US Health Career A CONSUMER RIP=OFF, AGENTS ARE DECEPTIVE AND WILL NOT TELL YOU THE TRUTH Houston, Texas, Under Regional Director, Jim Fuller Ft. Worth Texas

 Greetings,

My name is William and I am an agent in Tennessee who was looking at the US Healt advisors plan but decided to check here first. I am glad I did. If you have agents in Tennesee I am currently looking for a place to send my health business. If you respond I will provide contact information.

In reading these rebuttals I came to a conclusion.  US Health Group is a company who is not out to make the all mighty dollar.  They stress integrity and if you're in this for only the money we are not the company for you.  We are driven to help the consumer with their needs and with the HOPE to be able to provide them with some sort of coverage.  I am a recruit and newly on-board and in truth was very scrutable about coming on board with this company simply because it sounded to good to be true. 

Once I attended the training sessions, spent time with the agents, heard them represent the company in a manner befitting the Regional and Satilight Directors I knew I was in the right place.  I have never worked in this industry as a health care provider and have worked in sales and I would rate the level of integrity and wholeness within this organization to be second to none.  I did spend some time in the auto industry in sales and that was "zero" compared to the type of mentality and honor I hear among these men and women within this organization.  I would NEVER-EVER- represent a company or organization who would say negative statements or make statements much like Mr Norton in pervious statements had made.  I have no idea who he was speaking about but it wasn't US Health Group.  

When someone or an organization goes to great lengths as in pervious rebuttals to "prove" their point it diminishes their position somewhat and makes their point sound a bit contentious or even bitter to me.  It almost leans to the political side of statements as an election was about to begin.  In fact, I'm weary of those statements by now.  Any person or Company who represents themselves in such a way will implode, dissolve or just waste way.  They don't need a person or persons taking shots be they truth or untruth.  If you actually take issue go to the authorities and submit a complaint and move on.  Otherwise you expose yourself as having a political agenda of some sort.  I am bas perhaps and  a joyful employee of US Health Group and they are a quality organization.  Not because I say so for that has no depth.  Because of thousands and thousands of policy holders say so.  We bring Hope to those who otherwise are without coverage.  

Thank you for taking the time to read this.... 

How can a company who supposedly rips off their customers go through the last 5 years of marketing health insurance in the state of Texas with only one (1) justified complaint?  Amazingly enough, this one complaint happened just this year...in 2011.  All this ripping off was back in 2009 when not one complaint was filed. I am an independent contractor, licensed to write business for any company in the state of Texas. The ONLY company I will represent if Freedom Life. This is the only company I trust to serve my customers without trying to get out of paying just claims.  I have been an agent since 1985 and I have never heard the term "low-hanging fruit".  Training agents to misrepresent is an ill-founded charge.  Never has that happened that I know of.  Ben Cutler is the President/CEO of USHealth. I have known and worked for many CEOs in this industry over the last 25 years.  He is the brightest and most ethical man I have known.  I am guilty of getting leads that I do not pay for. This hardly qualifies me to be a rip off artist. UAHealth Group does not have a duck or goose or caveman on TV.  TV advertising does not fit our business model. Our underwriting is also conservative. These two things allow us to have premiums which are reasonable. I replace a lot of big name company policies. Conversly I have not lost a single policy to the "big boys" of the industry.  My guess is that the author of this article may have lost some business to me.  Your vicious attack on this fine company is mute testimony of your own unethical standards.

This statement in no way reflects any official opinion or statements from USHealth Group and only represents my personal views and opinions.

I am the national recruiting manager for the company and in charge of the recruiting process for the field. One theme stands firm from our CEO down through the managers to the field. That theme states, We Hire on Quality not Quantity. In fact all the managers I know who represent our company stand firm on this theme and many times relay back to me that they only want candidates who show that they can make it in sales and for me to further slim down candidates who are responding. We also use a screener system which indicates if a person is even a possible candidate so we dont waste their or our time. If we were a so called scam, we would recruit everyone like some companies I know are trying to do. Some of those recruit up to 1000 per month, taking everyone and hurting the reputation of good companies like ours. We recruit a lot, lot less per month and are very selective. The CEO has many times stated we will recruit right and never be a cattle-call.

The company is a multi level organization
Humm, what company is not? I am prior USAF. I didnt start as a General. Heck what isnt multi-level? I have a boss, who has a boss, who has a boss, who has a boss, who reports to a company, who has stock-holders. But wait; does an agent in sales really have a boss? Nope!! If that agent makes the quotas can they get fire as long as they follow the law? Nope!! Can they get fired if their up line manager doesnt like them? Nope!! Does their manager in anyway control their raises or can take money away from them that is guaranteed by the contract? Nope!! My boss can. So which is more multi-level?

They Train their agents the same way
Thank God. I was trained as a pilot and exactly as all other pilots with a standardized PROVEN training system that had been proven. By the way this company has by far the best "SAME WAY" training system ever invented by any sales company.

Their agents are trained to get the sell, no matter what they have to tell you
If this were the case, then this is one of those cases where the agent could be terminated. I have been in the field and have not heard or seen this type of practice. If I did, I would report it. We have a great product and team and do not sell something that isnt in the best interest of the customer.

They actually go into 'small' groups and change them, in spite of that fact that some employees do not qualify and can't go through their underwriting.
If that were the case, the agent wouldnt make a sale that would stay on the books, wouldnt get paid, and thus this statement contradicts the above statement.

Well, group plans have 'participation' requirements where at least 75% must participate in a plan. When I called the Texas Department of Insurance, they told me in the strongest terms, that an 'employer' cannot have both a 'group AND individual' plan.
This is true. Group plans usually have open enrollment periods where you can elect or not-elect to be in the plan or make changes unless a few unique actions take place. Like a new baby for example. So how would a person or why would a person buy another plan, then go to their employer and try to cancel it? Also, we start at the small business employer with 5 or less employees talking to them first to provide individual coverages for his employees. If he already had a group plan when we make first contact to talk to him, we would thank him for his time and move on. And without that persons approval can you image how it would look bothering his employees without their prior permission?

Final Note:

USHealth Group is an honest company ran by honest down to earth people. This is by far the best company I have been associated with and as anyone can see, there is only just this one thread about our company and until now, after many years, there hadnt been any. Is a sales job for everyone? No. Does everyone who starts it become successful? No. But does everyone who starts college finish? Does everyone who starts out with one career stay with it? Does everyone who starts reading a simple book finish it either? But, like the book, a person who starts this and does the work WILL receive the knowledge of being a very successful insurance salesperson while making an income higher than most will ever make and if they do it right, can have a great income even if they stop working. But better yet, they are their own boss and have followed the major principle of the Rich Dad Poor Dad principle of generating passive income while owning your own business.

Are there fee's to start. Yeah!! At the time I type this about $179.00 and the training to become licensed at a company we are not connected with and with your state fees you are looking at another couple of hundred dollars. Your first sale could make that back. So people then are telling me it's not worth around $400.00 to start your own business, have the tax deductions of having your own business, and a chance to make a great deal of instant and passive income for a $400 investment? Humm

Not everyone finishes, but if not, it's their choice.. Not a company that makes that choice for them. We can provide the tools, but if they are not used as taught, it's by choice.

It sounds, Mr. Norton, as if you have had less than pleasant experience with one/all of the HealthMarkets companies. Not being associated with any of them, I obviously cannot and will not make comment on any facet of their business.

USHealth Group, a wholly owned subsidiary of Credit Suisse, sells major medical health insurance policies, many of which are HSA qualified. As Health Savings Accounts are getting more consumer traction, USHG has an industry advantage of offering a HSA account featuring a 5.15% fixed rate of interest, as of this writing.

You, or any reader, are invited to contact me directly with any questions or concerns as they may pertain to USHealth Group: james.fuller@USHCareer.com.

This is addressed to Brian Norton....obviously you are speaking about the wrong insurance company....Mr. Fuller doesn't represent MegaLife, he represents USHealth Group. And, last time I looked, MegaLife and USHEalth Group were TWO DIFFERENT COMPANIES WHO OFFER DIFFERENT PRODUCTS! MegaLife sells non major medical hospitalization, whereas USHEALTH Group has a MAJOR MEDICAL and HSA product line. Get your story straight before you comment, please.

This is addressed to Brian Norton....obviously you are speaking about the wrong insurance company....Mr. Fuller doesn't represent MegaLife, he represents USHealth Group. And, last time I looked, MegaLife and USHEalth Group were TWO DIFFERENT COMPANIES WHO OFFER DIFFERENT PRODUCTS! MegaLife sells non major medical hospitalization, whereas USHEALTH Group has a MAJOR MEDICAL and HSA product line. Get your story straight before you comment, please.

This is addressed to Brian Norton....obviously you are speaking about the wrong insurance company....Mr. Fuller doesn't represent MegaLife, he represents USHealth Group. And, last time I looked, MegaLife and USHEalth Group were TWO DIFFERENT COMPANIES WHO OFFER DIFFERENT PRODUCTS! MegaLife sells non major medical hospitalization, whereas USHEALTH Group has a MAJOR MEDICAL and HSA product line. Get your story straight before you comment, please.

This is addressed to Brian Norton....obviously you are speaking about the wrong insurance company....Mr. Fuller doesn't represent MegaLife, he represents USHealth Group. And, last time I looked, MegaLife and USHEalth Group were TWO DIFFERENT COMPANIES WHO OFFER DIFFERENT PRODUCTS! MegaLife sells non major medical hospitalization, whereas USHEALTH Group has a MAJOR MEDICAL and HSA product line. Get your story straight before you comment, please.

Let's address some of your wisdom Mr Regional Director.

I agree -that last reporter didn't have must understanding....but I do and I want to address some of your responses.

1) Your training: Now it's easy to say that "this is what we do" but you and I both know that is not what really happens in the real world of your agents and the "behind closed door" conversations with their managers. This is what I was taught when I was there. 1) That Mega is a group and everyone else is individual 2) That everyone else can single you out for rate increases and cancellation, but Mega will not 3) That I was to tell prospects that I could get them anything they want and I represented multiple carriers 4) That we were to specifically omit caps and exclusions when discussing the coverage 5) That we were not to leave the brochure of coverage details behind with the client 6) That we were to sell the NASE benefits more than the insurance coverage

Now- I thought that may have changed over the past few years since I have been gone. But guess what, I have spoken with 12 Mega agents in the past 4 months and they have said all of the same things. Almost all of them were less than one year with Mega/Healthmarkets. I looked them up the state site. I even spoke with a MANAGER a while back - who trains others every day. He represented himself as a broker offering Blue Cross, telling me that Golden Rule would cancel coverage as soon clients get hurt, telling me it was against the law to purchase insurance online, etc, etc.

2) LEADS: Yes, you do offer leads at no cost. We all know that statistically, those leads amount to perhaps 1-2 sales a week, again, if you are decent at selling and you work hard. At their already LOW commission levels and taking into account an average taken ratio - that means that would make roughly $38,000 a year. However, agents are also required to drive to their clients and to weekly meetings each week. As agents are independent, they are required to incur all overhead expenses. Point being, any agent that wants to survive needs to go out and find their own business.

In addition - a MEGA telemarketer from India called my business and called himself John Smith (haha)...anyways, all he wanted was for me to say I may be interested in getting some quotes....I said sure, and he never asked me a question about my situation, my health, anything. This TM lead is then sent to an agent to call me - and you sit back saying "see- we provide free leads!"


3) This line here cracks me up "our agents suggest best-of-breed major medical health insurance solutions tailored to meet the needs of the client, and do so in a professional and ethical manner"

Major Medical? Please explain how you can call your plans Major Medical?
A Major Medical plan consist a Calender Year Deductible, Co-insurance maximum - offering a set limit of financial exposure in even the worst cases. Now you are spitting in the faces of all these poor clients on this blog and others that were suckered into a plan by your inexperienced agents who told them they had a true blue Major medical plan. When you offer caps and exclusions and limitations on regular procedures and prescriptions, along with per occurrence deductibles, you are not selling a major medical plan, you are selling hospital surgical plans, indemnity plans or catastrophic limited plans.

Best of the breed.... really? Can you offer a $500 deductible with 80/20 co-insurance to a cap of $2000 for the total year - along with RX with no caps, unlimited doc visits and preventive care? Can you offer $25 million per person lifetime maximums or 36 month rate locks? If so, please let me know. Ok - so perhaps that is not to best fit for clients. We have over 5 thousand plan alterations at our disposal. Companies that are financially stronger and rated better than Mega - with FAR less complaints. I mean, what makes your plans the BEST OF THE BREED? Wouldn't that imply that it is breeding with others in the marketplace? If so, then who? Please give us concrete examples of how you can possibly compete with Name Brand carriers like Humana, United Health Care, Assurant Health, American Community & Aetna .......

You may say, "well we offer affordable rates to SBO's who don't need all the fluff" - I will make you a promise....if you can beat any of my best plans in coverage, price, and customization then I will come back to Mega and try to bring my entire organization with me. If not, then you have to come work with me! How's that sound?

As an agent that has sold over $5 Million in personal business and as an Agency we will write over $25 Million this year, I would be happy to go head-to-head with you in the ethical and coverage departments that you address.

Surely, as a Regional Manager and being there for so long, you have seen all of the ethical problems that have occured over the years??? If not, then how do you explain over 20 blogs on the internet disputing your claim to be "ethical" How do you explain the state fines and the complaint ratio index which is literally off the cart with the NAIC ?

Furthermore, how do you explain the continual name changes? One of my agents spoke with 2 mega clients last week and they both told him they did not have a Mega plan, but that they had a HealthMakets Plan. (or Cornerstone). He literally had to wait for 10 minutes while the shuffled through papers to find the small print on the bottom where it reads who the underwriter and company really is. Why aren't the agents talking about Mega? If I company is solid - then it has nothing to hide.....sort of like the anonymity that you so eloquently addressed.

Post all you want, stating that you are an ethical organization, and perhaps YOU personally are, Mr Fuller - however, you are only as ethical as the company that you take a pay check from. Your organizations' reputation and credibility is ranked as the lowest in it's class. Agents, clients, state departments and agencies alike nationwide - will attest to this. I recruit hundreds of agents a month from all walks of life, and yes, some from Mega as they are finding out all the truths and leaving. We know your organization.

I welcome any prospect, agent or current client belonging to Mega/HealthMarkets to ask me normal questions. I will not bash the organization, I will not defame it. But I will simply share what I have seen and experienced while dealing hands on with them, their agents, their managers and their clientele.

Brian Norton
Agency Owner

Let's address some of your wisdom Mr Regional Director.

I agree -that last reporter didn't have must understanding....but I do and I want to address some of your responses.

1) Your training: Now it's easy to say that "this is what we do" but you and I both know that is not what really happens in the real world of your agents and the "behind closed door" conversations with their managers. This is what I was taught when I was there. 1) That Mega is a group and everyone else is individual 2) That everyone else can single you out for rate increases and cancellation, but Mega will not 3) That I was to tell prospects that I could get them anything they want and I represented multiple carriers 4) That we were to specifically omit caps and exclusions when discussing the coverage 5) That we were not to leave the brochure of coverage details behind with the client 6) That we were to sell the NASE benefits more than the insurance coverage

Now- I thought that may have changed over the past few years since I have been gone. But guess what, I have spoken with 12 Mega agents in the past 4 months and they have said all of the same things. Almost all of them were less than one year with Mega/Healthmarkets. I looked them up the state site. I even spoke with a MANAGER a while back - who trains others every day. He represented himself as a broker offering Blue Cross, telling me that Golden Rule would cancel coverage as soon clients get hurt, telling me it was against the law to purchase insurance online, etc, etc.

2) LEADS: Yes, you do offer leads at no cost. We all know that statistically, those leads amount to perhaps 1-2 sales a week, again, if you are decent at selling and you work hard. At their already LOW commission levels and taking into account an average taken ratio - that means that would make roughly $38,000 a year. However, agents are also required to drive to their clients and to weekly meetings each week. As agents are independent, they are required to incur all overhead expenses. Point being, any agent that wants to survive needs to go out and find their own business.

In addition - a MEGA telemarketer from India called my business and called himself John Smith (haha)...anyways, all he wanted was for me to say I may be interested in getting some quotes....I said sure, and he never asked me a question about my situation, my health, anything. This TM lead is then sent to an agent to call me - and you sit back saying "see- we provide free leads!"


3) This line here cracks me up "our agents suggest best-of-breed major medical health insurance solutions tailored to meet the needs of the client, and do so in a professional and ethical manner"

Major Medical? Please explain how you can call your plans Major Medical?
A Major Medical plan consist a Calender Year Deductible, Co-insurance maximum - offering a set limit of financial exposure in even the worst cases. Now you are spitting in the faces of all these poor clients on this blog and others that were suckered into a plan by your inexperienced agents who told them they had a true blue Major medical plan. When you offer caps and exclusions and limitations on regular procedures and prescriptions, along with per occurrence deductibles, you are not selling a major medical plan, you are selling hospital surgical plans, indemnity plans or catastrophic limited plans.

Best of the breed.... really? Can you offer a $500 deductible with 80/20 co-insurance to a cap of $2000 for the total year - along with RX with no caps, unlimited doc visits and preventive care? Can you offer $25 million per person lifetime maximums or 36 month rate locks? If so, please let me know. Ok - so perhaps that is not to best fit for clients. We have over 5 thousand plan alterations at our disposal. Companies that are financially stronger and rated better than Mega - with FAR less complaints. I mean, what makes your plans the BEST OF THE BREED? Wouldn't that imply that it is breeding with others in the marketplace? If so, then who? Please give us concrete examples of how you can possibly compete with Name Brand carriers like Humana, United Health Care, Assurant Health, American Community & Aetna .......

You may say, "well we offer affordable rates to SBO's who don't need all the fluff" - I will make you a promise....if you can beat any of my best plans in coverage, price, and customization then I will come back to Mega and try to bring my entire organization with me. If not, then you have to come work with me! How's that sound?

As an agent that has sold over $5 Million in personal business and as an Agency we will write over $25 Million this year, I would be happy to go head-to-head with you in the ethical and coverage departments that you address.

Surely, as a Regional Manager and being there for so long, you have seen all of the ethical problems that have occured over the years??? If not, then how do you explain over 20 blogs on the internet disputing your claim to be "ethical" How do you explain the state fines and the complaint ratio index which is literally off the cart with the NAIC ?

Furthermore, how do you explain the continual name changes? One of my agents spoke with 2 mega clients last week and they both told him they did not have a Mega plan, but that they had a HealthMakets Plan. (or Cornerstone). He literally had to wait for 10 minutes while the shuffled through papers to find the small print on the bottom where it reads who the underwriter and company really is. Why aren't the agents talking about Mega? If I company is solid - then it has nothing to hide.....sort of like the anonymity that you so eloquently addressed.

Post all you want, stating that you are an ethical organization, and perhaps YOU personally are, Mr Fuller - however, you are only as ethical as the company that you take a pay check from. Your organizations' reputation and credibility is ranked as the lowest in it's class. Agents, clients, state departments and agencies alike nationwide - will attest to this. I recruit hundreds of agents a month from all walks of life, and yes, some from Mega as they are finding out all the truths and leaving. We know your organization.

I welcome any prospect, agent or current client belonging to Mega/HealthMarkets to ask me normal questions. I will not bash the organization, I will not defame it. But I will simply share what I have seen and experienced while dealing hands on with them, their agents, their managers and their clientele.

Brian Norton
Agency Owner

Let's address some of your wisdom Mr Regional Director.

I agree -that last reporter didn't have must understanding....but I do and I want to address some of your responses.

1) Your training: Now it's easy to say that "this is what we do" but you and I both know that is not what really happens in the real world of your agents and the "behind closed door" conversations with their managers. This is what I was taught when I was there. 1) That Mega is a group and everyone else is individual 2) That everyone else can single you out for rate increases and cancellation, but Mega will not 3) That I was to tell prospects that I could get them anything they want and I represented multiple carriers 4) That we were to specifically omit caps and exclusions when discussing the coverage 5) That we were not to leave the brochure of coverage details behind with the client 6) That we were to sell the NASE benefits more than the insurance coverage

Now- I thought that may have changed over the past few years since I have been gone. But guess what, I have spoken with 12 Mega agents in the past 4 months and they have said all of the same things. Almost all of them were less than one year with Mega/Healthmarkets. I looked them up the state site. I even spoke with a MANAGER a while back - who trains others every day. He represented himself as a broker offering Blue Cross, telling me that Golden Rule would cancel coverage as soon clients get hurt, telling me it was against the law to purchase insurance online, etc, etc.

2) LEADS: Yes, you do offer leads at no cost. We all know that statistically, those leads amount to perhaps 1-2 sales a week, again, if you are decent at selling and you work hard. At their already LOW commission levels and taking into account an average taken ratio - that means that would make roughly $38,000 a year. However, agents are also required to drive to their clients and to weekly meetings each week. As agents are independent, they are required to incur all overhead expenses. Point being, any agent that wants to survive needs to go out and find their own business.

In addition - a MEGA telemarketer from India called my business and called himself John Smith (haha)...anyways, all he wanted was for me to say I may be interested in getting some quotes....I said sure, and he never asked me a question about my situation, my health, anything. This TM lead is then sent to an agent to call me - and you sit back saying "see- we provide free leads!"


3) This line here cracks me up "our agents suggest best-of-breed major medical health insurance solutions tailored to meet the needs of the client, and do so in a professional and ethical manner"

Major Medical? Please explain how you can call your plans Major Medical?
A Major Medical plan consist a Calender Year Deductible, Co-insurance maximum - offering a set limit of financial exposure in even the worst cases. Now you are spitting in the faces of all these poor clients on this blog and others that were suckered into a plan by your inexperienced agents who told them they had a true blue Major medical plan. When you offer caps and exclusions and limitations on regular procedures and prescriptions, along with per occurrence deductibles, you are not selling a major medical plan, you are selling hospital surgical plans, indemnity plans or catastrophic limited plans.

Best of the breed.... really? Can you offer a $500 deductible with 80/20 co-insurance to a cap of $2000 for the total year - along with RX with no caps, unlimited doc visits and preventive care? Can you offer $25 million per person lifetime maximums or 36 month rate locks? If so, please let me know. Ok - so perhaps that is not to best fit for clients. We have over 5 thousand plan alterations at our disposal. Companies that are financially stronger and rated better than Mega - with FAR less complaints. I mean, what makes your plans the BEST OF THE BREED? Wouldn't that imply that it is breeding with others in the marketplace? If so, then who? Please give us concrete examples of how you can possibly compete with Name Brand carriers like Humana, United Health Care, Assurant Health, American Community & Aetna .......

You may say, "well we offer affordable rates to SBO's who don't need all the fluff" - I will make you a promise....if you can beat any of my best plans in coverage, price, and customization then I will come back to Mega and try to bring my entire organization with me. If not, then you have to come work with me! How's that sound?

As an agent that has sold over $5 Million in personal business and as an Agency we will write over $25 Million this year, I would be happy to go head-to-head with you in the ethical and coverage departments that you address.

Surely, as a Regional Manager and being there for so long, you have seen all of the ethical problems that have occured over the years??? If not, then how do you explain over 20 blogs on the internet disputing your claim to be "ethical" How do you explain the state fines and the complaint ratio index which is literally off the cart with the NAIC ?

Furthermore, how do you explain the continual name changes? One of my agents spoke with 2 mega clients last week and they both told him they did not have a Mega plan, but that they had a HealthMakets Plan. (or Cornerstone). He literally had to wait for 10 minutes while the shuffled through papers to find the small print on the bottom where it reads who the underwriter and company really is. Why aren't the agents talking about Mega? If I company is solid - then it has nothing to hide.....sort of like the anonymity that you so eloquently addressed.

Post all you want, stating that you are an ethical organization, and perhaps YOU personally are, Mr Fuller - however, you are only as ethical as the company that you take a pay check from. Your organizations' reputation and credibility is ranked as the lowest in it's class. Agents, clients, state departments and agencies alike nationwide - will attest to this. I recruit hundreds of agents a month from all walks of life, and yes, some from Mega as they are finding out all the truths and leaving. We know your organization.

I welcome any prospect, agent or current client belonging to Mega/HealthMarkets to ask me normal questions. I will not bash the organization, I will not defame it. But I will simply share what I have seen and experienced while dealing hands on with them, their agents, their managers and their clientele.

Brian Norton
Agency Owner

It occurs to me that anonomous reporters must have something embarrassing to hide and/or their report(s) are less than accurate - otherwise, why the anonymity?

I will attend to the poster's statements one at a time in sequence.

company is like a multi-level organization - incorrect: our career agency is structured like any other outside sales organization with selling representatives, sals manager, office managers and regional directors.

train their agents the same way - incorrect: our training consists of industry knowledge, product knowledge, prospecting and selling skills.

They call consumers, 'low-hanging' fruit. Those are people that they can get without having to pay for lead generation - misleading: "low hanging fruit" is a term used to identify prospects who have expressed an interest as a result of agent activity such as referrals, trade shows, acquaintances, former business associates, etcetera. The reporter's statement suggests that agents are also expected to pay for leads when, in fact, our company provides leads to our agents at absolutely no cost.

agents are trained to get the sell, no matter what they have to tell you - incorrect: our agents suggest best-of-breed major medical health insurance solutions tailored to meet the needs of the client, and do so in a professional and ethical manner.

go into 'small' groups and change them, in spite of that fact that some employees do not qualify and can't go through their underwriting - incorrect & nonsensical: why/how would/could any change take place if the person to be insured were uninsurable, as the reporter suggests?

if it is okay for a small group to have 'two' plans, ONE group and ONE individual (being THEM) they say, 'sure you can' - incorrect & WHAT?? A group certainly does not want/need two plans - what would be the point? Such a idiotic notion would suggest that the group would have double coverage. The reporter's statement in this regard is an excellent example of their obvious lack of knowledge. Of course the Texas Dept. of Insurance would state that double coverage is prohibited. Further, no insurance company would put double coverage into effect.

With over 18 years of noteworthy industry experience, I have never been accussed of being anything less than completely ethical. Having insurance licenses in multiple states, I have never had even one regulatory reprimand.

Jim Fuller
Regional Director
Houston, Texas

After leaving HealthMarkets (also known as UICI, UGA or Cornerstone America) last year, several execs have now formed a new company, SECURITY HEALTH ADVISORS, which is running the same game selling US Health coverage. Is it bad? Is it good? Hard to say for sure but their record seems to speak for itself. In the past, high level sales executives were overheard several times talking about how they were "selling air" to their agents and clients.