like it from what I know about MEGA policies. I will be getting a United Healthcare policy this week but for only a short time. I am sorry you have had a hard time with your situation but I really think your gripe should be with the agents that sold you those cheap policies!!!

I would call up the department of Insurance and file a claim or NAIC directly. Your situation is the reason why nobody especially a 19 yr. old should ever try to custom design their own plan based upon needs that they have no idea they will need in the future. Again, sorry about the Mega plan.

Ps. Mega had lowered their rating and are soon to leave the Market Place- however, the company HealthMarkets will still remain.

How many of the people that responded to my complaint are licensed Agents? How could anyone in there right mind have sold this limited policy to me at 19 yrs old?I was told with such a convincing voice that it was just like the B/C B/S policy I had before. To answer the one post that had mentioned that "at least you had some insurance and you were taken care of quickly", I would be better off if I DID NOT HAVE this policy from Mega. The declined my rehab in and out of the hospital. I still have limited mobility and suffer from severe pains. If I was told the truth at the time of purchase, I would not have bought this policy. I was also told that I should have read the information booklet that was "online". Not only was I never mailed a complete information package about my coverage, but at the time of purchase the file I had tryed to view on line was not available. I learned about my policy while I lay paralized in the intensive care unit and they denied my PAIN MANAGEMENT/pain medicines!Again, the marketing of this product was deceptive to say the least! To add insult apun injury: they denied any and all chiropractic claims. The reason and I quote"benifits are only available post operative while under hospital care". Give me a break!

Are threr any lawyers that are willing to look at this case. Business Weekly has completed an article about me as well as an online magazine. Any help would be appreciated.

'Andromeda, whoever you are, you really need some help.'

Speculation. Irrelevant.

'Fact is you are not a current agent, past agent, broker, or customer.'

Speculation. Irrelevant. Guess.

'The fact that you make inappropriate posts about things that you know nothing about indicates clearly that you need a life'

If my words are inappropriate it is because your words are inappropriate because I Quote you and respond to what you say.

'Prove this wrong:
1. Mega Life and Health has been in business since 1981.
2. Yeah the stock is down right now, but: The stock price today is $24 per share. The stock price in 2001 was $9 per share. Prior to that it was as low as $5 per share.
3. The company has policies that differ based on the state you are in. Each one of those policies have choices that people have to make.
4. Mega should not be responsible for someone who had a plan in front of them that cost more money but had no limit on room and board (up to $5 million), but decided to take a plan with limits of say $800 per day because they wanted to save a few bucks.'

So what! Irrelevant to any post I have ever made, including the last one! STAY ON THE SUBJECT! Respond to the specifics in MY post. THAT IS THE POST YOU ARE IGNORING DUMMY. STOP DANCING AROUND AGAIN. YOU ARE SO IGNORANT!

'Otherwise, why not watch a movie, take your dog for a walk, or go to a bar and have a drink. 'If you do not know the facts of the company, get a life.'

Irrelevant, useless and speculation, but dramatic!

Andromeda, whoever you are, you really need some help.

Fact is you are not a current agent, past agent, broker, or customer. The fact that you make inappropriate posts about things that you know nothing about indicates clearly that you need a life.

Prove this wrong:
1. Mega Life and Health has been in business since 1981.
2. Yeah the stock is down right now, but: The stock price today is $24 per share. The stock price in 2001 was $9 per share. Prior to that it was as low as $5 per share.
3. The company has policies that differ based on the state you are in. Each one of those policies have choices that people have to make.
4. Mega should not be responsible for someone who had a plan in front of them that cost more money but had no limit on room and board (up to $5 million), but decided to take a plan with limits of say $800 per day because they wanted to save a few bucks.

Otherwise, why not watch a movie, take your dog for a walk, or go to a bar and have a drink. If you do not know the facts of the company, get a life.

Will,

I badly misunderstood part of your post, and responded very innappropriately. I apologize for that.

Will and Lee,

You have put up with me long enough. I believe you treated me better than I treated you, and I don't feel good about it. I apologize for that.

I have problems with an attitude at times.

Carry on!

To whom it may concern.

All of my comments in this thread concerning Mega and/or its agents and/or its representatives or any other individuals are purely my own opinion, and were/are not intended to harm any company or individual in any way.

Andromeda

To whom it may concern.

All of my comments in this thread concerning Mega and/or its agents and/or its representatives or any other individuals are purely my own opinion, and were/are not intended to harm any company or individual in any way.

Andromeda

To whom it may concern.

All of my comments in this thread concerning Mega and/or its agents and/or its representatives or any other individuals are purely my own opinion, and were/are not intended to harm any company or individual in any way.

Andromeda

To whom it may concern.

All of my comments in this thread concerning Mega and/or its agents and/or its representatives or any other individuals are purely my own opinion, and were/are not intended to harm any company or individual in any way.

Andromeda

Andromeda,

'I hate to have to call you a hypocrite, but as you posted already on another spot onn this site for reasons that have nothing to do with the original post, I guess you are.'

Incomprehensible sentence.

I was simply responding to your posts (will and Lee). I'm sorry you got off track and were not helping the thread Author(s). You were insulting them pretty much the whole thread, and none of it had anything to do with the original post. Which appears to be your full time normal activity. Don't you have anything else to do all day.

'The ex-employees you are referring to left for reasons that are mostly because the job is 100% commission and they could not handle going several months without income.'

Still no foundation for this statement. Pure speculation. Most reasons appear to be crummy company policies as contained in the settlement.

'As far as the settlement, when you do the numbers, it indeed is minimal. And last time I checked, the company is still in business, which means something.'

It means nothing.

Like I said, the kind of questionable acts in the settlement are priceless to discover. That's what was happening long before the settlement. Now everyone finally knows why! You left off the best part!

'But let me ask you this since you have nothing better to do with your life other than badmouth a good company:'

Pure speculation, both parts.

'1. Do you think that all 5,000 employees are crooks?'

That is irrelevant, they are what they are.

2. Do you think that no other insurance company has an agent that does something deceptive?

That is Irrelevant. we are talking about your favorite company here, not the others.

'3. And this one is important: Have you ever actually seen a Mega Policy that can allow you to make inaccurate comments?'

If there was one, you would be the first one in trouble because of your guesses and inaccurate comments about why many agents and/or ex-agents who dropped your favorite company for reasons of ethics.

Shall I get some from this thread to remind you of the guesses and untrue comments you have said to ex-agents? I guess not. You don't have any reasons for accusing the agents. You just guess and slander them, and 'dance' around issues. It is all here in this post for anyone read.

Andromeda,

'I hate to have to call you a hypocrite, but as you posted already on another spot onn this site for reasons that have nothing to do with the original post, I guess you are.'

Incomprehensible sentence.

I was simply responding to your posts (will and Lee). I'm sorry you got off track and were not helping the thread Author(s). You were insulting them pretty much the whole thread, and none of it had anything to do with the original post. Which appears to be your full time normal activity. Don't you have anything else to do all day.

'The ex-employees you are referring to left for reasons that are mostly because the job is 100% commission and they could not handle going several months without income.'

Still no foundation for this statement. Pure speculation. Most reasons appear to be crummy company policies as contained in the settlement.

'As far as the settlement, when you do the numbers, it indeed is minimal. And last time I checked, the company is still in business, which means something.'

It means nothing.

Like I said, the kind of questionable acts in the settlement are priceless to discover. That's what was happening long before the settlement. Now everyone finally knows why! You left off the best part!

'But let me ask you this since you have nothing better to do with your life other than badmouth a good company:'

Pure speculation, both parts.

'1. Do you think that all 5,000 employees are crooks?'

That is irrelevant, they are what they are.

2. Do you think that no other insurance company has an agent that does something deceptive?

That is Irrelevant. we are talking about your favorite company here, not the others.

'3. And this one is important: Have you ever actually seen a Mega Policy that can allow you to make inaccurate comments?'

If there was one, you would be the first one in trouble because of your guesses and inaccurate comments about why many agents and/or ex-agents who dropped your favorite company for reasons of ethics.

Shall I get some from this thread to remind you of the guesses and untrue comments you have said to ex-agents? I guess not. You don't have any reasons for accusing the agents. You just guess and slander them, and 'dance' around issues. It is all here in this post for anyone read.

Andromeda,

'I hate to have to call you a hypocrite, but as you posted already on another spot onn this site for reasons that have nothing to do with the original post, I guess you are.'

Incomprehensible sentence.

I was simply responding to your posts (will and Lee). I'm sorry you got off track and were not helping the thread Author(s). You were insulting them pretty much the whole thread, and none of it had anything to do with the original post. Which appears to be your full time normal activity. Don't you have anything else to do all day.

'The ex-employees you are referring to left for reasons that are mostly because the job is 100% commission and they could not handle going several months without income.'

Still no foundation for this statement. Pure speculation. Most reasons appear to be crummy company policies as contained in the settlement.

'As far as the settlement, when you do the numbers, it indeed is minimal. And last time I checked, the company is still in business, which means something.'

It means nothing.

Like I said, the kind of questionable acts in the settlement are priceless to discover. That's what was happening long before the settlement. Now everyone finally knows why! You left off the best part!

'But let me ask you this since you have nothing better to do with your life other than badmouth a good company:'

Pure speculation, both parts.

'1. Do you think that all 5,000 employees are crooks?'

That is irrelevant, they are what they are.

2. Do you think that no other insurance company has an agent that does something deceptive?

That is Irrelevant. we are talking about your favorite company here, not the others.

'3. And this one is important: Have you ever actually seen a Mega Policy that can allow you to make inaccurate comments?'

If there was one, you would be the first one in trouble because of your guesses and inaccurate comments about why many agents and/or ex-agents who dropped your favorite company for reasons of ethics.

Shall I get some from this thread to remind you of the guesses and untrue comments you have said to ex-agents? I guess not. You don't have any reasons for accusing the agents. You just guess and slander them, and 'dance' around issues. It is all here in this post for anyone read.

Andromeda,

'I hate to have to call you a hypocrite, but as you posted already on another spot onn this site for reasons that have nothing to do with the original post, I guess you are.'

Incomprehensible sentence.

I was simply responding to your posts (will and Lee). I'm sorry you got off track and were not helping the thread Author(s). You were insulting them pretty much the whole thread, and none of it had anything to do with the original post. Which appears to be your full time normal activity. Don't you have anything else to do all day.

'The ex-employees you are referring to left for reasons that are mostly because the job is 100% commission and they could not handle going several months without income.'

Still no foundation for this statement. Pure speculation. Most reasons appear to be crummy company policies as contained in the settlement.

'As far as the settlement, when you do the numbers, it indeed is minimal. And last time I checked, the company is still in business, which means something.'

It means nothing.

Like I said, the kind of questionable acts in the settlement are priceless to discover. That's what was happening long before the settlement. Now everyone finally knows why! You left off the best part!

'But let me ask you this since you have nothing better to do with your life other than badmouth a good company:'

Pure speculation, both parts.

'1. Do you think that all 5,000 employees are crooks?'

That is irrelevant, they are what they are.

2. Do you think that no other insurance company has an agent that does something deceptive?

That is Irrelevant. we are talking about your favorite company here, not the others.

'3. And this one is important: Have you ever actually seen a Mega Policy that can allow you to make inaccurate comments?'

If there was one, you would be the first one in trouble because of your guesses and inaccurate comments about why many agents and/or ex-agents who dropped your favorite company for reasons of ethics.

Shall I get some from this thread to remind you of the guesses and untrue comments you have said to ex-agents? I guess not. You don't have any reasons for accusing the agents. You just guess and slander them, and 'dance' around issues. It is all here in this post for anyone read.

Since you are now just simply cutting and pasting things in different locations, let's do that here also.

You are wrong once again.

As stated in numerous areas of this site, Mega did settle, but it is just that, they "settled".

What is a settlement? It is simply a less expensive way of just taking a deep breath and letting things go so you don't have to go through a major ordeal. Everyone knows that.

Many companies "settle". Go to google (because you are very proficient with it) and type in any health insurance company and the word "settle" after it. Let me
know what you find.

There is no admission of guilt because there is none. There are good agents and poor agents at EVERY company.

Name on company that has no issues. I know you won't respond because I have asked you this before.

I thought you were no longer responding? What happened to Last Response?

You seem to forget that I had posts on this area before you. You have made posts that really have no place here, and really have not addressed anything in MY original post.

Fact is, thesettlement you are referring to is based on allegations, nothing factual. The amount of the settlement is minimal compared to settlements for other companies in the past, and the majority of issues have to do with paperwork, training, etc. Not unethical items.

Additionally, Healthmarkets already instituted those changes several years ago because they agreed that the changes would help business. If you actually read the report, you will note that the NAIC specifically acknowledges that Healthmarkets has already done the majority of items it asked.

Finally, if you think Healthmarkets is the only company NAIC has worked with, you need to go back to their site and start over.

I am not insulting anyone. I am responding to posts that are irrelevant, nonfactual, or flat out idiotic. Which I have a right to do. Last time I checked, I don't think you have made a post yet that does not insult someone.

Andromeda,

I hate to have to call you a hypocrite, but as you posted already on another spot onn this site for reasons that have nothing to do with the original post, I guess you are.

You are wrong on the ex-employees. There are bad apples in every company. The ex-employees you are referring to left for reasons that are mostly because the job is 100% commission and they could not handle going several months without income.

As far as the settlement, when you do the numbers, it indeed is minimal. And last time I checked, the company is still in business, which means something.

But let me ask you this since you have nothing better to do with your life other than badmouth a good company:

1. Do you think that all 5,000 employees are crooks?
2. Do you think that no other insurance company has an agent that does something deceptive?
3. And this one is important: Have you ever actually seen a Mega Policy that can allow you to make inaccurate comments?

I look forward to your answers.

Lee,

None of your posts have ever had anything to do with my original post, other than you have just learned how to do Google searches, but not rip-off report searches.

Many of your 'ex employees' are 'ex employees' because of the Mega behavior that was also found contained in the 20 million dollar settlement agreement. You may want to read it.

The 20 million dollars means nothing. The findings on the deception by your employees and/or your agents is priceless. You can't get away from that, no matter what spin you put into it. It is public record for consumers and agents to see, as is the reduced rating.

'Would you buy a policy like that if it was fully explained to you? Most definitely not, and the NAIC apparently agrees. This is the primary reason why after a 3 year 29 state investigation, Health Markets has finally had to face up to all the fraud they have been responsible for. On May 29th, 2008 they were hit with a $20 Million fine. Furthermore, a scathing 'Market Conduct' report has been written as well. To read all about it visit: http://www.insurance.wa.gov/oicfiles/marketconduct/2007mc/RSA05292008Final.pdf'

'Market Conduct Report: http://www.insurance.wa.gov/oicfiles/marketconduct/2007mc/MegaReportFinal.pdf''

Maybe you should re-write the bad news in the settlement, instead of spinning it this time.

How do you know that when your insulting 'ex employees', they are not also agents? My bet is that you are insulting ex employees and agents.

I left Mega simply because of a disability that does not allow me to drive at this time. It has nothing to do with the people, the company, or the policies.

I have worked for many companies in my life and not one compares to the quality of people at MEGA, UGA, and Healthmarkets. The company does not tolerate one OUNCE of misconduct if they know about it. Not one.

The policies are good for what they are, basic catastrophic plans that are inexpensive. I and people I work with have never sold them for anything other than what they are.

1. I did not insult an employee. I insulted an "ex-employee" that told the company to "kiss his azz". I was retorting.

2. The guy who goes by "Unsure", if you actually read his posts from his first one a few months back, bases his lifes decisions on this website. That is crazy talk. My responses to him are in direct reponse to his posts and are appropriate as he says one thing but does another....whatever. I do not need to defend my posts to him.

3. The listing of complaints for other companies on Google is in direct response to your post on negativity about Mega on Google. And indeed, if you type in "Elvis Lives", "Hitler is alive", and "Face on Mars", you will indeed see proof. My point is that Mega and every insurance company on the planet has had a complaint and lawsuit, and if you read them they are all about the same garbage. Over and over and over.

4. "Who cares, it is not relevant to any post I have made. It simply means you know how to search. But then I have told you two twin apparent vacuum heads what to respond to several times already. You and lee don't seem to have the marbles necessary to understand why. lee still hasn't figured it out after I walked him through it. You two must be mental twins." You have not shown one bit of intelligence in your posts yet. OOHHHH WAIIIIT....Prove me wrong. No, prove it...c'mon prove me wrong. Prove to me that you have a brain. Right here on this site. Prove that you have a brain.

Lee,

I will agree that it is very difficult to produce an error free post with the rip-off report system. I can't do it most of the time.

This thread could go on forever. However, I must agree to disagree. All rhetoric aside, we must let the readers sort it out, if they can.

I really do wish you good luck. You are a very loyal employee.
(Please don't say THAT is speculation)

will, you are very boring. Were you on the IQ reducing machine when the operator fell asleep? I sincerely hope that was your first and last useless post on this thread. You don't appear to have the mental firepower to post on the public Internet, it showcases your machine lowered mental ability.

"I have customers that save thousands of dollars per year also and put them into HSA plans or Association 105 HRA accounts."

Prove it! You can't, can you.

"I think you were asked earlier what your problem with Mega is and what your beef
was? I don't remember you ever responding other than insulting a current agent that is actually quite correct."

No personal problem with mega. Every post I wrote is called "a response", rocket scientist.

Here is your own guy lee insulting the other agents. Did you miss that on purpose?:

lee
'Blame yourself and kiss your own azz.'

lee
'Yeah. You just it at home, drink scotch, play video games, or take out the new boat and wait for the money to roll in. Heck, you probably don't even need to speak to someone. You can just leave it on the answering machine and people sign up. I have seen the infommercials. 'Call right now as we only have a couple of openings left. Start living your dream today!'

lee
'So here is my take on you - You worked for Mega. You would call on people and you found that Mega underwrites in your state(s). So there are people that you can't make money off of. So, you go out and dabble as a broker. Now you can make money off of everyone. But not everyone qualifies still...so to make money off of those people, you talk them in to a catastrophic plan. But maybe they can't get that either, so you sell them a discount plan because, hey, you have to sell them something don't you? You can't let them find another company that might give them what they actually want. Sounds more and more like the same people that you are criticizing.'

lee
'If you as an 'ex-agent' can say that you left because of your conscience, then that means you were selling your customers limited plans but telling them they had better coverage than they had, when they could for just a few dollars more had more coverage.

"I used to work for the company and have no complaints on the products. Sure, they have limited, crappy plans, but the do indeed also have very good plans that are available to people."

Why did you quit? You complement lee very well with your mental abilities."

"And by the way, I went to 'Google' and searched every company I could think of and put the word 'complaints' in after, and there are indeed pages and pages and pages of complaints."

Who cares, it is not relevant to any post I have made. It simply means you know how to search. But then I have told you two twin apparent vacuum heads what to respond to several times already. You and lee don't seem to have the marbles necessary to understand why. lee still hasn't figured it out after I walked him through it. You two must be mental twins.

"Who do you have insurance with? We can try that one next."

None of your business, it's personal information, rocket scientist.

Evidently, in this case, two vacuum heads are not better than one.

Neither of you seem to have the ability to understand what is going on here. Save your keyboard.

Andromeda, you do not seem to be very bright, and I for one do hope that was your last useless and out of place post.

I have customers that save thousands of dollars per year also and put them into HSA plans or Association 105 HRA accounts. Prove it? Prove you are real.

I think you were asked earlier what your problem with Mega is and what your beef was? I don't remember you ever responding other than insulting a current agent that is actually quite correct.

I used to work for the company and have no complaints on the products. Sure, they have limited, crappy plans, but the do indeed also have very good plans that are available to people.

And by the way, I went to "Google" and searched every company I could think of and put the word "complaints" in after, and there are indeed pages and pages and pages of complaints.

Who do you have insurance with? We can try that one next.

You must have a very boring life...you are giving English lessons on a blog? FYI, I use a wireless keyboard, and sometimes it misses a letter, and I do not do spell check (nor can you on this site). But since you are so smart, let's take a look at your childish, smarty pants responses:

Andromeda - Submitted: 7/26/2008 5:55:20 PM - You used "with with" consecutively.
You did not capitilize "one" at the beginning of a sentence.

Andromeda - Submitted: 7/27/2008 8:53:16 PM
Title - "You still must be having problens" - You spelled problems" wrong
You used "You you", when you should have used "You"
The words "self interest" should have a hyphen. Let me help you - should be "self-interest"
The sentence "If it is not I will inform you so that will be aware of it." You forgot the word "you" in a spot.

Andromeda - Submitted: 7/31/2008 12:18:03 PM
The words "self interest" should have a hyphen. It looks like this --->"-"

Andromeda - Submitted: 8/1/2008 8:32:19 PM
"lee" should be capitalized.
"Did you ever get through High School?" - Talk about crude? I got farther than you ever will.
"mega" should be capitilized
"Show everyone where I asked you to quote more statistics You can't do it." - You missed a period.
"You have also been on here ignoring the the authors concerns and agent concerns" - You used "the" twice.
"You're seem to be making mega look worse every day with your apparent bad attitude toward your customers" - The word "You're" is a contraction for "You are". I think you meant to use the word "You".
"In addition you consistently act as if you know things that you couldn't possibly know just to throw mud and create a smoke screen". The words "In addition" are a dependent clause at the beginning of a sentence and should have a comma after them. It looks like this ----> ","



Now on to your idiotic post:
1. "With all of your apparent brainpower, you most likely would not make it in the real world." PURE SPECULATION. By the way, I have made it this far. I am doing fine, and I do not live in a trailer in Roswell.

2. "My gosh you appear super dense. You answered with MORE STATISTICS AGAIN. " - Yes, I did. So what? If you knew anything about insurance, you ould know insurance is about statistics also.

3. "What is the matter with you? You can't seem to do even the simplest thing. Did you ever get through High School? " - What is the matter with me is that I can't stand uneducated hypocrites like yourself. I had some questions for you too and have not seen an answer to a single one.

4. "Why did mega lose its A rating. Give details about what they did wrong. You don't want to talk about this right?" - Who knows? Who cares? The economy is tough for every company. Last time I checked, the majority of health insurance companies do not have "A" ratings. Mega never had an "A" rating, it was "A- (Excellent)". Now it is "B++ (Good)". In case you were not aware, AM Best has 16 rating levels and "Good" is the 5th highest in there. Gee, that sounds pretty darn good to me. The stock for the company is seven times...that is correct "SEVEN" times higher than it was just 8 years ago. So I think I will stick around for a while. It sounds like a pretty solid company to me.

5. "The answer is still 52". Who cares? I have not taken the time to jump through your childish hoops. So, why don't you type in "Mega Health" and see that you get 15 hits, and the majority of responses are from loser ex-agents. Where ever I look and see negativity, no matter where, the majority are from loser ex-agents that could not hack it in tough sales environment.

6. "You have also been on here ignoring the authors concerns and agent concerns" - WRONG. I have addressed the ex-agents concerns about the company. The authors concerns are due to whatever policy they purchased, which sounds like a student policy. No matter who you get a student policy from they have low limits. That is why they are cheap. Oh, I guess you did not know that. Try checking out Pickering or United Health Care. By the way, United Health Care bought the student insurance from Healthmarkets a couple years ago. So now they are the ones with the limits.

7. "You seem to act like you hate your policy holders, and wouldn't give them the time of day" - PURE SPECULATION - You must have been confused with someone else. I don't recall indicating that. My customers are quite pleased with my responsiveness, and I have never had a complaint otherwise.

8. "apparent bad attitude toward your customers" - PURE SPECULATION - See #7.

9. "'Policies I sell are top notch in the states I work in. My customers are able to open up savings accounts and put literally $4,000 to in some cases $15,000 in savings a year away for retirement.' PROVE IT!" - Prove it? LOL. I don't need to prove anything to you at all. Tell you what. You hop on your spaceship and fly to Massachusetts, and I will prove it. I have HUNDREDS of positive emails from my customers. Why bother posting anything here? You will just be an idiot and say I made them up.

10. "lee, you appear to be easily out gunned". Really? By 11 ex-agents? I was not aware of that. How am I outgunned? Because I am being honest about something I know about? You are not even a customer or an agent apparently, so what do you know other than what you read on this site? Did you know that Elvis is alive? Do a search on Google and you will find it.

11. "I am leaving this thread. I got real bored with the mega rep" - GOOD

This is a great day in the health insurance industry! Rarely is an insurance company held liable for improper conduct. The majority of the time the "Big Guy" takes advantage of the "Little Guy" and sadly the "Little Guy" has no recourse. But this is not the case today! After many years of repeated violations of insurance conduct laws the NAIC- (National Association of Insurance Commissioners) has levied one of the largest market conduct fines in insurance history against Mega Life & Health insurance company, Midwest National Life insurance company, a.k.a. Health Markets, formerly known as U.I.C.I. a.ka. NASE - National Association for the Self Employed & Alliance for Affordable Services. The fine is 20 Million Dollars and in my informed opinion, it is not nearly enough and it has come much to late!

Health Markets has been slinging their garbage for many years across the country to many thousands of innocent consumers who had no idea the extreme limitations included with the so called insurance coverage provided by Mega & Midwest. They have consistently offered "schedule plans" which pay out an average of only $100,000 per illness (even though the policy is sold as a plan that covers you to One Million or Two Million lifetime). Their coverage traditionally also has no "stop loss number". This has lead to many innocent consumers suffering catastrophic financial losses.

The lack of a "stop loss number" is a very dangerous policy design. To further explain. The term 80/20 is often used when describing how a health insurance policy works. The typical major medical health insurance policy has an 80/20 of $10,000 "co-insurance" percentage split. This quite simply means that after you have satisfied your calendar year deductible the insurance company will pay 80% ($8,000) and the insured will pay 20% ($2,000) of the first $10,000 in medical bills that you incur. This first $10,000 is known as the "stop loss number". After this brief sharing arrangement is over the insurance company pays 100% up to $5 Million per insured for the rest of that calendar year for in network treatment. Everything starts over again on the first of each subsequent year. This greatly reduces the risk to the insured and it is a standard policy design feature included with most legitimate health insurance policies.

In stark contrast, in the case of the "schedule plans" offered through the two aforementioned companies, the terms "co-insurance" and "stop loss" are very rarely if ever discussed with a prospective insured. This is because they have a direct effect on how much the insured will pay in the event of a worse case scenario. Worse yet, Mega & Midwest have traditionally been offering their policies with No Stop Loss Number. This means that if the bill is One Million Dollars, the consumer would pay 20% of that amount ($200,000) before the insurance company would pay 100%. However, with the $100,000 maximum pay out per illness clause included with their insurance contract, Mega & Midwest would still only be responsible for $100,000 regardless of the size of the bill! What a sweet deal for Mega & Midwest. Arguably the worse part about the coverage they offer is the fact that it costs the same or more than a major medical policy without all of the dangerous limitations included with their schedule plans.

Would you buy a policy like that if it was fully explained to you? Most definately not, and the NAIC apparently agrees. This is the primary reason why after a 3 year 29 state investigation, Health Markets has finally had to face up to all the fraud they have been responsible for. On May 29th, 2008 they were hit with a $20 Million fine. Furthermore, a scathing "Market Conduct" report has been written as well. To read all about it visit: http://www.insurance.wa.gov/oicfiles/marketconduct/2007mc/RSA05292008Final.pdf

Market Conduct Report: http://www.insurance.wa.gov/oicfiles/marketconduct/2007mc/MegaReportFinal.pdf

The following are from rip off report 357139:

"Policies I sell are top notch in the states I work in. My customers are able to open up savings accounts and put literally $4,000 to in some cases $15,000 in savings a year away for retirement."

"If you as an 'ex-agent' can say that you left because of your conscience, then that means you were selling your customers limited plans but telling them they had better coverage than they had, when they could for just a few dollars more had more coverage."

"Blame yourself and kiss your own azz."

The rest are from this rip off report.

The following are from rip off report 357139:

"Policies I sell are top notch in the states I work in. My customers are able to open up savings accounts and put literally $4,000 to in some cases $15,000 in savings a year away for retirement."

"If you as an 'ex-agent' can say that you left because of your conscience, then that means you were selling your customers limited plans but telling them they had better coverage than they had, when they could for just a few dollars more had more coverage."

"Blame yourself and kiss your own azz."

The rest are from this rip off report.

The following are from rip off report 357139:

"Policies I sell are top notch in the states I work in. My customers are able to open up savings accounts and put literally $4,000 to in some cases $15,000 in savings a year away for retirement."

"If you as an 'ex-agent' can say that you left because of your conscience, then that means you were selling your customers limited plans but telling them they had better coverage than they had, when they could for just a few dollars more had more coverage."

"Blame yourself and kiss your own azz."

The rest are from this rip off report.

The following are from rip off report 357139:

"Policies I sell are top notch in the states I work in. My customers are able to open up savings accounts and put literally $4,000 to in some cases $15,000 in savings a year away for retirement."

"If you as an 'ex-agent' can say that you left because of your conscience, then that means you were selling your customers limited plans but telling them they had better coverage than they had, when they could for just a few dollars more had more coverage."

"Blame yourself and kiss your own azz."

The rest are from this rip off report.

lee,

It is a good thing you have Mega to work for. With all of your apparent brainpower, you most likely would not make it in the real world.

My gosh you appear super dense. You answered with MORE STATISTICS AGAIN.

What is the matter with you? You can't seem to do even the simplest thing. Did you ever get through High School?

Why did mega lose its A rating. Give details about what they did wrong. You don't want to talk about this right?

The answer is still 52. (last hint - Look at one of my posts). Show everyone where I asked you to quote more statistics You can't do it. Just admit it. You have also been on here ignoring the the authors concerns and agent concerns. You seem to act like you hate your policy holders, and wouldn't give them the time of day. You're seem to be making mega look worse every day with your apparent bad attitude toward your customers. In addition you consistently act as if you know things that you couldn't possibly know just to throw mud and create a smoke screen. For instance:

Report: #357139
"8) Yeah. You just it at home, drink scotch, play video games, or take out the new boat and wait for the money to roll in. Heck, you probably don't even need to speak to someone. You can just leave it on the answering machine and people sign up. I have seen the infommercials. 'Call right now as we only have a couple of openings left. Start living your dream today!" PURE SPECULATION.

infommercials. Spelling error.

Report: #357139
"So here is my take on you - You worked for Mega. You would call on people and you found that Mega underwrites in your state(s). So there are people that you can't make money off of. So, you go out and dabble as a broker. Now you can make money off of everyone. But not everyone qualifies still...so to make money off of those people, you talk them in to a catastrophic plan. But maybe they can't get that either, so you sell them a discount plan because, hey, you have to sell them something don't you? You can't let them find another company that might give them what they actually want. Sounds more and more like the same people that you are criticizing." PURE SPECULATION.

Report: #357139
If you as an 'ex-agent' can say that you left because of your conscience, then that means you were selling your customers limited plans but telling them they had better coverage than they had, when they could for just a few dollars more had more coverage. PURE SPECULATION.

Report: #357139
"Blame yourself and kiss your own azz." My My HOW CRUDE.

Report: #357139
"Policies I sell are top notch in the states I work in. My customers are able to open up savings accounts and put literally $4,000 to in some cases $15,000 in savings a year away for retirement." PROVE IT!

I am leaving this thread. I got real bored with the mega rep.

lee, you appear to be easily out gunned. Thanks to the agents who responded to the author. That is the human thing to do. I am a potential mega consumer, but now there is no way I would fall for mega, given the mega reps attitude toward mega customers and agents, and his inability to answer the most simple things, including consumer comments. Less than an A rating is also a huge turn off.

Keep working hard on not answering with statistics inappropriately, and try to muster enough brain to get 52 on your search quiz.

I don't need another life. I am exactly where I had planned to be. It's a great life.

It is probably time for you to retire early on your fat retirement income, and give mega a break.

Andromeda - Unless you are "Unsure" from Vallejo, CA you just proved my point. Why don't you go back up and read a few posts and you will see what that is all about. You are the one who cannot read.

Again, since you are illiterate, let me cut and paste it for you from this site:

Type in "Mega Health" in the little box in red at the top right:
You searched for: mega health
Approximately 15 Reports Found

Type in "Blue Cross" in the little box in red at the top right:
You searched for: blue cross
Approximately 38 Reports Found

I would not take anything from anyone from UFO country seriously. I am simply responding to your BS post that has no factual basis. I have just as much a right to defend a company as you do to sit there under a pseudoname and bash it.

Who are you? Why are you on this site? What is your beef? And don't use fake names such as "Andromeda" unless you are a stripper.

Lee,

Either you can't read or you still just can't get it. Where in the world did I ever ask you what the ratings of all the insurance companies are? Hint - Try hard to answer without using company ratings.

Who's post did you answer? It was not mine. Do I need to walk you through how to answer a specific post (my post) without blowing hot air instead of answering? Hint - Try hard to answer without using company ratings.

Sorry, you still seem to be having search problems. The correct answer is still 52. Lets see how long it will take you to figure that one out. Open your eyes.

I would not take anything from someone working at Mega seriously. You have a huge self interest in making Mega look good no matter what happens to your customers.

Lee,

Either you can't read or you still just can't get it. Where in the world did I ever ask you what the ratings of all the insurance companies are? Hint - Try hard to answer without using company ratings.

Who's post did you answer? It was not mine. Do I need to walk you through how to answer a specific post (my post) without blowing hot air instead of answering? Hint - Try hard to answer without using company ratings.

Sorry, you still seem to be having search problems. The correct answer is still 52. Lets see how long it will take you to figure that one out. Open your eyes.

I would not take anything from someone working at Mega seriously. You have a huge self interest in making Mega look good no matter what happens to your customers.

Lee,

Either you can't read or you still just can't get it. Where in the world did I ever ask you what the ratings of all the insurance companies are? Hint - Try hard to answer without using company ratings.

Who's post did you answer? It was not mine. Do I need to walk you through how to answer a specific post (my post) without blowing hot air instead of answering? Hint - Try hard to answer without using company ratings.

Sorry, you still seem to be having search problems. The correct answer is still 52. Lets see how long it will take you to figure that one out. Open your eyes.

I would not take anything from someone working at Mega seriously. You have a huge self interest in making Mega look good no matter what happens to your customers.

Lee,

Either you can't read or you still just can't get it. Where in the world did I ever ask you what the ratings of all the insurance companies are? Hint - Try hard to answer without using company ratings.

Who's post did you answer? It was not mine. Do I need to walk you through how to answer a specific post (my post) without blowing hot air instead of answering? Hint - Try hard to answer without using company ratings.

Sorry, you still seem to be having search problems. The correct answer is still 52. Lets see how long it will take you to figure that one out. Open your eyes.

I would not take anything from someone working at Mega seriously. You have a huge self interest in making Mega look good no matter what happens to your customers.

Wow...love the spin. When I was with Mega they heavily bashed Blue Cross in my state since they were B rated.

They went over and over in training that Mega was A rated and B meant financial instability and an agent should "never" represent a B company. Mega alway made a huge "to do" over their A rating.

Now Mega has lost their A rating and off course, all is well! Lol.

I hope Mega doesn't spent too much money reprinting all those brochures.

By the way, maybe someone can explain why Mega has the worst complaint ratio in the country according to the NAIC site which compiles national complaint data.

Personally, I'm having a great time telling all my prospective clients that Mega just got downgraded.

Once again, you show why you can't work at Mega, because you are twisting and inflating your data. Since you must not have read my post before, here it is again with ...YES....verified AM ratings:

Aetna - A- to A - Googled "Aetna Complaints" - Numerous with a recent $5 million settlement for a class action lawsuit

Golden Rule - A - Googled "Golden Rule Health Complaints" - Numerous - many about unethical broker conduct and misrepresentation. One was about being denied coverage because the borker did not put down a condition on the application.

Humana - B+ to A- - you conveniently forgot to mention Texas and Louisiana where the ratings are not so good. Googled "Humana complaints" - Numerous - Hey Humana was fined a whopping $7.4 MILLION for a wrongful death suit. New York is suing them for "deceptive practices"

And let's not forget the "other" companies you listed above previously that you say you represent but conveniently left out:

Assurant - Not Rated in most states and has a negative outlook
American Community - B+ with a negative outlook
Cigna - Only rated in 2 states but has an A-, not rated in most states
Healthnet - B+ to B++ with a negative outlook
United Healthcare - A- to A
Lifewise - B+ to A-
GTL - I assume you mean Guaranteed Trust & Life, which is not listed, but last time I ran in to them they were peddling a major scam discount product in different states that paid only $250 per day for the hospital no matter what the bill. God, I hope you don't sell that.

Once again you are a hypocrite on this site. Your lack of providing REAL and TRUTHFUL information is amazing. I did not even bother looking up the other companies because I know and anyone with half a brain would know it will be the same ol' stuff.

You are so smart. So smart that you can't read the above posts or all of your comments would have been answered. Once again to prove you wrong specifically:

On this website:
Complaints when I type in "Mega Health" = 15
Of those 15, the majority of them are from (now) 12 ex-agents, that's it! Just 12 ex-agents out of thousands who could not hack it in a sales world at Mega. Or maybe they are the crooked agents you describe and are upset b/c the company canned them.

Complaints when I type in "Blue Cross" = 38
Of those 38, the majority of posts are from consumers upset with BC.

When I go to Google and type in "Mega Health Complaints" the whole first page is listed.

When I go Google and type in "Blue Cross Complaints" the whole first page is listed.

If I want to find negativity on ANY company I can find it. Who do you have insurance with? I will look them up too and post it here.

Again - Get a life

You are so smart. So smart that you can't read the above posts or all of your comments would have been answered. Once again to prove you wrong specifically:

On this website:
Complaints when I type in "Mega Health" = 15
Of those 15, the majority of them are from (now) 12 ex-agents, that's it! Just 12 ex-agents out of thousands who could not hack it in a sales world at Mega. Or maybe they are the crooked agents you describe and are upset b/c the company canned them.

Complaints when I type in "Blue Cross" = 38
Of those 38, the majority of posts are from consumers upset with BC.

When I go to Google and type in "Mega Health Complaints" the whole first page is listed.

When I go Google and type in "Blue Cross Complaints" the whole first page is listed.

If I want to find negativity on ANY company I can find it. Who do you have insurance with? I will look them up too and post it here.

Again - Get a life

You are so smart. So smart that you can't read the above posts or all of your comments would have been answered. Once again to prove you wrong specifically:

On this website:
Complaints when I type in "Mega Health" = 15
Of those 15, the majority of them are from (now) 12 ex-agents, that's it! Just 12 ex-agents out of thousands who could not hack it in a sales world at Mega. Or maybe they are the crooked agents you describe and are upset b/c the company canned them.

Complaints when I type in "Blue Cross" = 38
Of those 38, the majority of posts are from consumers upset with BC.

When I go to Google and type in "Mega Health Complaints" the whole first page is listed.

When I go Google and type in "Blue Cross Complaints" the whole first page is listed.

If I want to find negativity on ANY company I can find it. Who do you have insurance with? I will look them up too and post it here.

Again - Get a life

You are so smart. So smart that you can't read the above posts or all of your comments would have been answered. Once again to prove you wrong specifically:

On this website:
Complaints when I type in "Mega Health" = 15
Of those 15, the majority of them are from (now) 12 ex-agents, that's it! Just 12 ex-agents out of thousands who could not hack it in a sales world at Mega. Or maybe they are the crooked agents you describe and are upset b/c the company canned them.

Complaints when I type in "Blue Cross" = 38
Of those 38, the majority of posts are from consumers upset with BC.

When I go to Google and type in "Mega Health Complaints" the whole first page is listed.

When I go Google and type in "Blue Cross Complaints" the whole first page is listed.

If I want to find negativity on ANY company I can find it. Who do you have insurance with? I will look them up too and post it here.

Again - Get a life

If someone wants a Solid Plan with a Solid Company please go to:

Golden Rule - A rating. Solid A rating with a "Stable Outlook"
Golden Rule (like Mega) is offered in several states.

Aetna = A- Rating with another "Stable Outlook" offered in several states

Humana = A- rating with "Stable Outlook" except in Puerto Rico

These are 3 companies that are Stable. Am Best states that Mega Life had a "negative outlook"

Mega Life = B++ rating "negative outlook" also with a BB+ long term outlook "negative". Sadly, they also just got hit with a $20 million fine with the multistate investigation - you can also verify this on AM Best website (news articles)

All who want Health Insurance PLEASE VERIFY WITH AM BEST the real Facts. go to ambest.com and simply type in the company you want to look up. Its easy :)

The fact is 99% of all my clients are with these solid companies. The other companies are for those who elect to go with the other companies I offer or if they can not qualify.

Some states I have LifeWise clients. LifeWise also has a "stable outlook"

God bless all, who read this even Mega Agents.

Lee,

Massachusetts is supposed to be home to some very bright people.

Wow what a bunch of irrelevant ranting for absolutely nothing. I wasn't sure what post you were responding to. It must have been mine, because you wrote Andromeda.

Sorry, you still seem to be having your problems. The correct answer is 52.

"First off. I would not take anything from someone named 'Andromeda' living near Roswell, New Mexico serious."

"GET A LIFE. Move out of Roswell. If aliens did crash there, do you think they would actually go back to the same place?"

My goodness you are really very naive.

I would not take anything from someone working at Mega seriously. You you have a huge self interest in making Mega look good no matter what happens to your customers.

Instead of blowing hot air with things that have no connection to my post or the authors post, focus on my comments. Prove where and why I got it wrong. Try hard not to throw a 'smoke screen' this time.

Your post should be very short and relevant to my post. If it is not I will inform you so that will be aware of it.

First off. I would not take anything from someone named "Andromeda" living near Roswell, New Mexico seriously.

Of course I know how to use Google, and if I put in Blue Cross Lawsuits, I find PAGES of lisitngs:

Blue Cross & Blue Shield of California Lawsuit, Disputes ...

Blue Cross and Blue Cross Lawsuits Lawyers and Attorneys - How ...

California Hospitals Sue Blue Cross

Blue Cross unit is settling the patients' lawsuits against its rather nasty habit of widespread retroactive cancellations

Blue Cross Blue Shield Association Settles Class-Action Lawsuit ...

Doctors, hospitals join Blue Cross suit - Los Angeles Times

Blue Cross Agrees to Settlement in Antiracketeering Lawsuit


There are TONS of them. I can search anyone and find the same garbage. Who do you have insurance with? I can search and find negativity on it, I promise!

If you could practice what you preach instead of being a hypocrite you would see that this "Ripoffreport" site lists Mega Health 14 times. The majority of posts are disgruntled ex-agents that could not hack it at the company. I don't know of any customers that I have sold that got "screwed by Mega". Everytime I checked in to it, the policies paid EXACTLY the way they were supposed to.

Put in Blue Cross and there are more than 30 posts, and I don't think hardly any of them are from agents. The vast majority are real customers that are PO's at Blue Cross.

GET A LIFE. Move out of Roswell. If aliens did crash there, do you think they would actually go back to the same place?

The line in the second paragraph should read:

This RipoffReport site is available showing listings of problems with Mega.

"By the way, no one reads this site. I mean, in all honesty, some people do, but c'mon, be real. MEGA insures like 1.6 million people. Even in this post toward the top someone who was a customer took the time to say that they had no issues with the company."

I mean, In all honesty, put "mega life and Health" in the Google search engine. The Mega problems start on item number three. From item number four, This RipoffReport site is available along with with the countless pages of problems with Mega. A lot more people than you even know of start with Google. Nice try though.

You should learn how to search using Google, it is a great resource for finding relevant information, and researching a variety of subjects.

Wow! one customer had no issues with the company. This always gives me a good laugh.
You can put so called 'satisfied' customers on here all day. That is almost never relevant, and means absolutely nothing in this context. It only shows that you have some satisfied customers in addition to customers that, evidently, are getting screwed by Mega.

Fine. Here is what AM Best lists the companies you say you sell for:

Aetna - A-
Humana - B+ to A-
Assurant - Not Rated in most states and has a negative outlook
American Community - B+ with a negative outlook
Cigna - Only rated in 2 states but has an A-, not rated in most states
Healthnet - B+ to B++ with a negative outlook
Golden Rule - Only listed in Indiana (A), no where else
United Healthcare - A- to A
Lifewise - B+ to A-
GTL - I assume you mean Guaranteed Trust & Life, which is not listed, but last time I ran in to them they were peddling a major scam discount product in different states that paid only $250 per day for the hospital no matter what the bill. God, I hope you don't sell that.

Seeing as how Mega is listed as B++, that seems to be in line or better than most of the plans you are selling. I would therefore say you are a hypocrite and your comment on Best Ratings is useless. Incidentally, none of those companies sell in the MA and most of the other states in the Northeast...except Cigna (only to large groups), so Mega has a better rating than all of them here.

Now to your defensive comment. You keep saying I am defensive, and I do not know why. I am not the one who could not hack it at Mega. I am not the one selling discount plans to someone who can't get a real plan, and likely not being honest with them about it. And I am not the one currently stealing money from Mega on my backends. Am I wrong? I asked about this and you would be a captive agent in CA and therefore can't sell for others as an agent.

Am I wrong? Well I still have not heard you actually give a legitimate complaint about the company. I asked you specifically what you were "taught" to do by your manager and who they were. The reason you won't ever answer on this site is simple, and everyone gather around for it:

You know that if the company knew that you were fraudulently stating false information about them or if they knew that you were selling for other companies besides Mega while at Mega, you would lose all of your backend pay because you are violating a contract.

Additionally, you would never give that information because then someone could actually investigate it and would find out that you are indeed a disgruntled agent who could not hack it.

Yes, I fully, truthfully, and honestly believe that you are making more money where you are now, because you probably made ZERO at Mega. You would likely make more money selling Amway because anything is better than nothing.

You keep saying that Mega does not offer Major Medical and you do, but then you turn around and underwrite and sell people discount plans which are a joke, yet you say people at Mega are unethical. You keep forgetting that I am licensed in multiple states, so when you say I don't know what it is like to sell in an underwritten state once again you have no facts straight. By the way, on the subject of plans Mega is selling an awesome HSA poduct in MA as of next month.

You keep touting that you can offer multiple products and I can offer only one. Who cares? I only have to remember one or 2 products. That's it! I can sell sell sell and not have to think about it. I may have to drive to an appt, but I don't have to explain to 62 year old Daisy May that I can't give her a plan because she is Type 1 diabetic..."oh, but don't worry Daisy May, I have this great discount plan that pays $250 per day if you are in the hospital and yes, that is adequate coverage."

You are the true reason that people do not like insurance agents. And believe it or not, I have written all of the above, not because I am defensive, not because I want to be the "Defender" of the company, simply because I read your posts and I laugh at what a hypocrite you are. I show your posts to people in my office and customers who do not even know about this site.

While you sit at home making your phone calls getting all pasty white and gaining weight in your chair, I am out in the sunshine explaining to people that you do not have to have an HMO. You don't have to have all of the garbage that your last broker sold you. Take a deductible if you are in the hospital. Set money aside in a savings account, because at the end of the year, the money is in your pocket. And you know what? It is true.

I sell Mega products because I choose to, not because I have no where else to go. I could work for anyone at anytime if I wished to leave. Are Mega plans for everyone? No. But neither is a major medical plan for everyone. The reason why there are differences is because people are different and their needs are different. I sell Mega plans to people who have Major medical policies now and explain the difference. I sell Mega policies to people that the policies work for, and if I do not think they will work for someone, I tell them they are better off on a more comprehensive plan. I do this and make money at it because the company does indeed offer good products if someone wants one. And I will set that product side by side with another MA company anytime, and I will bet you any amount of money that I will when the argument.

I can sit here and type these responses because someone should. You are a hypocrite, plain and simple. I double dog dare you to let people know who you are and what "issue" you actually have with Mega besides not being able to work. If you have nothing to hide or fear and you are honest, then why not? After all, with all of the wonderful plans you sell maybe you will get some business out of it.

By the way, no one reads this site. I mean, in all honesty, some people do, but c'mon, be real. MEGA insures like 1.6 million people. Even in this post toward the top someone who was a customer took the time to say that they had no issues with the company.

Get a life

Look up this address. Or just simply go to AM Best. com and type in Mega Life for the ratings.

http://www3.ambest.com/ratings/RatingsSearch.asp?AltSrc=9

http://www.marketwatch.com/news/story/am-best-downgrades-ratings-healthmarkets/story.aspx?guid=%7B9F23BF58-D295-4206-BB05-C7A91826B063%7D&dist=hppr

Downgraded!!! No long can agent tell clients that Mega has an A rating. I guess it's time to print up new brochures.

This is a sinking ship - time to bail out.

Lee- let others make a decision.


If people really want MEGA then thats great! People out there if you like your MEGA plan- Great. They are still trying to catch up to the Health Insurance Industry Standards.

Lee if you want to drive 8 hours away to another state that your licensed in -Great. If you feel comfortable selling "Only" Mega plans- Great!

If clients, feel comfortable being with only one company for the rest of their lives - Great!

If clients, get rate increases every year on Mega and never want to see other coverages from other companies- Great!

Lee can NEVER help get you on another plan with another company.

Lee wants to be the Almighter Defender for only one company. I do not know how he has the time to do this. He must not sleep. I will be leaving this post.

Lee will respond, because he will feel like he "needs" to because all of his clients are trusting him. If other agents want to put their confidence in Lee- Great!

If you are on a Mega policy, good for you. I honestly hope it works good for every single person who has the coverage. I hope you never have problems with it. According to Lee, you never will - Great!

God bless all who read this in the future.

All that I encourage others to do is to look at the coverages with other companies first before making a decision on a Mega policy.

Sorry, Lee if I have offended you bro. However, your conscience is yours alone and your situation is different than mine. I started all my posts wanting out of the company and for others to help. Not for you to jump on here and be a wild bull trying to defend.

Again, I started the post wanting out of MEGA. I believe the person who actually started this post actually had problems with Mega not paying the bills even though he had Health Insurance with MEGA. Lee started the post attacking and trying desperatly to defend Mega. Every Mega agent has to learn how to do this if they want to make it. I guess I could not. Therefore, my production fell and I guess I just could not "Hack" it as Lee says. Ok, I will believe that.

It is not my nature to argue over this kind of stuff. I am not "defensive". I wanted out of the company- I have done that. I want to thank all who have helped me do that and want to even thank Lee for confirming my choice. Thank you all!

Wrong Again.

I only sell catastraphic plans to people who can not get the better policies. Not because I enjoy selling them, but rather it is all they can qualify for. Again, you do not know about underwrtting. For you and your state that is a good thing that people do not have to qualify. For many of the states in the West - people still must qualify. That means if they do not qualify for Comprehensive Major Medical, then they also "most likely" will not qualify for Mega because of pre-existing conditions. However, MEGA is more acceptable on their underwritting because they are NOT MAJOR MEDICAL rather they are Catastraphic policies.

As an agent, I always want to get people onto a comprehensive Major Medical Plan. I do not show the catastraphic policies unless, i know, there is no way they can get approved. Then, I see through underwritting if they can even get qualified for a catastraphic plan- you know the "only" catagory of Health Insurance you sell.

In many states the Catastraphic plans that Mega offers are more expensive than the Major Medical policies.

Again, if by LAW they can not get qualified on Major Medical
Then I go to lesser coverage found on Catastraphic/surigal hospital plan.
Then, I go to discount plan for people who can not qualify for the above catagories. I do not hang up on them and say call a Mega agent - You cant help them- in our Western states.


So, let me clarify this one more time.

If I could offer every health insurance company including Mega, I would not even bother pulling out a Mega Plan in comparison to price and in comparison to the quality. Other Health Insurance Companies offer more coverage and many times it is a whole lot cheaper.


Folks, I'll be frank. I regret selling the plans with Midwest and with Mega. I always leaned on selling their highest coverage and I did about 85% of the time. However, even those plans are not so great in coverage. If I could go back with the ability to offer other coverage comprehensive major medical - I would of never even picked up a Midwest plan or a Mega plan.

I do hope that there is a BIG change in our Health Care system. If democrats get in, then yeah I might be out of a job. I am not in this to VEST as Lee must stay working for only 1 company that offers only 1 solution to health care through Mega. Lee must stay with the company for 10 yrs. to VEST. I chose to leave.

If I was in MA, that might of been different. But for the WESTERN States, my conscience would not allow me to keep moving forward with this company.

I have no fear of mentioning the companies I can sell for - Get a pen:

AETNA
HUMANA
ASSURANT
AMERICAN COMMUNITY
GTL
GIGNA
HEALTH NET
GTL
GOLDEN RULE (Individual)
UNITED HEALTH CARE (Groups)
LifeWise


These companies have different ratings. Humana is solid as is Aetna and Golden Rule. They have great ratings. However, I am not limited to any one company as Lee is. I can offer a whole lot more in different states as well. I do dental insurance and vision and Life as well from many carriers and not just from one company.

Nope. You said that you "give customers what they want". Then you say that no one wants a catastrophic plan. Now you say that you offer catastrophic but only to those people who don't pass underwriting. In another way it could be looked as you only offer people what they want if they qualify, otherwise you have to give them something they do not want.

So here is my take on you - You worked for Mega. You would call on people and you found that Mega underwrites in your state(s). So there are people that you can't make money off of. So, you go out and dabble as a broker. Now you can make money off of everyone. But not everyone qualifies still...so to make money off of those people, you talk them in to a catastrophic plan. But maybe they can't get that either, so you sell them a discount plan because, hey, you have to sell them something don't you? You can't let them find another company that might give them what they actually want. Sounds more and more like the same people that you are criticizing.

In fact, I have absolutely no idea how you would be able to sell a discount plan to someone without lying to them.


In response again:

1. You will not be able to sell in Massachusetts. And, again. If you can, you will make peanuts. Since we have established that you are out for a buck and not for your customers, I doubt you will go through with it.

2. Wrong about the States. The southern side of PA is like 10 hours. The north side of Maine is around 4 hours. Although every state in the US is "length wise" smaller than CA, that is not why I am licensed in all of the states that I am. I sell groups in some of those states.

3. You are wrong about changing Divisions. I could work for a division in CA and then switch back if I wanted. It takes a pen stroke to do it. So what?

4. I do not need to go to CA to see the plans that they have. I can get one from the company website anytime I want. Maybe they have limits on them. But again, you are selling catastrophic plans and discount plans to people that do not qualify for the other policies you are selling. And those do not have limits? You sell those with a conscience? You are being a hypocrite.


5. If it is untrue about you not being able to hack it, then why do you bother continuing to come to this site? I am defending the company that you are lying about. You broadly advertise on the internet that the company does not have good policies and I am retorting to you that you are flat out wrong. They do have good policies, you get what you pay for. I can tell that you were not able to hack it because you wanted to sell to more people than you could or you just weren't good enough at Mega at getting the right customer. That is why you say you want to sell in MA now. You want the "sure thing". The guarantee issue. All from the comfort of your own home because you are unable to get out of your chair to drive to visit with someone. What is the matter? You mean to tell me there are not enough customers in CA or the west coast? If you do sooooo great at what you are doing now, and it is soooo easy, and you are so ethical, why do you need to try to sell in Massachusetts?


6. I did not sell those plans 2 years ago except to people that wanted them. If I showed someone a limited plan, it was after I showed them a much better plan and they said "look, I just can't afford it." I would then show them something they could afford, but explain the limitations in detail. If they wanted it fine. If not oh well, move on.

7. "I doubt you were a broker for multiple health Insurance companies." Wrong. I was. End of story.

8. Massachusetts is not the only guaranteed issue state in the country. You should know that as there would be no separation of Chairman's Award for Quality otherwise at Mega. I am not "lucky" that I live here. I moved here.

9. "Couple", "Several", whatever. The words mean the same thing to my wife. Technically, since you want to be difficult "several" means "more than two". For any of the people who actually read this BS, on March 29, 2006 UICI stockholders agreed to the merger of UICI and Healthmarkets (which already existed) and renamed the UICI company "Healthmarkets". Since this is July 2008, it has been 2.3 years (which is more than 2). Whatever.

10. I do not know of any deductibles changing in my area fro Healthmarkets. Maybe you mean UICI changed their name. That was not a result of complaints, it was due to the merger with Healthmarkets. Since no one really knows what "UICI" stands for and the word "Healthmarkets" is self-explanatory, they took Healthmarkets. You did not see them change the name of Mega or Midwest did you? State complaints were not against UICI and they are not against Healthmarkets. They are against Mega and Midwest.

11. I am well aware of that. The point is if she becomes VP she will have a leg to stand on for Universal Healthcare. If not, she has made enough waves that it will have to be addressed and should.

12. I am not even remotely threatened. I have my eggs in the basket with Mega. I have eggs in with a number of financial institutions for savings from my income. I am not concerned. Also, I don't need to try to start selling in other states like yourself because my income and job are secure.

13. "Just, had another former client call me today and one yesterday. No joke. about all of their medical bills that MEGA is refusing to pay. Again, there are holes in the policy because they are limited plans." - You should have been a better agent and sold them a better plan. I just had a customer call me Saturday (no joke either) to tell me that our company paid her entire cancer bill 100%. She also had a critical care benefit that not only paid her deductible, left her with $6500 extra to take time off work. NASE is also going to give her $1,000 for having cancer and pay her $300/day for being in the hospital. None of your customrers can say that right? That is because you did not sell them adequate coverage and you could have.


14. "Bills, more bills. I hope none of your clients ever have to see different specialists. Thats expensive." - See #13 above.

15. I beg to differ on being "Angry". I am not the one who had to switch companies. I am not the one that continues to criticize a company that has many happy customers. I do the best for my clients (I don't even look at the stock). EVERY SALES TEAM on the planet in every industry is driven by numbers. Name one in any industry that is not.

But again, I am not the one who now is looking to sell in more states "because it makes it easier". Obviously you are unhappy in your new career also and you are not making it selling where you are now. What makes you think changing your tactics again will accomplish anything?

16. Again, you have mistated yourself. Above you stated "In our contract it never states the term 'captive agent' Perhaps your contract is different" indicating that you can work for Mega and sell other policies with other companies. Now you say you can't offer Mega. Which is it? You would not sell Mega because you never learned how to offer a decent plan. Above at top you also tell someone that "One good thing about the policy, I bet you did not have to wait to be treated. Here is the plus side - there was no pre-authorizations, no referals needed. I am sure you were treated fast." You also in another post talk about great ancillaries that can build strong plans. You flip-flop.

Your "conscience" is noted. I think the above posts display that. So why not move on and actually sell something?

Lee, sorry guy

Perhaps you feel comfortable in selling Catastraphic plans "ONLY". Again, you were unclear on what I posted. I said, I ONLY offer Catastraphic Plans for people who do not qualify. You are in MA. It is a guaranteed state so that means all qualify.

On the West side, people must qualify. I do not sell on the East Coast, but now I am thinking about it because it is guaranteed approval. That makes your job a whole lot easier.

The only reason why you have license in the surrounding states is because those states are all small and you can make the drive. You have to sit in front of people to sell because the plans are too confusing for people to shop for themselves online. Second, you must completly change divisions to sell in CA.

I firmly challenge you to do that. Thats right, swich divisions and go to CA and learn how "LIMITED" the plans are in CA. They are way more limited than what you sell in MA. Again, my conscience can not sell. Perhaps yours can.

Keep telling people that all the people on this site just could not "hack it" -as you say. For me that is untrue.

Mega is an evolving company. They are evolving. Look at their plans 2 years ago. Now could you honestly sell those plans with a happy heart if you had to go back??? Go move to CA sell those plans with a happy heart. They are catagorized as "LIMITED" plans.

I doubt you were a broker for multiple health Insurance companies.

I only sell catastraphic plans to people who "do NOT QUALIFY" for Comprehensive Major Medical. Then, I only sell Discount plans if people absolutly can not qualify because they have PRE-EXISTING Conditions. The whole reason why HealthMarkets contacted with UA was to help people who could not qualify in the rest of the states. Again, people in the rest of the states have to get qualified. So, you are JUST lucky to be living in MA and you do not have to deal with that but the rest of the country still has to QUALIFY.

Your wrong. Healthmarkets was not introduced "SEVERAL" years ago. It was only a couple yrs. ago.

Your wrong - Healthmarkets changed their deductible because of all of their former complaints. They are an evolving company to becaome MORE health insurance standard- This is what they said on the training that they provided on powerpoint for all of the agents.

Your wrong on another thing. Hilary Clinton is not presidintial candidate. Its Obama. Therefore, Clinton is not going to be the next president unless something happens to Obama

Again, you are so upset because all your eggs are in one basket and you feel threatned. Even though, I did not post on this site to attack.

Just, had another former client call me today and one yesterday. No joke. about all of their medical bills that MEGA is refusing to pay. Again, there are holes in the policy because they are limited plans.

Several of my clients have problems with MEGA not paying claims or paying them several months later. Many people in the claims department share different news that are in conflict within their own department. They even misinformed me and other agents in my own office when we worked for them. The sad thing is that I can not help those clients anymore in dealing with their bills so all I can do is just give them the number to Mega and pray for them.

Bills, more bills. I hope none of your clients ever have to see different specialists. Thats expensive. By the way Mega does not do global billing so all bills are indivi

Lee, be mad its your choice. I can not "MAKE" you angry. Your an angry fellow. Do what is best for your clients, not your stock, not your agent weekly report. Most offices are number focused.

I started this sight to look for a way out of the company not to argue. But you must really like to argue to defend your one company.

By the way, I work for several companies in different states. The only company I can not offer is MEGA. After selling other plans, I would now never even want to offer Mega. That is my conscience.

Bless ya Lee.

I did not say you are disgruntled. I said I am tired in general of a few rotten agents who post falsehoods on this site. I tried to post a positive listing on this site and it has been a week and still does not appear. My issue with you is that you are adding to allot of BS that is not true. You are making wide speculative comments that are not true.

First - You state that you sell comprehensive major medical policies and give your clients what they want. Who cares? You are basically advertising your new job. This has nothing to do with the posts on this site. You are wrong in that I have many customers who specifically call me for catastrophic insurance. That is the type plans Mega sells, and that is what we choose to sell. You make it sound like no one wants catastrophic coverage, but you are flat out wrong and you state later in your post that you do sell cat plans. You apparently have no idea how much a major medical policy sells for in New England.

Second - If someone trained you to say something you were uncomfortable with, then you should have fessed up, because 99% of the people I work with are respectable, honest agents. There are bad agents in EVERY company out there. EVERY COMPANY. I have never been trained or even hinted to do anything wrong. Never. My point is that you don't jump off bridges if told to. You don't rob banks if someone jokes about it. But yet apparently you said things to customers knowing that you should not and accepted pay (and still do) for it. If that is the case, you are the type of complaint that people list here, not agents like myself and the ones I work with. Again you brought this up, I am politely pointing it out.

Third - I have sold policies on "the other side of the fence", so you are wrong there, and I make more money at Mega and enjoy the company better than the other places (yes more than one) that I tried.

Fourth - Maybe where you are there are comprehensive plans that beat out Mega products, but not where I am. Again, you make a broad statement that you do not know is true and therefore has no factual basis.

Fifth - I think you are in CA because your post says you are in Vallejo, California, which would indicate to me that you might possibly be in.....uhh...maybe California.

Sixth - You are absolutely wrong about me only being able to sell in one state. Guess what? I am licensed in EIGHT States. How about that? And yes, I sell policies in all eight of those states. My Division is also licensed in 8 states. And if I wanted I could get licensed in CA and sell there and simply switch Divisions. I have thought about spending winters in CA and summers here. By the way, if you want to get your license in MA, good luck. You can't do it over the phone or the internet. You have to come to MA, take a class (in MA), and then take a test at the DOI office in MA. Then, you will be limited to selling BC, Harvard Pilgrim, Tufts, Health New England, and Fallon (that is it in the small group market). You will make maybe $10-$20 a month for those policies that you sell over the phone from CA. Good luck with that.

Seventh - your "FACT- The plans that you offer ARE limited and are not comprehensive." No duh. I have stated that already. But your comments seem to exclude HSA products that are offered. Also, if you knew anything about Massachusetts and guaranteed issue states you would know that there are unique benefits that Mega policies can take advantage of.

Eight - "In fact, when your clients get a letter of confirmation it says that they are NOT COMPREHENSIVE MAJOR MEDICAL PLANS." Who cares? It has not had an impact on anying yet. My customers understand their plans and like them.

Ninth - Name one insurance company that has NEVER had a fine, and you will finally have a point. Do your best. Name ONE. And I have read the entire NAIC report. Big deal. NAIC puts out lots of reports against lots of companies. Look on their site.

Tenth - No one really cares who you sell for. The fact is, that you are posting falsehoods on this site. Incidentally, who do you sell for then? I actually am curious to get a copy of the plans so I can post the limits that they have.

Eleventh - YOU ARE TRULY AND AMAZINGLY MISINFORMED about Massachusetts policies. The fact that you can say that statement about you do not believe policies are over $1,000 shows your complete lack of knowledge and proves to me that you are ignorant of health care costs. If you can sell in multiple states, then you must have long distance service. Why don't you try making a couple of phone calls out here and then come back to this post when you are ready. Seriously. I think you just helped out Mega's cause in Massachusetts and I truly hope that people in MA come to this site now. I am so amazed, I have to fix myself a gin and tonic.

Twelfth - What a coincidence. Mega also has a A- "Excellent" rating and is one of the top rated companies. Again, which companies did you say you sell for?

Thirteenth - Healthmarkets does not sell insurance. Mega, Midwest, and Chesapeake do. Those companies are A- (Excellent). Healthmarkets is an entity created several years ago to replace the name "UICI" in case you are not aware of it (which I suspect you were not aware). That entity is owned by Blackstone Equity, which is the biggest and strongest private equity firm on the planet. Look them up. Healthmarkets is just a thing to be sold one day, therefore its rating.

Fourteenth - Again your lack of knowledge. The reason you could not have business cards that said "Healthmarkets" is because you did not work for them. That has to be cleared as "advertising" and has to be approved in most states also. I still don't say I work for Healthmarkets. I say I work for Mega Life & Health. My business cards say "Mega Life & Health". I do not pretend to work for someone I don't.

In Massachusetts, everyone qualifies as it is a guaranteed issue state. Therefore, anyone that wants a PPO or HMO plan with any company gets it and can't be rated up or down. Everyone pays the same price based on age and zip code. Mega is also guaranteed issue in MA.

Fifteenth - So you do sell catastrophic plans...here all aong you seemed to have everyone believing that you only do comprehensive coverage. So you are saying that you do turn people away and say you cannot help them? I don't turn anyone away. In fact, if someone has medical issues, I actually can refer them to a friend or two that are brokers that sell comprehensive major medical plans and they can actually get the "Unlimited" coverage that you would not be able to give them. By the way, they are the ones who tell me how much they make, and I get paid more. Why? Because I am willing to sit down face to face with customers.

I am glad you brought up United American, because I forgot about that. Once again you are wrong. I am also licensed with United American and can sell those plans. UA plans are EXTREMELY LIMITED on coverage. More so than Mega Plans. And you actually sell those? Also, maybe I am wrong on this, but it is my understanding that you have to actuallly drive to people or they come to you to sell an United American plan. I would never, ever, EVER, in a Trillion years sell someone a discount plan. And if you do (and you say you do), I do not know how you can sleep at night. Because NO ONE in their right mind would buy a discount plan. And even if they wanted to, I would tell them to move to a guaranteed issue state first and get coverage there.

Sixteen - You have not even said who are what you offer (other than UA and discount plans). You have conveniently left that out. I am "ticked off" because you sit up on your pedestal and talk down to honest agents on this site yet you won't even say who you are. If you truly have nothing to hide, then why not advertise? Who are you and what companies are you supposedly selling these great products for? The more I read from you, the more and more suspicious it gets. I am "ticked off" because you are naive when it comes to insurance in other states. I am not making broad sweeping nation wide comments about companies you sell for b/c I do not even know what you sell (except for United American and discount companies).


Seventeenth - Actually "Unsure" in Vallejo, CA, you are wrong again. I have sold policies BECAUSE of this site. Believe it or not I have. In the several years this site has been up, I lost just one deal because of it. Only one. Anyone who brings it up (which is so minutely rare), I open my laptop, go to this site, and show them the idiotic posts. Then I show them other companies listed, compare the number of complaints by agents versus customers, and then explain to them how our company pays agents and that most can't hack it. They understand that and never think about this site again. Sometimes, I pull out an old Healthchoice brochure and discuss the limits on coverage on that policy to show that people sometimes make bad choices so our company decided not to sell it anymore.

There are actually positive postings online also. One recently started. Of course the owner of this site will not allow anyone to post a link to anything positive so you can do your homework. I am also saving a copy of this post verbatim and submitting it to Mega to hold on to, because while this site claims that they do not edit posts, my positive post does not appear.

My eggs are in one basket - yes. But I have a lot of eggs now....dozens. How many do you have? I could retire in a year if I wanted to. If I lost my job tomorrow I could not work for years. Can you say the same? And what difference does that make anyway? Everyone has their eggs in one basket because most people have one job. Including you. Oh, yes, I forgot, you sell comprehensive major medical plans for lots of compaies (which have not been listed), but what will you do if Hillary is elected? By that time, I can retire. What will you do?

I don't care if someone Googles Mega. If they have doubts on a company and Google any company there will be negativity.

Again, I think this is why you gave up. The fact that you say it was b/c someone told you to do someting wrong is a cop out. If that is the case, then let's get it out in the open right here. Right now. What were you told to do, and who told you to do it? We will see if it really happened.

And yes, anyone who wants to join in please do so. After all, besides you, there are only 10 other ex-agents as of today that feel that way.

But my challenge is this. If there is an ex-agent that wants to say something negative, tell us who you are and your real beef so it can be proved. You must have nothing to lose if it is true. Right?

Wow Lee! What makes you think I am disgruntle? Look at my first post. Your spending way too much time arguing with me to defend. Who cares?

You keep selling your catastrophic policies (only) with one company. I'll keep selling multiple carriers with Comprehensive Major Medical and give all my clients what they want. Oh yeah, I will also add in ancillaries as well if they want it.

Why would I be an upset Mega agent who did not make it????? I chose to leave, and started off the blog not upset, but rather concerned. I did not leave because I had a problem selling and could not make it! However, that is exactly what I was trained to say to when my clients read the rip off report and got scared.


Think about it, I have now sold on both sides of the fence. You only sell from one side. You do not know what its like, yet. If you did you would of never signed up only to offer one company. I am being very serious when I say there are plans that are more comprehensive than the best plan you can offer and more affordable.

What makes you think I sell plans in CA?? Again, I am a broker and can sell in multiple states you can not. It is because of you that now I am thinking of getting my license in MA too :) Most of CA plans have issues. However, your limited to your Division within your state unless your division goes out and gets his license in another state which you will still have to drive to.

FACT- The plans that you offer ARE limited and are not comprehensive. Let me re-phrase that- they ARE categorized as being LIMITED plans. Yes, all plans have limits, however, top comprehensive major medical plans are not categorized as being limited.

In fact, when your clients get a letter of confirmation it says that they are NOT COMPREHENSIVE MAJOR MEDICAL PLANS. Again, read the whole NAIC report, which is going to bring about a fine with it

FACT- I do not sell Blue Cross. First of all, they are an Association that varies in different states. That is why they are called Blue Cross of California or whatever different state.

FACT- The lawsuits that are out there with HealthNet and even Cigna are HMO plans. What makes you think I pressure people to buy HMO'S? If somebody really wants an HMO, I tell them the pros, but also the pre-approval hook that comes with it.
On the flip side, HMO's seem to be pretty good coverage if someone wants to have a baby. Not so the scheduled amount version that PPO'S offer.

FACT- People's health insurance in general is not over $1 K. That is so rare. So to blanket every HMO plan in your state being an average of over $1K is ridiculous.

FACT I sell top rated companies with A ratings. That have a positive/strong outlook.
FACT- Health Markets rating is BBB-
It must be frustrating to tell people who you represent. For a long time we could never even have business cards that said HealthMarkets. Now it is HealthMarkets.
I sell COMPREHENSIVE Major Medical- if someone can not qualify then, and only then, do I offer hospital and catastrophic plans. If they do not qualify for those plans, then and only, then do I go to United American and or Discount plans.

Lee why are you so ticked off? Man- go ahead and attack every single company I offer. Attack them all, I do not care. Just lay off of Blue Cross and the HMO's, I really do not sell them or if I do it is really rare. Group plans are different than individual by the way so on those I offer all the carriers.

Lee, the reason why I believe you are so upset is because perhaps you have lost a lot of business due to rip off report. When I was with Mega- I did as well. However, my posts were only personal concerns and trying to find a way out. You get upset because all of your eggs are in one baskets with one company. If somebody says Lee, I never heard of your company before Let me do some personal research You pray that they do not google the company.

Who cares let the consumer make the choice, but by all means give them the choice of all carriers.

If there are any other peoples thoughts about this feel free to join.

Wow Lee! What makes you think I am disgruntle? Look at my first post. Your spending way too much time arguing with me to defend. Who cares?

You keep selling your catastrophic policies (only) with one company. I'll keep selling multiple carriers with Comprehensive Major Medical and give all my clients what they want. Oh yeah, I will also add in ancillaries as well if they want it.

Why would I be an upset Mega agent who did not make it????? I chose to leave, and started off the blog not upset, but rather concerned. I did not leave because I had a problem selling and could not make it! However, that is exactly what I was trained to say to when my clients read the rip off report and got scared.


Think about it, I have now sold on both sides of the fence. You only sell from one side. You do not know what its like, yet. If you did you would of never signed up only to offer one company. I am being very serious when I say there are plans that are more comprehensive than the best plan you can offer and more affordable.

What makes you think I sell plans in CA?? Again, I am a broker and can sell in multiple states you can not. It is because of you that now I am thinking of getting my license in MA too :) Most of CA plans have issues. However, your limited to your Division within your state unless your division goes out and gets his license in another state which you will still have to drive to.

FACT- The plans that you offer ARE limited and are not comprehensive. Let me re-phrase that- they ARE categorized as being LIMITED plans. Yes, all plans have limits, however, top comprehensive major medical plans are not categorized as being limited.

In fact, when your clients get a letter of confirmation it says that they are NOT COMPREHENSIVE MAJOR MEDICAL PLANS. Again, read the whole NAIC report, which is going to bring about a fine with it

FACT- I do not sell Blue Cross. First of all, they are an Association that varies in different states. That is why they are called Blue Cross of California or whatever different state.

FACT- The lawsuits that are out there with HealthNet and even Cigna are HMO plans. What makes you think I pressure people to buy HMO'S? If somebody really wants an HMO, I tell them the pros, but also the pre-approval hook that comes with it.
On the flip side, HMO's seem to be pretty good coverage if someone wants to have a baby. Not so the scheduled amount version that PPO'S offer.

FACT- People's health insurance in general is not over $1 K. That is so rare. So to blanket every HMO plan in your state being an average of over $1K is ridiculous.

FACT I sell top rated companies with A ratings. That have a positive/strong outlook.
FACT- Health Markets rating is BBB-
It must be frustrating to tell people who you represent. For a long time we could never even have business cards that said HealthMarkets. Now it is HealthMarkets.
I sell COMPREHENSIVE Major Medical- if someone can not qualify then, and only then, do I offer hospital and catastrophic plans. If they do not qualify for those plans, then and only, then do I go to United American and or Discount plans.

Lee why are you so ticked off? Man- go ahead and attack every single company I offer. Attack them all, I do not care. Just lay off of Blue Cross and the HMO's, I really do not sell them or if I do it is really rare. Group plans are different than individual by the way so on those I offer all the carriers.

Lee, the reason why I believe you are so upset is because perhaps you have lost a lot of business due to rip off report. When I was with Mega- I did as well. However, my posts were only personal concerns and trying to find a way out. You get upset because all of your eggs are in one baskets with one company. If somebody says Lee, I never heard of your company before Let me do some personal research You pray that they do not google the company.

Who cares let the consumer make the choice, but by all means give them the choice of all carriers.

If there are any other peoples thoughts about this feel free to join.

I (and others it looks like) are making the time to post on this site, b/c I am tired of the untrue BS from ex-agents. I have no beef with you either except for when you and others posting here make a wide generalization about policies across the country, which are grossly inaccurate.

Fact - The MA lawsuit with the AGO is nothing. The State wanted to investigate the allegations some of its residents have had about their policies. The issue with policies that Mega offers is that they have choices. If you don't take coverage for something, then Mega will not pay for that item if something happens. The policies are designed as 'Medical Necessity' coverage in MA, not 'all inclusive'. With people paying $1500-$2700/mo for HMOs in MA, many want a plan that will save them allot of money and get deductibles and less coverage. Problem is, they conveniently forget about some of those things that they were aware of when there is an issue. Not all, just a few. The policies are good policies, just geared as medically necessary. The AGO is recognizing this now, and from what I understand there is really no issue.

Fact - Just in a general Google search of USA Today you can see that Blue Cross has been sued numerous times in CA for rescinding policies when a claim was to be paid for no real reason. There was a $1 million fine. There were big settlements against American General Life and Accident Insurance Co, Metropolitan Life Insurance Co. of New York, Mutual Savings Life Insurance Co, and 90 others based on allegations of race related discrimination.

FACT - ABC News reports a $9 million settlement against HealthNet in CA for dropping her coverage in the middle of chemotherapy for breast cancer. There is more on BC rescinding coverage in CA also.

FACT - The NAIC report is truly minimal. There were paper work issues and additional training recommendations, which Healthmarkets had already put into place before the investigation was even complete. NAIC makes recommendations to many insurance companies.

FACT - AM Best lists Mega as having the best ranking in MA. Overall listing is an A- (excellent). The outlook is listed as 'Negative', but others in your state also have 'Negative' outlooks. Fact is, Mega and the other Healthmarkets companies will be sold off and put back into the public stock market one day, which would affect this also.

Business Week, People, and everyone else will list a health insurance company lawsuit, issue, or whatever. They are all in there at some point.

IDA is used by over 200 agents at Mega and a bunch at Midwest I hear. Of the top 20 producers at Mega, 12 use it from what I hear from the people that sell it. And yes, I do still call my clients every 3 months. I also send them Christmas Cards. They call me when they have an issue. They call me to thank me for this and that. They call me with referrals. It is called customer service. I like going out to meet people. I would not like to sit at home all day. If that is your preference great. But none of that has anything to do with Mega being a 'ripoff'.

I was not in Dallas last year for family reasons, but 900 people walked across the stage.

The fact is that ex-agents who post on this site have no right to post things that are broad inaccurate statements on a nationwide level. The majority of them just did not make in the sales environment at Mega and have a beef. That is how it is. If it were easy, then everyone would do it.

The policies the company offers are what they are. You can have a little coverage for less or more coverage for more. The agents sell the policies, not Mega. If an agent on this site says that they were told to sell something some way by a DM, well, I assume they would not jump off a bridge if they were told to. But I can say with all honesty, that I have NEVER been instructed to lie, cheat, or whatever. I understand the company policies and sell them for what they are: affordable coverage geared for people who can take a little risk on the low end and set money aside for a deductible.

Hello Lee,

I signed up on this site - not to argue nor to create tension. It was a simple post that started off with my "concerns" with the company and only asked for help.

I do have questions for you? Why do you even come onto Rip off Report? Where do you find the time? Especially on this particular one? Im not out to attack, just wanted some clarity if any one had the same concerns.

I never based my decision to leave the company based off of RIP-OFF Report. I based it off of the Massachusetts lawsuit, USA Today, ABC NEWS, NAIC Investigation Report, AM BEST'S Newsroom articles and HealthMarkets ratings, Finch Ratings on HealthMarkets, People Magazine articles, Business Week, The Better Business Bureeau, and several differnt law suits (past and present). I did a comparison contrast between the size of MEGA vs. several other Health Insurance companies. Number of complaints and amount of premiums collected from each Health Insurance Company and noticed Megas. Some Health Insurance Companies vary from state. I focused on size and amount of complaints. All of this is public information.

I have the time to write because now, I can wait for prospects to call me.

THE top producer at Mega uses IDA. The automatic e-mails are a good asset, but do you really call your clients every 3 months like you posted? I have no idea how you find the time to do that because you should be trying to get future appointements also by using IDA. I tip my hat to you if you really do "call" your clients to see how they are doing with the plan.

I have good friends at Mega - I even liked the Divisions and Districts. I left again because of "MY Conviction" alone. You Lee, are on the other side of the United States. MA changed the laws and you have no underwritting - that is real nice and makes your job slightly easier. I wish you only the best.

Who knows, I also probably met you at the last homecoming in Dallas. Perhaps, you ran across stage and I caught you or vice versa. In fact, Lee I'll go as far as to say, I would of probably enjoyed working in the same office with you. I have NO enemies with Mega nor do I want any. I have worked every day like you and have a respect for you and others. However, our stories are different.




Perhaps you were like many agents who signed up with the company with zero insurance expereince. I was. Perhaps you climbed up rapidly with the company. I did too. Here is the problem. I was sold on the lie of helping people with the best insurance products available. You see, this is why I signed up. Helping people sounds good. Well, at the time the ONLY plan I could offer was MID WEST. The ONLY plans they had were COVER AMERICA. Those are plans which I am sure you would NEVER EVER sell again. Yet, that is ALL I HAD. I was told those plans were the Best. I was green. What did I know, I did my homework on Midwest. I was way to inexperienced and just did everything that the DSL instructed. Had no clue who Mega was, but the umbrella company merged us to work together.

The fact you stated is true that every company has problems. However, the way things are processed with Mega "concerns" me. The insurance office had messed up on several claims with my clients- They had misinformed a handful of my clients about the preventative plus rider, not just my clients, but also my family, and another DSL in the office. It took one of my clients almost one year for them to pay a simple dr. visit. The 5 yr. investigation should throw up red flags if you read it. Again, when the new products came out and I was trained on it, I was informed that it was becoming more Health Insurance Standard- it was even displayed on the power point presentation as more Health Insurance Standard. Well, I thought I was selling the best before the new products came out which looked more like a PPO plan. Hmmm, I was trained that Indem. plans were beter because of......

I have left the company - and dont think I wanted to leave either. Again, my reason is mere conviction. I am not on this web to recruit, argue, or do a battle. Just wanted answers. I am NOT bad mouthing the company just concerned.

I am happy that you are convinced that the plans you sell are great. I know in my state, in comparison to quality and price, there is a difference.

Every year it looks like they are improving in their products. This might be because of the scuinty they were under the last five years of the investigation. However, too many of my clients complained. Too many had issues with customer service, too many had issues on the way they billed. Too many dr. offices had problems with Mega paying bills which led to client complaints, which led to me getting phone calls. I did my job and helped many of them out. Many of my Districts complained and they also screwed up on my family. Later, all of us received phone calls of apologies from the company for their recoreded miscommunication at the claims department and customer service. That was after I had to fight as an agent even on my own policy. Man if I had to fight this much, what about all the other clients?

In our contract it never states the term "captive agent" Perhaps your contract is different. I never used company leads to sell different Insurance Companies - Never. I did walk away - but I am still self employeed and still have my old clients on the books. So I guess that means I still will get a 1099. Who knows, I have no way of verifying who is on the books any way.

You Lee, perhaps your vested or really want to vest with the company- then retire. Thats Great! The Golden Hancuffs. After those cuffs come off, I think you would be a great broker as you are a great agent. No worries, I am NOT trying to recruit you. People shop for Insurance Companies, yep all have problems, but now I can offer everything (except Mega) but if they want that plan I'll refer them to you or another District from another state. Chances are they have never heard of the company HealthMarkets. If my new clients want another company with similiar benefits after they get a rate up, I can switch them right from my office- only if they want me to and I get paid first year commissions all over again. Or they can stay on the original plan as long as they want. I can also go to large corporations and sign up groups, which you get paid a whole lot for. You also get bonuses and are free to sell in other states as well and win super trips.

Now that you mentioned it, I will look into getting my license in MA because of the guarantee approval. I get most people approved within 1-5 days with underwritting in many states. But if I start selling in MA, without leaving my office, perhaps they are approved instantly???. Again, it is just a matter of time before all your clients and all of MY ex -Mega clients will want to shop around to get their rates down. The sad thing is at that point you really can not help them- other than lowering their coverage to get their premium back down.

I know "if" you were misled in many ways, and had a similiar story as mine you would be thinking about leaving. But, my decision to leave is based on "my conviction". I am glad you are doing great.

There is no point in trying to defend our positions. If people want to read this they can. If they want to sign up with you they can. Thats ok, I am not bitter about MEGA.

Lee, I have no problem with you nor do I want one. I hope you crank out a lot of policies and keep working hard for Mega. If you worked out of my Division- I am 110% sure we would be friends. I have no hard feelings towards you. I wish you only the best.

I (and others it looks like) are making the time to post on this site, b/c I am tired of the untrue BS from ex-agents. I have no beef with you either except for when you and others posting here make a wide generalization about policies across the country, which are grossly inaccurate.

Fact - The MA lawsuit with the AGO is nothing. The State wanted to investigate the allegations some of its residents have had about their policies. The issue with policies that Mega offers is that they have choices. If you don't take coverage for something, then Mega will not pay for that item if something happens. The policies are designed as "Medical Necessity" coverage in MA, not "all inclusive". With people paying $1500-$2700/mo for HMOs in MA, many want a plan that will save them allot of money and get deductibles and less coverage. Problem is, they conveniently forget about some of those things that they were aware of when there is an issue. Not all, just a few. The policies are good policies, just geared as medically necessary. The AGO is recognizing this now, and from what I understand there is really no issue.

Fact - Just in a general Google search of USA Today you can see that Blue Cross has been sued numerous times in CA for rescinding policies when a claim was to be paid for no real reason. There was a $1 million fine. There were big settlements against American General Life and Accident Insurance Co, Metropolitan Life Insurance Co. of New York, Mutual Savings Life Insurance Co, and 90 others based on allegations of race related discrimination.

FACT - ABC News reports a $9 million settlement against HealthNet in CA for dropping her coverage in the middle of chemotherapy for breast cancer. There is more on BC rescinding coverage in CA also.

FACT - The NAIC report is truly minimal. There were paper work issues and additional training recommendations, which Healthmarkets had already put into place before the investigation was even complete. NAIC makes recommendations to many insurance companies.

FACT - AM Best lists Mega as having the best ranking in MA. Overall listing is an A- (excellent). The outlook is listed as "Negative", but others in your state also have "Negative" outlooks. Fact is, Mega and the other Healthmarkets companies will be sold off and put back into the public stock market one day, which would affect this also.

Business Week, People, and everyone else will list a health insurance company lawsuit, issue, or whatever. They are all in there at some point.

IDA is used by over 200 agents at Mega and a bunch at Midwest I hear. Of the top 20 producers at Mega, 12 use it from what I hear from the people that sell it. And yes, I do still call my clients every 3 months. I also send them Christmas Cards. They call me when they have an issue. They call me to thank me for this and that. They call me with referrals. It is called customer service. I like going out to meet people. I would not like to sit at home all day. If that is your preference great. But none of that has anything to do with Mega being a "ripoff".

I was not in Dallas last year for family reasons, but 900 people walked across the stage.

The fact is that ex-agents who post on this site have no right to post things that are broad inaccurate statements on a nationwide level. The majority of them just did not make in the sales environment at Mega and have a beef. That is how it is. If it were easy, then everyone would do it.

The policies the company offers are what they are. You can have a little coverage for less or more coverage for more. The agents sell the policies, not Mega. If an agent on this site says that they were told to sell something some way by a DM, well, I assume they would not jump off a bridge if they were told to. But I can say with all honesty, that I have NEVER been instructed to lie, cheat, or whatever. I understand the company policies and sell them for what they are: affordable coverage geared for people who can take a little risk on the low end and set money aside for a deductible.

Hi Lee,

Hello Lee,

I signed up on this site - not to argue nor to create tension. It was a simple post that started off with my "concerns" with the company and only asked for help.

I do have questions for you? Why do you even come onto Rip off Report? Where do you find the time? Especially on this particular one? Im not out to attack, just wanted some clarity if any one had the same concerns.

I never based my decision to leave the company based off of RIP-OFF Report. I based it off of the Massachusetts lawsuit, USA Today, ABC NEWS, NAIC Investigation Report, AM BEST'S Newsroom articles and HealthMarkets ratings, Finch Ratings on HealthMarkets, People Magazine articles, Business Week, The Better Business Bureeau, and several differnt law suits (past and present). I did a comparison contrast between the size of MEGA vs. several other Health Insurance companies. Number of complaints and amount of premiums collected from each Health Insurance Company and noticed Megas. Some Health Insurance Companies vary from state. I focused on size and amount of complaints. All of this is public information.

I have the time to write because now, I can wait for prospects to call me.

THE top producer at Mega uses IDA. The automatic e-mails are a good asset, but do you really call your clients every 3 months like you posted? I have no idea how you find the time to do that because you should be trying to get future appointements also by using IDA. I tip my hat to you if you really do "call" your clients to see how they are doing with the plan.

I have good friends at Mega - I even liked the Divisions and Districts. I left again because of "MY Conviction" alone. You Lee, are on the other side of the United States. MA changed the laws and you have no underwritting - that is real nice and makes your job slightly easier. I wish you only the best.

Who knows, I also probably met you at the last homecoming in Dallas. Perhaps, you ran across stage and I caught you or vice versa. In fact, Lee I'll go as far as to say, I would of probably enjoyed working in the same office with you. I have NO enemies with Mega nor do I want any. I have worked every day like you and have a respect for you and others. However, our stories are different.




Perhaps you were like many agents who signed up with the company with zero insurance expereince. I was. Perhaps you climbed up rapidly with the company. I did too. Here is the problem. I was sold on the lie of helping people with the best insurance products available. You see, this is why I signed up. Helping people sounds good. Well, at the time the ONLY plan I could offer was MID WEST. The ONLY plans they had were COVER AMERICA. Those are plans which I am sure you would NEVER EVER sell again. Yet, that is ALL I HAD. I was told those plans were the Best. I was green. What did I know, I did my homework on Midwest. I was way to inexperienced and just did everything that the DSL instructed. Had no clue who Mega was, but the umbrella company merged us to work together.

The fact you stated is true that every company has problems. However, the way things are processed with Mega "concerns" me. The insurance office had messed up on several claims with my clients- They had misinformed a handful of my clients about the preventative plus rider, not just my clients, but also my family, and another DSL in the office. It took one of my clients almost one year for them to pay a simple dr. visit. The 5 yr. investigation should throw up red flags if you read it. Again, when the new products came out and I was trained on it, I was informed that it was becoming more Health Insurance Standard- it was even displayed on the power point presentation as more Health Insurance Standard. Well, I thought I was selling the best before the new products came out which looked more like a PPO plan. Hmmm, I was trained that Indem. plans were beter because of......

I have left the company - and dont think I wanted to leave either. Again, my reason is mere conviction. I am not on this web to recruit, argue, or do a battle. Just wanted answers. I am NOT bad mouthing the company just concerned.

I am happy that you are convinced that the plans you sell are great. I know in my state, in comparison to quality and price, there is a difference.

Every year it looks like they are improving in their products. This might be because of the scuinty they were under the last five years of the investigation. However, too many of my clients complained. Too many had issues with customer service, too many had issues on the way they billed. Too many dr. offices had problems with Mega paying bills which led to client complaints, which led to me getting phone calls. I did my job and helped many of them out. Many of my Districts complained and they also screwed up on my family. Later, all of us received phone calls of apologies from the company for their recoreded miscommunication at the claims department and customer service. That was after I had to fight as an agent even on my own policy. Man if I had to fight this much, what about all the other clients?

In our contract it never states the term "captive agent" Perhaps your contract is different. I never used company leads to sell different Insurance Companies - Never. I did walk away - but I am still self employeed and still have my old clients on the books. So I guess that means I still will get a 1099. Who knows, I have no way of verifying who is on the books any way.

You Lee, perhaps your vested or really want to vest with the company- then retire. Thats Great! The Golden Hancuffs. After those cuffs come off, I think you would be a great broker as you are a great agent. No worries, I am NOT trying to recruit you. People shop for Insurance Companies, yep all have problems, but now I can offer everything (except Mega) but if they want that plan I'll refer them to you or another District from another state. Chances are they have never heard of the company HealthMarkets. If my new clients want another company with similiar benefits after they get a rate up, I can switch them right from my office- only if they want me to and I get paid first year commissions all over again. Or they can stay on the original plan as long as they want. I can also go to large corporations and sign up groups, which you get paid a whole lot for. You also get bonuses and are free to sell in other states as well and win super trips.

Now that you mentioned it, I will look into getting my license in MA because of the guarantee approval. I get most people approved within 1-5 days with underwritting in many states. But if I start selling in MA, without leaving my office, perhaps they are approved instantly???. Again, it is just a matter of time before all your clients and all of MY ex -Mega clients will want to shop around to get their rates down. The sad thing is at that point you really can not help them- other than lowering their coverage to get their premium back down.

I know "if" you were misled in many ways, and had a similiar story as mine you would be thinking about leaving. But, my decision to leave is based on "my conviction". I am glad you are doing great.

There is no point in trying to defend our positions. If people want to read this they can. If they want to sign up with you they can. Thats ok, I am not bitter about MEGA.

Lee, I have no problem with you nor do I want one. I hope you crank out a lot of policies and keep working hard for Mega. If you worked out of my Division- I am 110% sure we would be friends. I have no hard feelings towards you. I wish you only the best.

Unsure - You are wrong again.

I have had clients for years that have not cancelled their plans...YEARS! I see only 15% that cancel in the first year (but I also sell many plans to people who are laid off).

You talk about how honest you are but you are dishonest and deceptive. I can prove it. You say you are inching your way out, but yet you say you are selling plans for other companies now while at Mega. What you are doing is FLAT OUT ILLEGAL. You are a captive agent if you are selling for Mega and could truly lose your license, backends and get sued for what you are doing. If the money and products are so good on the other side of the fence, why don't you quit cold-turkey???? Oh....that is right, b/c you want to collect your backends from Mega, right? The money you make from the same policies that you say that you did not like to sell.

Am I wrong? You are doing good things? Then give us your full name. I bet you $10,000 you won't do it. Why? Because you know you are doing illegal activities. You are an absolute disgrace to the insurance industry for "scamming" Mega right now and should be ashamed of yourself for your negativity on this site.

And by the way, you know nothing of other states. If you did then you would know that where I sell is Guaranteed Issue which means there is no underwriting. We do not have an open enrollment period. People can actually change their policies in essence or add coverage and are not "stuck" with a plan. They can change tto any company in the State of MA any time they want with no pre-existing issues. In California, most companies underwrite and people are still stuck with their plans.

Unsure - You are wrong again.

I have had clients for years that have not cancelled their plans...YEARS! I see only 15% that cancel in the first year (but I also sell many plans to people who are laid off).

You talk about how honest you are but you are dishonest and deceptive. I can prove it. You say you are inching your way out, but yet you say you are selling plans for other companies now while at Mega. What you are doing is FLAT OUT ILLEGAL. You are a captive agent if you are selling for Mega and could truly lose your license, backends and get sued for what you are doing. If the money and products are so good on the other side of the fence, why don't you quit cold-turkey???? Oh....that is right, b/c you want to collect your backends from Mega, right? The money you make from the same policies that you say that you did not like to sell.

Am I wrong? You are doing good things? Then give us your full name. I bet you $10,000 you won't do it. Why? Because you know you are doing illegal activities. You are an absolute disgrace to the insurance industry for "scamming" Mega right now and should be ashamed of yourself for your negativity on this site.

And by the way, you know nothing of other states. If you did then you would know that where I sell is Guaranteed Issue which means there is no underwriting. We do not have an open enrollment period. People can actually change their policies in essence or add coverage and are not "stuck" with a plan. They can change tto any company in the State of MA any time they want with no pre-existing issues. In California, most companies underwrite and people are still stuck with their plans.

Unsure - You are wrong again.

I have had clients for years that have not cancelled their plans...YEARS! I see only 15% that cancel in the first year (but I also sell many plans to people who are laid off).

You talk about how honest you are but you are dishonest and deceptive. I can prove it. You say you are inching your way out, but yet you say you are selling plans for other companies now while at Mega. What you are doing is FLAT OUT ILLEGAL. You are a captive agent if you are selling for Mega and could truly lose your license, backends and get sued for what you are doing. If the money and products are so good on the other side of the fence, why don't you quit cold-turkey???? Oh....that is right, b/c you want to collect your backends from Mega, right? The money you make from the same policies that you say that you did not like to sell.

Am I wrong? You are doing good things? Then give us your full name. I bet you $10,000 you won't do it. Why? Because you know you are doing illegal activities. You are an absolute disgrace to the insurance industry for "scamming" Mega right now and should be ashamed of yourself for your negativity on this site.

And by the way, you know nothing of other states. If you did then you would know that where I sell is Guaranteed Issue which means there is no underwriting. We do not have an open enrollment period. People can actually change their policies in essence or add coverage and are not "stuck" with a plan. They can change tto any company in the State of MA any time they want with no pre-existing issues. In California, most companies underwrite and people are still stuck with their plans.

Sad to see,

Remember, I am inching my way out of the company because I am convicted on WHAT I AM OFFERING.

I have just started selling other products, without the limitations with dr. visits etc. The pay I get is about 18 - 23% on a monthly basis for each policy that stays on the books. The pay is about the same with HealthMarkets. If I want, I can accept an advance - without owing debt with 1% interest. I do both!

Mega does pay well - but remember they pay NOTHING NOTHING NOTHING if you do your client a favor and add Preventative CARE Rider. Actually, I was encouraged NOT to sell it and replace that coverage with Ancillaries. Did I do that? NOPE because I wanted people to stick on the books.

Mr. Lee all of your clients - ALL of them will cancel their policy with you within 1 year and for sure within the second year. Look at your cancellation reports from your portal. Can you still help out those clients who want to change?_ Nope. Sorry, you will lose all of your clients - unless theyget stuck on the plan because of an unseen condition in which they have to be stuck. The only people that will stay on your books for longer than 2 years are only a few, probably less than 10.


Good luck to you. For all who want a Mega policy, please review it, not the brochure, but the actual policy/certificate. Use your head and do not sign up with a company just because they come out to your house. The only reason why they come out to your house is because it is WAY to Confusing to sell over the INTERNET because there is so much explaining that the agent must do inorder for you to really understand what you bought. Then when that agent leaves your house after a couple of weeks or months you again will need it all explained all over again because you just might want to take all of your kids to the dr. office and spouse at the same time - BIG MISTAKE!!!

I would not say sarcastic. Just realistic.

So you are saying that Mega pays the least out of every insurance company there is? That is not correct. I have friends who have spouses that are brokers for other companies and get like $20 per month if they sell a family plan.

When I was in college and waited tables I use to hear the same thing. "At my restaurant we can make X amount on a Saturday night". Only thing is they left out that was on New Years eve 2 years ago when there was a huge event.

Once again, you want to compare 1099s and I will, but I seriously doubt you would win that challenge.

With your comment on what the family can afford, you are very short-sighted and is why you have not made it at Mega. Policies are never about price. That is the sign of a bad agent with any company. It is the best policy available with the realistic coverage that a family needs.

Mega has plans from little to hardly any coverage to plans with good coverage. Are their plans for everyone? No. If you were selling based on that they are, then your problem is there.

Lee you are a a sarcastic guy. What other health Insurance Companies have you worked for in the past.

The people who have posted do make more money and they can keep their clients.

You say you only sell the good policies- You must not be a good Mega sales agent because all of Mega plans are good- right? Just depends what the family can afford - right?

Before I address the person who is trying to hire people through this site, let me address the comment above that a manager gets 15% commission on the agents.

WRONG

It is actually around 5-10%. Now, before you respond, you are forgetting that those managers get ZERO PAY from anyone. They are 1099 employees also. They generally pay for some leads and have office packages. Should they all work for free????

Unsure in California - You are all over this site griping about how much money you owe. If you were out working instead of complaining you would be doing great. The $35,000 you owe is money you borrowed from the company. If you sold quality business, then your taken rate would be higher and you would not be in that position. Most agents never end up like that. If you take advances, that is exactly what they are. Advances. It is not the ompany that borrowed the money. You did.

Now for the recruiter:

1) Wrong. My managers have always been straight forward, and I make a good living. If you pay so well, why don't you send me a copy of your 1099. Better yet, post it online. I will show you mine. I sell quality policies and am honest about them. There are good policies and crappy ones. If you are an agent selling a crappy policy (and you know who you are) then start selling better coverage.

2) Prove it. I completely disagree. I will go to the mattress on it. You are probably with a discount company.

3) ABSOLUTELY FALSE. My account has been paid off for years and I make a great living on backends. Many, Many, Many agents do. Some agents make it, some don't. You sound like Satan.

4) PROVE IT. What company are you with. By the way, if that is all you are on pace to write and that is your retention, I definitely want to compare 1099s. Again, sounds like a discount company. You hav only 75 agents? Definitely sounds like what is termed as a "call center". Discount companies that tell people they are legitimate plans but only pay $250 per day in the hospital. Here is an example of a call I had with First Choice aka National Association for Political Advocacy (NAPA). I asked, "So what is the limit on hospitilization." Answer, "There is no lifetime limit." I said, "No. What is the daily limit or annual max." Answer, "There is no lifetime limit." I said, "I know that but you only pay $250 per day, right." Answer, "Look there is no lifetime limit." Of course there isn't because it pays at most $25,000.

5) WRONG. I know many agents that left and went to "other" places, and NONE as in NOT ONE has ever told me that. In fact, Specifically I have been told the opposite by agents that left.

6) I honestly have no idea what this is supposed to mean. Sounds like Ben & Teller stuff to me.

7) National recognition with 75 agents is pretty easy. Good for you. I bet those trips to Holiday Inn for 75 people aren't to expensive either. Guess what, MEGA and Midwest are hard to work at and have allot of competition, hav like 5,000 agents between the two, and greatly award and recognize people for their work. But when you get outside whoever you work with, what difference does it make? Don't believe me? Whatever company you work for, why don't you walk up to a bar in Chili's or something and tell the people around you "Hey, did you know that I was the top salesmen last month for my insurance company!!!!" See what happens.

8) Yeah. You just it at home, drink scotch, play video games, or take out the new boat and wait for the money to roll in. Heck, you probably don't even need to speak to someone. You can just leave it on the answering machine and people sign up. I have seen the infommercials. "Call right now as we only have a couple of openings left. Start living your dream today!"

9) Wait a minute. If you have this awesome web tool that does all the work, and you don't make out bound calls, and it shows EVERYTHING online, and you don't have to question if they will get approved...then why do you even need employees or agents at all???

Now I have lowered my Mega debt to about 20K. I have been getting contracted with other companies.

You are in a difficult, but typical Mega agent pickle. You thought you were 'helping other people' by providing coverage that you were told by your managers was the best....but after time, you realized that you were putting yourself into deeper and deeper debt because the coverage your were offering was not what the clients expected it to be.

Because Mega's leads suck, you probably had to spend most of your own money to get people interested - just so that they would cancel when they started to compare or use their insurance.

You also spent a great deal of money and time driving all over 3 counties and running appointments on other's time schedule instead of yours, which has taken a toll on your family and personal life.

You dumped hard work, time and a whole lot of money into a company that you believed in, and now you owe them over $40,000. You now recognize that your were deceived and you feel this knot in your gut that won't go away.

There are many, many agents in this very spot today. Why are you still there?

Here's the truth:

1) Your managers lied to you from day one and will do whatever they can to hide you from agents like me. If you become enlightened, you will leave. That's why most agents close their eyes and continue to misrepresent their clients.

2) Even with the upgrades, your plans are still inferior than the competition is multiple ways and I can prove it.

3) If you continue to take advances on submittal, you will continue to put yourself into deeper debt and you will suffer once you want to leave.

4) Selling face-to-face is 1800's - we are in the 21st century and we use a cool thing called the internet to sell top major med policies from the comfort of our homes or offices. I personally am on pace to write $900,000 AV this year and I also train a team of over 75 agents spread all over the country. I spend $375 a month on an office, phone plan and internet. I will never run 1 physical appointment and I will retain over 92% of my clients.

5) Every agent that leaves and goes to the right place, doubles their income the first year out. I emphasize 'the right place' (there are some bad places out there, so be careful)

6) If our clients what to shop for a different plan, we still keep them because we are not captive. In fact, we even make more money if they chose to leave.

7) We win beautiful trips, cash prizes, free quality leads every week, and national recognition.

8) We don't prospect - our clients call us

9) We have an exclusive web based quoting tool that shows real time quotes side by side and gives REAL TIME underwriting of the industries best carriers. Any carrier that our client choses will make us a nice commission. We never have to question if they are going to get approved or rated up.


Sound too good to be true? It's not. IF YOU WANT OUT - CONTACT ME AT HEALTH AGENTS DIRECT at YAHOO . COM (altogether) I will only work with agents that are serious and ready to leave. Unfortunately, I don't have the time to anwser 1,000 questions of 'on the fence' agents. There are 100 reasons for you to leave and about 2 reasons you can think of to stay.

Good Luck - you can be successful outside of UGA. I promise!!

Yeah, but did you owe them over 35k with only a few thousand of renewals coming in every month?

Dont worry about paying back any money to MEGA. They will NOT sue you nor will they put it on your credit. I am an ex-employee (got out a year and a half ago) and did NOT pay them back a penny. Get on with your life and dont worry about them.

This is good that I am responding to everybody at this stage of the game. I am on the fence finding out "HOW" to get out of the company and where to go from there. Yep, I owe the company a lot of money.

I see all the notes that Brian from Michigan and John from Ohio writes on the Mega Rip off Reports. Any SMART Mega Agent should know what they are saying about Mega is TRUE. But where do you go to get contracted and become your own agency?

If you work with Brain or John they will also get an override on you (at least 10 -15% according to John's Blog above 5/17/07) I am honestly not sure if this is the right way to go??? Even if they get overrides on your business, it sounds like you earn a lot more than what Mega can offer and at the same time shift your clients from one plan to another.

I also learned that Golden Rule right now is the "Best" Last year Assurant was the "Best" next year ???

If I go to work with one of these guys or find something on my own (not sure what agency) I will let all know where to go.

At least everyone can see my developed story in where I am in the month of Feb. 2008. I'll let everyoone know where I am at in the next few months and this time next year. That way you can see my struggle in what I am going through to get out of MEGA. If I find a strong Agency to contract with or if I open my own agency - I will share with others "HOW" to do it.

Good luck to all. You have gotta leave MEGA. Even though I have not quit the company yet, I call them the Exposed company(past history), which is constantly trying to Evolve into something Better in order to Become a Major Medical Provider!!!

Hi Sarah,

You are from CA, right? What would you sell a 19yr. old? You know he can not afford much. 40 bucks of the premium goes to an association - not insurane.

You would probably put him on a Cover America plan right? That would not even meet this guys future need. But something is better than nothing right.

The fact is the Doctors can do whatever they need to do on this kid because the Insurance allows them to be in control and that should be praised. However, the after fact will be expensive because the Mid West plans are "limited" indemity plans at least Cover America plans are.

Yes they repriced the Bill, but there are certain things in the policy that they will Not cover and you know his follow up dr. visits will not be taken care of because you know for a fact that you are trained not even to sell dr. visits. In fact you do not even get commission when you add dr. visits - did you know that??
If he has dr. visits those too are limited - what about the future specialists as well?? Yep, no coverage there either.

Again, when it comes to a hospital stay- the person will have the best treatment, however, the actual coverage will be limited- depending on what the even is.

I just happened upon this web site and I can't believe what I see! I have had an Insurance plan with Mega Life for 3 years now and I can not believe what is being said is true! I personally had a major claim with this company and can not say anything but good things about the way my claim was handled.

About a year ago, I started to feel really sick - so much so that I went to the emergency room - they could not figure out what was wrong with me - they ended up putting me in the hospital for evaluation. I was there for 6 days! My bill was over $60,000! The insurance company never once said they wouldn't pay for a test, or denied anything that the doctors did to me while I was in the hospital. We never had to wait for the company to authorize a test, the Doctors were able to do anything they felt I needed. The Doctors were so impressed of the "free range" they had. - There were huge discounts from the hospital and the insurance company paid over $40,000 in claims, I was left with nothing but my deductible and little more like $1100 - nothing compared to the $60,000 bill or the $40,000 that the Insurance company paid!


In addition to that, I got money from the disability plan that comes with the plan. They sent me a check for about $1200 - which almost covered my deductible.

I understand not everyone can say good things about their Insurance company and I have heard about the nightmares from a bunch of different companies - but I am sure that if there is someone like me who actually was happy with the way their insurance worked, they would never think to go on a web site like this one and tell their tale - what a shame - this kind of stuff should be told...so here it is, if you are looking to buy a plan from HealthMarkets - I would be happy to recommend them!

Sarah

North Hollywood, California

Sorry about your situation man.

Got some question that you need to have answered. Were you there at the point of sale? Most people, when they buy are really not that interested in the policy until the day they have to use it.

When you bought the policy were you more focussed on price or quality? Your young. What is the name on the brochure? If it was Care One Plus Plan you should of been taken care of because that is a Catastraphic policy as stated on the brochure. Did you receive some cash income - did you call Nase and get your some of the cash income per hospital stay?

Good luck fighting a Health Ins. company. MEGA sends you a pretty thorough policy and you did have a 30 day window to review it and cancel it. Did you do that? Most people do not, but did you?

When did you purchase the policy? If it was over 2 yrs. the policy was probably pretty weak.

One good thing about the policy, I bet you did not have to wait to be treated. Here is the plus side - there was no pre-authorizations, no referals needed. I am sure you were treated fast.

Good luck with your condition, I really do mean that. But now you are probably uninsurable to change plans. Thats the risk with choosing a Health Ins. company. Once you get pretty sick and find out truly if the plan covers you- all the other Health insurance companies will shut the door in your face. Unless, you go get a job with company benifits.

If it were me at the sale I would of probably offered the best policy of Mega Care One Plus and allow you to make the decision of which one would meet your needs and budget

My last contact with Mega Life and health was on 11-14-2007.

I had sent all of my claims that were denied to Nick Trovada. He is the Analyst,Regulatory and Consumer Affairs at Student Insurance Division of Mega Life and Health. His reponse to my denied claims as well as being outright LIED to when I purchased this policy is as follows word for word:

This is to aknowledge the receipt of your letter concerning the above referenced claim numbers. If YOU could provide us the name and date of the person you spoke to regarding this policy, it will help us track the recording of the conversation that took place prior to you purchasing this policy. As it is, we are unable to track the conversation without this information. Please know that we don;t have any salesmen at this office.Therefor, we would have no salesmen that would speal/sell to an individual. Our customer services representatives are educated to respond to questions regarding benefits for VERIFICATION ONLY. They do not guarantee any payments.

Until we are able to review this conversation, we must maintain our position that the brochure is avilable online for benefit viewing prior to purchase.Additionally we do not show phone records of medical procides calling to verify benefits.They would have been provided the policy benefits at the time. Consequently, the claims were processed correctly in accordance with the terms,provisions,benefits and limitations of the policy.

We look forward to receiving this information and hope you find our explanation satifactory. In the interim, if you should have any additional questions,please do not hesutate to contact me at ext 6809.

Sincerely,
Nick Trovada
Analyst,Regulatory and Consumer Affairs at Student Insurance Division
Student Insurance Division
The MEGA Life and Health Insurance Company

You should take some action if you are recovered enough to do that. First, document everything including the deinal letters and read your policy thoroughly. Then file a complaint with your state's department of insurance. I know that Florida's insurance department is one of the most aggressive as far as pursuing complaints. Then talk to a lawyer that understands anything about insurance law.

I smell a potential lawsuit here. If the agent and company misrepresented themselves when the policy was sold, then you may have sufficient grounds for a lawsuit. Only a competent attorney could determine that, but I have seen successful lawsuits over much less in my experience. Also try to get the doctors and hospitals on your side. After all they have a stake in this since you were under the impression that you had health insurance that would cover this condition and pay the medical bills.

Then during your recovery, go out and get a DVD of "The Rainmaker" starring Matt Damon (in one of his first major roles), John Voight and Danny DeVito. Or you could get a copy of the book by John Grisham to read.