• Report: #304231

Complaint Review: HEALTH MARKETS

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  • Submitted: Tue, January 29, 2008
  • Updated: Fri, February 13, 2009

  • Reported By:Vallejo California
HEALTH MARKETS
9151 Boulavard 26 North Richland Hills, Texas U.S.A.

Health Markets, Mega Health Markets, Mega Agents Question Products North Richlands Hills Texas

*UPDATE EX-employee responds: I am Glad I followed my conscience

*Author of original report: Become a Broker

*Author of original report: Become a Broker

*Author of original report: Become a Broker

*UPDATE EX-employee responds: Absolute Ignorance

*Consumer Comment: Mega Life & Health & Midwest National Life Finally Get What They Deserve!

*Author of original report: Sorry Mega got fined

*UPDATE Employee: Wrong - Mega Does pay well

*UPDATE EX-employee responds: Mega pays so well

*UPDATE Employee: Mega Truths

*Author of original report: Final Thoughts on Mega

*Author of original report: Lee misinformed

*Author of original report: Lee misinformed

*Author of original report: Lee misinformed

*Author of original report: Lee misinformed

*Author of original report: Same old Story

*Author of original report: Same old Story

*Author of original report: Same old Story

*Consumer Comment: You are either disingenuous or clueless, Lee. Hard for me to know which.

*UPDATE Employee: Your favorite Story

*Consumer Comment: This is MY favorite MEGA story

*UPDATE Employee: Response to Response

*Author of original report: Response

*Author of original report: Hi Lee

*Author of original report: Hi Lee

*Author of original report: Hi Lee

*Author of original report: Hi Lee

*UPDATE Employee: The Facts

*Author of original report: Ok

*UPDATE Employee: buzzzzzzz - WRONG

*Author of original report: Response to PS

*UPDATE EX-employee responds: That is incorrect

*UPDATE EX-employee responds: PSS

*UPDATE Employee: P.S.

*UPDATE Employee: Different Strokes fo Different Folks

*UPDATE EX-employee responds: Ok That is helpful

*UPDATE EX-employee responds: Answer to your question

*UPDATE EX-employee responds: Answer to your question

*Author of original report: A little unclear

*UPDATE EX-employee responds: Payback commissions you worked hard to get.....joke

*Author of original report: Inching my way out

*UPDATE EX-employee responds: Not true about flipping clients as a broker.

*UPDATE EX-employee responds: Stop drinking the Koolaid--GET OUT NOW!

*UPDATE EX-employee responds: GET OUT NOW!

*UPDATE Employee: Not True Derrick

*Consumer Suggestion: Mega

*Consumer Suggestion: Mega

*Consumer Suggestion: Mega

*Consumer Suggestion: Mega

*UPDATE Employee: I disagree

*Author of original report: Worked Hard for Mega and Now I owe 40K

*Consumer Comment: Get out of this quicksand company immediately

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I am an agent with the company and have some concerns.

Every year the company awards the top agents a trip to Homecoming. At Homecoming the president announces new products in order to help people. Eery year I go thinking it will be my last until my hope is renewed once again with a better product.

This year was the biggest break through with the company. We are moving to an anual (1) deductible and 90% coinsurance - not bad heh? But this plan will only be available with some states. CALIFORNIA will probably never get any of their CARE ONE products approved even though they were introduced two years ago to the company- so CA as of now does have yuck plans.

Here is the thing, I am torn. The products get pretty good when you add on certain riders especially ancillary products (CASH Income). But specialist services only are covered in prevantitive plus rider maxed out at 8k if you do not use the plan for 8 yrs and before my clients cancel with the rate increases every year.

My pay is always altered by taken rate, even though 95% of the time it is out of my control.

I owe the company over 30K so I cant just walk away because I found out that I have been living on loans.

Independent brokers out there kinda perk my interest, but I do not know how that really works or even how to get started doing that.

I am scared to follow up with clients that I have written up a few yrs. back because I think they would have problems with their plan and i can not help. i do get sales 90 -100% closing rate but I give them what they want and sometimes I know it sucks - but something is better than nothing

If anyone knows a way out or if there is a better way in helping people please respond back. Do independent brokers get paid more only to owe the companies they represent more because commissions are higher?

Do they still have to buy leads and set there own appointments and burn through so much gas to keep getting stood up??
If anybody knows help becaue I want out

Unsure
Vallejo, California
U.S.A.

This report was posted on Ripoff Report on 01/29/2008 12:25 AM and is a permanent record located here: http://www.ripoffreport.com/r/HEALTH-MARKETS/North-Richland-Hills-Texas-76182/Health-Markets-Mega-Health-Markets-Mega-Agents-Question-Products-North-Richlands-Hills-T-304231. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 UPDATE EX-employee responds

I am Glad I followed my conscience

AUTHOR: Unsure - (U.S.A.)

It has now been one year since I first started my seeking to get out of Healht Markets. It was the one of the BEST decsions I have ever made. No more getting in my car driving to appointments. No more freaking out about the next week in trying to set appointments. NO more getting stood up. No more worry. Those who are at Health Markets please do not be afraid of becoming a broker. It will free up your time and your lifestyle. Its wonderful!!!!
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#2 Author of original report

Become a Broker

AUTHOR: Unsure - (U.S.A.)

I have NEVER EVER met anybody from Mega that gave up being a Health Insurance Broker to become a Captive Agent with Mega. In fact, all who leave Mega to become a broker become even more convinced that the plans that they used to sell with Mega are expensive and "Limited" They would NEVER sell MEGA plans even if they could due to the coverage and price.
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#3 Author of original report

Become a Broker

AUTHOR: Unsure - (U.S.A.)

I have NEVER EVER met anybody from Mega that gave up being a Health Insurance Broker to become a Captive Agent with Mega. In fact, all who leave Mega to become a broker become even more convinced that the plans that they used to sell with Mega are expensive and "Limited" They would NEVER sell MEGA plans even if they could due to the coverage and price.
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#4 Author of original report

Become a Broker

AUTHOR: Unsure - (U.S.A.)

I have NEVER EVER met anybody from Mega that gave up being a Health Insurance Broker to become a Captive Agent with Mega. In fact, all who leave Mega to become a broker become even more convinced that the plans that they used to sell with Mega are expensive and "Limited" They would NEVER sell MEGA plans even if they could due to the coverage and price.
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#5 UPDATE EX-employee responds

Absolute Ignorance

AUTHOR: Will - (U.S.A.)

You people are ignorant.

The $20 Mil fine is a slap on the wrist to a billion dollar company. Think about it. $20 million divided by 29 States over (I am pretty sure) 5 years? Comes out tp $137k per year. Even if it is over 3 years, it still comes out to less than $230k per year per state. That is nothing. Plus the company has planned for it for years.

Also, whoever the idiot was that misquoted himself on the 80/20 plans. You need to get your facts straight and read all the posts on this site before you respond. In every state where Mega offered the HealthChoice plan you are trying to refer to (but of course left allot out), they also offered the Signature Plan, which gives 100% up to $2 million with no limit on room and board, surgeons, miscellaneous charges, etc.

People have their choice of what they want to buy and if they don't want to fork out the money for a decent plan, that should be their fault, not Mega's. I have a Mega policy (Signature Plan) and was in the hospital and it paid my entire bill except my deductible. I know others in the same situation.

You lack of sharing this info and your obvious misrepresentation about the plan you are discussing shows your absolute ignorance.

With regards to the Best rating, who gives a hoot? I will bet you a million bucks they will be around 10 years from now. You want to take that bet?
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#6 Consumer Comment

Mega Life & Health & Midwest National Life Finally Get What They Deserve!

AUTHOR: C. Steven Tucker - (U.S.A.)

Mega Life & Health & Midwest National Life Finally Get What They Deserve!

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, a.ka. NASE - National Association for Affordable Services, formerly known as U.I.C.I. 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. For the fine and the whole story visit the following URL http://www.insurance.wa.gov/oicfiles/marketconduct/2007mc/RSA05292008Final.pdf
Read the Market Conduct Report at the following URL: http://www.insurance.wa.gov/oicfiles/marketconduct/2007mc/MegaReportFinal.pdf

If you or a loved one have fallen victim to this organization and have purchased one of their "insurance products" please do not hesitate to contact me via the contact us page of our web site @ www.smallbusinessinsuranceservices.com for a complete review of your situation and an immediate replacement of your coverage. The risk to you and your loved ones is much to great if you remain "insured" by any of the policies offered by this organization. You can also contact me directly toll free @(866) 724 7123 or via email: steve@sbisvcs.com or click on the "LIVE HELP" button on any page of our web site here: www.sbisvcs.com
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#7 Author of original report

Sorry Mega got fined

AUTHOR: Unsure - (U.S.A.)

Anybody who thinks that the Multi-State Investigation was really no Big Deal, well Am Best has it on their Web Mail that they just got hit with a 20 MILLION Fine!!! That is not from policy holders but from those who did a 5 year invvestigation on the company. During that time Mega was scrambling to make as many upgrades as possible

Also Mega has lowered there rating from A- to B++ Long term is BBB+. Here is the really Bad News they have a "Negative Outlook"

There are other companies that have higher ratings.

Humana has an A- Rating with "Stable Outlook"
Aetna has an A- Rating with "Stable Outlook"
Golden Rule has an A Rating with "Stable Outlook"

Golden Rule is offered in multiple states. I like to offer these plans in the Western States.

LifeWise and HealthNet have lower ratings like Mega, however, they have a stable outlook.

I, personally really like Golden Rule, Aetna, and Humana. These companies are Just Strong and Stable. They are also very affortable. I wish I knew the quality of these plans years ago.

Looks like Mega is one of t he few health insurance companies that has a "Negative Outlook"
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#8 UPDATE Employee

Wrong - Mega Does pay well

AUTHOR: Lee - (U.S.A.)

You are very misinformed and you leave allot out as usual. You do not have to take advances. I don't. Haven't in a long time.

Here is how it really works for those people who want the truth. By the way, this is how it works at most insurance companies:

Let's say your commission is 20% and you sell a policy for $500 per month. The Annual Volume (AV) of that sale is 6000 AV. The commission on that policy is $1,200 if that person keeps the policy a full year. That equates to $100 per month pay for your first year earnings.

So, If an agent started on Jan 1st and sold the policy his first day and the policy went to effect immediately, then at the end of January, that agent would earn $100. On the first of February the Earnings report would come out and would show the agent's account generated $100 in earnings. On Feb 15th, the agent would get paid $100.

Since that takes a period of time (6 weeks) most people can't wait because they have to pay their light bill or buy groceries. Therefore, the company is willing to give the agent an "Advance" for the first 6 months the next week.

So if the sale will generate $100 per month then 6 months of advances is $600. The following Friday after the sale is turned in, Mega will pay the agent $600.

Now let's say you have a loser, unscrupulous agent (similar to the ex-agents on this site). Let's say that agent has 10 sets of friends and says "Hey, I can make a quick buck here and quit." He could, in theory, sell 10 sets of policies at 6000 AV which equals 60,000 AV. He could then get an advance of $6,000. Only problem is the agent then has his friends cancel their plans to get his money back. Now Mega is stuck holding the bag of $6,000 that they handed out in good faith. That agent did not make $6,000. He was loaned $6,000 and those policies have to be on the books for 6 months for it to pay itself off.

Let's say the same type of person sells policies that he should not have sold. Maybe it is in an underwritten state, and the agent new a policy would kick but turned it in anyway. If he turned in 10 policies and 1 kicked, then his taken rate will go down to 90% as it should. He still got paid an advance more than he should have. His taken rate will recover after a period of time, and even though he has a lower taken rate, it has no effect on his backend account. The amount he makes per month stays the same as long as the policies are in effect. at the end of the year, the agent would have made the same amount if he had not turned the bad policy in.

Mega charges a percentage on the money that it is owed. Why? Well, why not?Let's think about it. The money came from somewhere right? Maybe they have a revolving credit line and have to pay interest on it and pass it on. You can't possibly expect a loan for free can you? Well, if Mega did that imagine the scams that bad agents would run. Do you have a home equity line on your house? Well let's think about that. Your house is worth $500,000. You owe only $300,000. You take a home equity loan with your bank for $100,000. You then spend $50,000 of that loan. Don't you think you should pay interest on that money? What if you had a relative that needed to borrow $50,000 for some reason. Someone has to pay the interest. You would probably say "well, I will lend you the money, but I have to pass on the interest to you."

Again. I am sick of the idiots on this site. To sit there under a pseudoname and gripe about, "Oh, GEEEEEZZZZ, I don't understand! Why can't Mega give me $100,000 in advances...then I am going to quit. But why do I have to pay it back? They must be crooks." The crooks are the ones who take advances after turning in bad business, spending the money, and then crying about it afterwards.

The pay structure at Mega IS GREAT. You just have to get off your butt and actually work. If it took you FOUR YEARS to figure out the advance structure, I pity you. I did not get it right away, but asked about it after the first month.

I no longer have advances. I collect my full backend.

Yes, Mega is the company that I want to work for. I have no issues with the pay. Obviously you don't get it or you want something for free.
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#9 UPDATE EX-employee responds

Mega pays so well

AUTHOR: Phil - (U.S.A.)

Mega claims to have a great pay structure for their agents. Beacuse you don't have to pay back an advance on a plan that cancels or is not issued right away, instead it is simply added to your "backend". Sounds great right!

After worked for Mega for 4 years the light came on and I saw how that all worked out. They encourage their agents to sell all the plans they can, and of course you will have some that don't get issued, and a few will cancel, but that's ok.

Remember Mega gives you an advance you don't have to pay back in a lump sum right away so you can keep going, so keep selling all you can. In the mean time what happens when Mega tightens up it's underwriting, like all carriers do at times, and fewer plans get approved, but don't worry, you are paid on submittal and you don't have to pay it back right away, right!

Just remember, you have to pay back that advance to the company and you pay with interest because it is actually a loan. So, now who is taking a risk?

Not the company that says it really looks out for you the agent so much. They get their money either way, and in fact if it would seem that there is less hassels for them if the plan is never issued as they have no claims or complaints to deal with.

So when underwriting gets tight and more plans are not issued, just remember the company is still getting it's money back from you the agent with interest. Is that the sort of company you would like to work for?
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#10 UPDATE Employee

Mega Truths

AUTHOR: Lee - (U.S.A.)

Good. Let's hope that is the end of that. Now that that is over, let's be honest about a few things:

Fact - Mega Life & Health has been in business almost 30 years.

Fact - There are 50 states in the US, and insurance regulators in each state have their own view on what a legitimate policy is. These regulators have to approve a health plan to be sold to the public. That is correct. A company cannot just start selling a crappy plan. They have to be approved by the Insurance Commissioner in that state.

Fact - Mega offers a whole bunch of different types of policies across the country. Since we established that the US has 50 different states and there is an insurance commissioner in each of them, that is allot of variations on a policy.

Fact - All insurance companies have issues from time to time. Let's use Blue Cross as an example. Good company. No major issues, right? Go to google or whatever and type in "Blue Cross Lawsuits" and you will see that there are a slew of them in CA. On the other hand, there are relatively none in say New Hampshire. Again proof that there are different variations of plans.

Fact - Mega has offered a plan in the past called a "Health Choice Plan". The purpose of the plan was to offer some basic coverage to people who did not have allot of money and wanted something. The plan would give you a choice of coverage types the price of which increased as the coverage increased. It was never intended to be a top notch plan.

For example, you can purchase a plan with $300 per day room and board coverage up to $1,000 room and board. If you want more than that, you have to buy a Signature Plan, which does not have that limitation. Not everyone can afford to buy a nice safe Volvo, but we all know that a Volvo will give you more crash protection than say a Volkswagon. Unfortunately for humans, we do get into crashes and the Volvo will fare better than the VW.

Fact - Mega does not sell insurance plans. Agents sell plans.

Fact - All of Mega's agents are 1099 at 100% commission. No salaries. No reimbursement for gas or mileage. There are approximately 2000-3000 agents at any given time at Mega and around 1,500 at the sister company Midwest.

Fact - These agents need to eat and feed their families just like everyone else needs to eat and feed their families. There job is to show you plans that make sense for your budget plain and simple. You can buy a VW or you can buy a Volvo. Heck, you can buy a Mercedes if you want. But what you buy is what you get. You can't by a VW and then later gripe to the company that you wanted a Mercedes.

Fact (Major Fact) - People retain only 10% of what they are told. I do not care what policy you get, unless you are an agent selling it, there is NO WAY that a year later you are going to remember the details about it. Therefore, while that $500 a day room and board plan sounded good at the time, 10 years later, room & board rates at hospitals may have doubled. Just like while your house right now might be worth a certain dollar value of say $500k, most people forget that when they bought it for $300k, they took out insurance on a $300k replacement.

Fact - Mega Life & Health does have levels of their plans that do give great coverage. However, sometimes people take something cheaper "for now" to save a few bucks. SOLUTION - Don't be a cheapskate. Buy a decent plan.

Fact - Things happen. People get cancer. People get into car accidents.

Fact - If something does happen to someone and they bought inadequate coverage, there are many cases where all of a sudden their memory becomes hazy and they seem to remember that their agent said "everything is covered."

Now to agents,

Fact - In a 100% commission job, new people get desperate. Desperate people do desperate things. SOLUTION - Make sure your agent has been around for a while.

FACT - Agents who do unscrupulous things lose their jobs. Mega terminates the contracts of agents ALL THE TIME. This is the same for any insurance company.

FACT - Agents who lose their contracts with cause (meaning terminated for doing something wrong) lose EVERYTHING (as they should). They lose any stock, bonuses, or back ends. If they owe money to the company they must pay it back.

FACT - Agents who lose everything for being bad agents and doing unethical things hate MEGA.

FACT (MAJOR FACT) - Agents who leave MEGA go somewhere...where do you think they go? Well...They become brokers for whoever will take them.

FACT - The majority of posts on this site about Mega are from ex-agents.

I don't think I need to say anything else.
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#11 Author of original report

Final Thoughts on Mega

AUTHOR: Unsure - (U.S.A.)

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 or at least not responding to LEE Anymore

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 and had concerns as a current top producing Agent for Mega about their multitple changes. 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!

Ps. Also, thank you for the Friendly Help as well. I sincerely hope you are doing better.
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#12 Author of original report

Lee misinformed

AUTHOR: Unsure - (U.S.A.)

Lee, sorry bud.

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 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.
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#13 Author of original report

Lee misinformed

AUTHOR: Unsure - (U.S.A.)

Lee, sorry bud.

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 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.
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#14 Author of original report

Lee misinformed

AUTHOR: Unsure - (U.S.A.)

Lee, sorry bud.

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 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.
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#15 Author of original report

Lee misinformed

AUTHOR: Unsure - (U.S.A.)

Lee, sorry bud.

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 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.
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#16 Author of original report

Same old Story

AUTHOR: Unsure - (U.S.A.)

Thanks for the Friendly help.

Wow that was a huge bill. But, the interesting thing is how many little bills you got over those years. Man, it is the same thing with many of my clients. It freaks them out to check the mail.


Friends, I was a good agent. I like how the defender of Mega keeps saying< "If you want to pay less you get a cheap plan, but it you pay more you get the better plans." Blah Blah Blah

The fact is still there. I can sell a Comprehensive Major Medical Plan from one of Golden Rules (or many other carriers) with their best coverage for about the same price as Mega's most limited coverage Care One Value or Cover America with Midwest.

So if someone wants cheap- then turn to Golden Rule (or another major medical provider) for a whole lot better coverage.

My Friendly Support, had no Out of Pocket Max. I believe MidWest Cover America's out of pocket max is 100K if the agent added it to the plan. Wow.

Out of pocket Max. is important- that is why people purchase Health Insurance. It is to be covered for the "BIG THINGS" right?
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What's this?

#17 Author of original report

Same old Story

AUTHOR: Unsure - (U.S.A.)

Thanks for the Friendly help.

Wow that was a huge bill. But, the interesting thing is how many little bills you got over those years. Man, it is the same thing with many of my clients. It freaks them out to check the mail.


Friends, I was a good agent. I like how the defender of Mega keeps saying< "If you want to pay less you get a cheap plan, but it you pay more you get the better plans." Blah Blah Blah

The fact is still there. I can sell a Comprehensive Major Medical Plan from one of Golden Rules (or many other carriers) with their best coverage for about the same price as Mega's most limited coverage Care One Value or Cover America with Midwest.

So if someone wants cheap- then turn to Golden Rule (or another major medical provider) for a whole lot better coverage.

My Friendly Support, had no Out of Pocket Max. I believe MidWest Cover America's out of pocket max is 100K if the agent added it to the plan. Wow.

Out of pocket Max. is important- that is why people purchase Health Insurance. It is to be covered for the "BIG THINGS" right?
Respond to this report!
What's this?

#18 Author of original report

Same old Story

AUTHOR: Unsure - (U.S.A.)

Thanks for the Friendly help.

Wow that was a huge bill. But, the interesting thing is how many little bills you got over those years. Man, it is the same thing with many of my clients. It freaks them out to check the mail.


Friends, I was a good agent. I like how the defender of Mega keeps saying< "If you want to pay less you get a cheap plan, but it you pay more you get the better plans." Blah Blah Blah

The fact is still there. I can sell a Comprehensive Major Medical Plan from one of Golden Rules (or many other carriers) with their best coverage for about the same price as Mega's most limited coverage Care One Value or Cover America with Midwest.

So if someone wants cheap- then turn to Golden Rule (or another major medical provider) for a whole lot better coverage.

My Friendly Support, had no Out of Pocket Max. I believe MidWest Cover America's out of pocket max is 100K if the agent added it to the plan. Wow.

Out of pocket Max. is important- that is why people purchase Health Insurance. It is to be covered for the "BIG THINGS" right?
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#19 Consumer Comment

You are either disingenuous or clueless, Lee. Hard for me to know which.

AUTHOR: Friendly Help - (U.S.A.)

What is allowed or disallowed by the Blues is strictly between the hospital & the Blue. This contract condition is part of the agreement between the Blues & the hospitals, etc. If the Blue disallows a hospital charge, or reduces an allowed charge, so be it. The policyholder has no dog in that fight. You SHOULD know this, but either you do not, or you are simply making up horror stories.

The example I cited is HERE on RoR and can be easily found by searching under ''MEGA''. Try the RoR 'search' function and see for yourself, instead of spending your time making up stories.

So a really bad MEGA policy was discontinued because ot the situation I have listed? So what? That policy should have NEVER, EVER, BEEN SOLD IN THE FIRST PLACE. Any responsible person with a shred of ethical sense and integrity should have been able to forsee this result! You have damned your own company.
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#20 UPDATE Employee

Your favorite Story

AUTHOR: Lee - (U.S.A.)

It comes down to this:

Mega offers plans with good coverage. If you choose to pay very little, then you get very little. If you pay more you get more.

Additionally, As far as I know, Mega does not offer the plan you are talking about anymore because of that exact type of situation. In the state I work in, the limit would have been $2 million, and you would not have that problem.

Of course, we are assuming that you are being truthful as you have not provided a customer's name.

By the way, I know a customer that had over $80,000 of claims with United Healthcare and they paid $70.

I know a customer that had over $200,000 in claims with Blue Cross and were left with $70,000 in bills because BC thought many charges were unnecessary.

There are stories everywhere.

The fact is with Mega that there are good plans available. If you want cheap, you can get it. If you want good, you can get that too.
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#21 Consumer Comment

This is MY favorite MEGA story

AUTHOR: Friendly Help - (U.S.A.)

''For about $600 a month, Mega pays its claims like this. My mother developed cancer and here is a summary:''


Date Fee or Charge MEGA Paid
6/22/2004 $39.00 $0
6/22/2004 $44.00 $0
8/30/2004 $45.00 $0
8/30/2004 $139.00 $78.00
9/2/2004 $147.00 $50.00
9/8/2004 $7.00 $0
9/17/2004 $71.00 $0
9/17/2004 $39.00 $0
9/17/2004 $44.00 $0
10/1/2004 $39.00 $0
9/2/2004 $172.00 $79.92
10/1/2004 $44.00 $0
10/1/2004 $71.00 $50.00
11/22/2004 $71.00 $0
8/30/2004 $139.00 $0
8/30/2004 $45.00 $0
12/2/2004 $1,316.00 $368.64
12/8/2004 $105.00 $0
12/8/2004 $44.00 $0
12/8/2004 $39.00 $0
12/7/2004 $2,308.51 $0
12/10/2004 $115.00 $0
12/10/2004 $90.00 $45.69
1/6/2005 $84.00 $0
12/10/2004 $519.00 $87.86
1/5/2005 $154.00 $50.00
1/8/2005 $139.00 $0
1/11/2005 $185.00 $0
12/7/2004 $614.00 $0
12/29/2004 $132.00 $32.00
1/7/2005 $285.00 $0
1/6/2005 $110.00 $0
1/10/2005 $84.00 $0
1/7/2005 $84.00 $0
1/6/2005 $1,168.00 $0
1/7/2005 $2,629.00 $0
1/7/2005 $2,219.00 $0
1/13/2005 $873.00 $0
1/11/2005 $110.00 $0
1/12/2005 $550.00 $0
1/19/2005 $2,029.00 $0
1/14/2005 $410.00 $0
1/11/2005 $410.00 $0
1/24/2005 $43.00 $9.00
12/29/2004 $64.00 $37.74
1/18/2005 $882.00 $0
1/20/2005 $3,986.00 $0
1/13/2005 $725.00 $0
1/17/2005 $410.00 $0
1/8/2005 $410.00 $0
1/10/2005 $882.00 $0
1/12/2005 $410.00 $328.00
1/8/2005 $33.00 $0
1/24/2005 $56.00 $41.00
1/6/2005 $625.00 $0
1/12/2005 $190.00 $0
1/5/2005 $1,120.00 $0
1/12/2005 $28.00 $0
1/5/2005 $25,143.02 $0
2/13/2005 $168.00 $0
1/18/2005 $882.00 $0
1/19/2005 $2,029.00 $0
1/20/2005 $3,986.00 $0
1/8/2005 $410.00 $0
1/10/2005 $882.00 $0
1/11/2005 $410.00 $0
1/12/2005 $410.00 $0
1/13/2005 $725.00 $0
1/14/2005 $410.00 $0
1/17/2005 $410.00 $0
12/10/2004 $4,105.29 $0
1/11/2005 $28.00 $0
1/24/2005 $5,516.00 $0
1/7/2005 $6,138.00 $0
1/7/2005 $5,442.00 $0
1/25/2005 $1,640.00 $0
1/31/2005 $1,440.00 $0
2/2/2005 $882.00 $0
2/4/2005 $99.00 $99.00
1/24/2005 $40.00 $0
1/31/2005 $2,814.45 $0
1/19/2005 $2,387.50 $0
1/24/2005 $2,419.00 $0
2/4/2005 $584.95 $484.95
2/13/2005 $34.00 $0
2/13/2005 $33.00 $0
2/13/2005 $43.00 $0
2/15/2005 $56.00 $0
2/16/2005 $67.00 $0
2/16/2005 $14.00 $0
2/19/2005 $124.00 $0
2/15/2005 $110.00 $0
2/16/2005 $20.00 $0
2/18/2005 $45.00 $0
2/19/2005 $24.00 $0
2/21/2005 $40.00 $0
2/13/2005 $32.00 $0
2/13/2005 $234.00 $0
2/22/2005 $20.00 $0
2/23/2005 $10.00 $0
2/19/2005 $248.00 $0
2/18/2005 $284.00 $0
2/4/2005 $24.00 $24.00
2/4/2005 $410.00 $0
2/24/2005 $20.00 $0
2/26/2005 $45.00 $0
2/26/2005 $14.00 $0
2/16/2005 $32.00 $0
2/13/2005 $25,936.85 $5,605.85
2/16/2005 $82.00 $0
2/17/2005 $198.45 $101.45
2/14/2005 $20.00 $0
2/14/2005 $20.00 $0
2/15/2005 $20.00 $0
2/16/2005 $10.00 $0
1/7/2005 $966.00 $0
12/29/2004 $749.08 $565.66
2/28/2005 $381.00 $0
2/28/2005 $150.00 $0
2/28/2005 $100.00 $0
2/20/2005 $32.00 $0
3/2/2005 $75.00 $0
2/23/2005 $248.68 $200.68
2/21/2005 $259.18 $50.18
2/13/2005 $25,931.00 $0
2/28/2005 $28.00 $0
2/28/2005 $49.00 $0
3/12/2005 $168.00 $0
3/11/2005 $84.00 $0
2/28/2005 $625.00 $0
2/26/2005 $32.00 $0
3/1/2005 $347.00 $0
3/1/2005 $83.00 $0
3/4/2005 $28.00 $0
3/3/2005 $26.00 $0
3/16/2005 $75.00 $0
3/14/2005 $511.00 $0
3/16/2005 $633.00 $0
3/3/2005 $28.00 $0
3/5/2005 $56.00 $0
2/22/2005 $32.00 $0
2/18/2005 $45.00 $0
2/19/2005 $10.00 $0
2/15/2005 $56.00 $0
2/16/2005 $35.00 $0
2/26/2005 $24.00 $0
2/27/2005 $10.00 $0
2/22/2005 $20.00 $0
2/23/2005 $10.00 $0
2/13/2005 $28.00 $0
2/14/2005 $33.00 $0
3/10/2005 $28.00 $0
2/14/2005 $20.00 $0
2/14/2005 $10.00 $0
2/24/2005 $20.00 $0
2/26/2005 $35.00 $0
2/20/2005 $24.00 $0
2/22/2005 $35.00 $0
2/15/2005 $20.00 $0
2/16/2005 $10.00 $0
2/16/2005 $51.00 $0
2/17/2005 $10.00 $0
2/13/2005 $34.00 $0
2/13/2005 $15.00 $0
3/8/2005 $28.00 $0
3/16/2005 $56.00 $0
3/23/2005 $28.00 $0
3/14/2005 $200.00 $0
2/19/2005 $700.00 $304.00
3/18/2005 $28.00 $0
3/17/2005 $28.00 $0
2/4/2005 $410.00 $328.77
2/23/2005 $10.00 $0
2/22/2005 $20.00 $0
2/21/2005 $40.00 $0
2/19/2005 $24.00 $0
2/18/2005 $45.00 $0
2/2/2005 $882.00 $0
2/27/2005 $1,055.85 $250.85
2/27/2005 $0 $0
3/14/2005 $215.00 $0
3/7/2005 $28.00 $0
3/19/2005 $55.00 $0
3/22/2005 $360.00 $0
3/15/2005 $28.00 $0
3/5/2005 $240.00 $0
3/7/2005 $360.00 $0
3/9/2005 $28.00 $0
3/20/2005 $84.00 $0
2/28/2005 $492.00 $0
3/1/2005 $480.00 $0
3/10/2005 $480.00 $0
3/18/2005 $175.00 $0
3/21/2005 $28.00 $0
3/20/2005 $28.00 $0
3/19/2005 $28.00 $0
2/4/2005 $584.95 $0
3/25/2005 $28.00 $0
3/13/2005 $56.00 $0
3/11/2005 $28.00 $0
3/22/2005 $28.00 $0
2/13/2005 $25,931.00 $0
2/28/2005 $21.00 $0
3/24/2005 $28.00 $0
2/28/2005 $144,432.39 $34,987.00
2/13/2005 $25,931.00 $0
2/19/2005 $700.00 $0
3/24/2005 $28.00 $0
12/7/2004 $2,308.51 $1,001.05
12/10/2004 $4,105.57 $1,134.22
12/10/2004 $115.00 $0
12/7/2004 $614.00 $0
1/5/2005 $1,120.00 $740.96
1/6/2005 $84.05 $50.05
1/24/2005 $5,926.00 $1,251.31
1/7/2005 $11,170.00 $1,251.31
1/25/2005 $2,260.00 $1,809.89
2/1/2005 $1,702.00 $1,363.02
1/6/2005 $110.00 $0
1/7/2005 $84.05 $50.05
1/7/2005 $285.00 $0
1/6/2005 $1,168.26 $250.26
1/7/2005 $4,848.00 $0
1/6/2005 $625.00 $0
3/13/2005 $42.00 $0
2/28/2005 $144,432.39 $0
2/13/2005 $25,931.00 $0
2/19/2005 $124.37 $100.37
2/16/2005 $82.79 $50.79
2/13/2005 $234.79 $50.79
2/13/2005 $33.00 $0
2/20/2005 $32.00 $0
2/19/2005 $248.37 $100.37
2/16/2005 $20.00 $0
2/18/2005 $45.00 $0
2/19/2005 $24.00 $0
2/21/2005 $40.00 $0
2/13/2005 $168.00 $0
3/11/2005 $28.00 $0
3/13/2005 $56.00 $0
3/10/2005 $480.73 $200.73
3/18/2005 $175.37 $100.37
3/7/2005 $360.55 $150.55
3/1/2005 $480.73 $200.73
3/5/2005 $240.37 $100.37
2/28/2005 $493.36 $371.76
3/7/2005 $28.00 $0
3/9/2005 $28.00 $0
3/8/2005 $28.00 $0
3/14/2005 $511.00 $0
3/3/2005 $26.00 $0
3/1/2005 $347.00 $0
2/28/2005 $625.00 $0
3/11/2005 $84.18 $50.18
3/12/2005 $168.37 $100.37
2/28/2005 $49.00 $0
3/2/2005 $75.00 $0
2/28/2005 $100.00 $0
2/28/2005 $150.00 $0
2/28/2005 $382.12 $305.92
3/10/2005 $28.00 $0
3/5/2005 $56.00 $0
3/3/2005 $28.00 $0
3/4/2005 $28.00 $0
3/1/2005 $83.00 $0
2/28/2005 $28.00 $0
2/26/2005 $32.00 $0
3/24/2005 $28.00 $0
3/22/2005 $28.00 $0
3/13/2005 $56.00 $0
3/19/2005 $28.00 $0
3/20/2005 $28.00 $0
3/21/2005 $28.00 $0
3/15/2005 $28.00 $0
3/22/2005 $360.55 $150.55
3/20/2005 $84.18 $50.18
3/19/2005 $55.18 $50.18
3/14/2005 $215.00 $0
3/17/2005 $28.00 $0
3/18/2005 $28.00 $0
3/14/2005 $200.00 $0
3/23/2005 $28.00 $0
3/16/2005 $634.80 $492.20
3/16/2005 $75.00 $0
2/19/2005 $304.00 $0
1/8/2005 $410.00 $0
1/10/2005 $882.00 $0
1/11/2005 $410.00 $0
1/13/2005 $725.00 $0
1/14/2005 $410.00 $0
1/17/2005 $410.00 $0
1/18/2005 $882.00 $0
1/19/2005 $2,029.00 $0
1/20/2005 $3,986.00 $0
1/19/2005 $2,029.00 $1,250.00
1/18/2005 $882.00 $705.60
1/13/2005 $725.00 $580.00
1/11/2005 $410.00 $328.00
1/8/2005 $410.00 $328.00
1/10/2005 $882.00 $705.60
1/17/2005 $410.00 $328.00
1/20/2005 $3,986.00 $1,250.00
1/14/2005 $410.00 $328.00


Total of Fees or Charges ===> $597,944.79
Total MEGA Paid ===> $61,592
Percent MEGA Paid ===> 10.30%
Total MEGA Shortfall ===> $536,352.82

Is this "Catastrophic Insurance"? Yea, I would say so, in the sense that this policyholder had an "Insurance Catastrophy"

Our pre-65 insurance administrator was Blue Chioce, and the Blues pay 110% to 120% of what Medicare pays. UHC is the plan administrator for our Medicare suppliment insurance but they only pay the 20% that Medicare does not pay.

A benefit of $1000/day is a joke. My wife was in the hospital (pre-65) four days for a simple abdominal surgery, and the gross cost was MORE THAN $10,000 a day. BC paid about $6250/day. Oh yea, we paid $150 for that entire stay.
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#22 UPDATE Employee

Response to Response

AUTHOR: Lee - (U.S.A.)

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?
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?
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#23 Author of original report

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AUTHOR: Unsure - (U.S.A.)

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? What are you so upset about? You think I am attacking MEGA - NO I started the blog with my concerns as an agent.

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. When their rates go up, I'll be there to help them out as well.

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 my clients who had concerns after reading all the rip off reports


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.
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#24 Author of original report

Hi Lee

AUTHOR: Unsure - (U.S.A.)

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.
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#25 Author of original report

Hi Lee

AUTHOR: Unsure - (U.S.A.)

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.
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#26 Author of original report

Hi Lee

AUTHOR: Unsure - (U.S.A.)

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.
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#27 Author of original report

Hi Lee

AUTHOR: Unsure - (U.S.A.)

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.
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#28 UPDATE Employee

The Facts

AUTHOR: Lee - (U.S.A.)

It is easy to keep in touch with clients these days as many agents at the company are using the IDA Assistant Program which does all of the work.

Mega does not offer major medical coverage (true), and yes the best they offer is really catastrophic. What is your point? They have never said they offer major medical. I have never been told to say that they do. In fact, on the TTAC test, there is a specific True / False question that asks that. The policies are geared for catastrophic situations, and people save money. Put the money in a savings account and press on. Spend it on a new car, then it is not Mega's fault.

My wife has a BC plan and her plan says "limited" in it also. It specifically states that she is responsible for anything above their "allowed" cost, and we get bills from doctors offices every time she goes. That is how it is.

The HSA plans offered in the states nearby are similar in price and in some cases cheaper than competitors. With ancillary products they get quite good. Once again, I posted this in response to another thing you have that you are committing insurance fraud by selling both Mega and other products.

I have done my homework, and I can guarantee I have been around longer than you have. Your "conclusions" are actually minor and primarily have to do with paperwork issues. It is also from several years ago. Every insurance company has issues with state agencies from time to time.

Mega does not have a "dark past" and (by the way) does not now and has never sold the "Cover America" plan. That is a Midwest plan. This shows how new you are. Mega sold a plan called "Healthchoice", which is not even offered in New England (I don't know of it being offered anywhere), and was similar but had higher benefits and hence cost a little more. It was a "better than nothing" policy and clearly showed the limits for hospitilization, room and board, etc. in it. As an example, people could pick if they wanted $300/day room and board cvg up to $1,000/day, but they were responsible for anything beyond. At the same time, the Signature Plan was offered, which did not have those limits. People pick based on what they want to pay. think it stinks? Maybe. But why don't you take a look at your car insurance policy before you comment. You have the same types of choices for limitations there also. If someone buys cheap, they get cheap. I have seen only ONE policy that a customer had that pays EVERYTHING. It was a BC policy and the family paid $2,700/mo for it. Yes, that is $2,700/mo. Guess what? They switched to Mega 2 years ago and are very happy.

If you can sell all these great plans for so cheap, and they are sooooo much better, then why don't you quit Mega? I think you like to whine instead of work. I am not trying to be rude, I am being factual.

I spent 2 hours going through this site this morning and made a list of EVERY post, and EVERY person that has responded to posts. Guess who has more posts than anyone....you!


Here is the run down. Since 2005 (that is 3 years), there are only 14 posts on this site for "Mega Health". Of those, 11 were initiated by customers and 3 were initiated by ex-employees. of the 11 by customers, one was actually a question about coverage not a gripe. That leaves 10. Of the remaining 10, the majority are idiotic or unfounded, and 2 were big claim issues.


Of the responses, as of this morning, I count:

# of Negative Customer Complaints & Responses = 12
# of Positive Customer Responses = 5

# of Ex-Employees w/ Negative Complaints & Responses = 11
# of Ex-Employees w/ positive responses = 1

# of Current Employees w/ negative Complaints & Responses = 0
# of Current Employees w/ positive responses = 6

# of People who are not either customers or employees with Negative posts = 3
# of People who are not either customers or employees with positive or neutral posts = 3

You have the most posts with 14 that I can count as of now, but I bet there are more in other places...far more than anyone else.

Fact is (Unsure), that you are a current employee who waffles and believes everything they read. If you do a search on google, you will find that Elvis is alive and there is a face on Mars. If you do a search on Google or this site you will find that there are complaints against mega. But you will also find complaints on every company.

But what you and the other idiots on this site don't see is that there are 1.6 million people insured by Mega. There are really only a few actual complaints on this site. This site just happens to be a haven for 11 ex-employees who have a beef.

Wait a minute, is that right? Yes. Count them up yourself. You do your "Homework". There are only ELEVEN ex-employees griping on this site as of today in THREE YEARS (and this includes you). Out of how many thousands????? The company itself has over 1,000. There are over 2,000 Mega agents currently today. There are over 1,000 Midwest agents. The company is almost 30 years old.

There is your homework. Now quit the company and leave the selling to people that sell quality products and enjoy their jobs.

P.S. - You don't personally know the guy in AZ do you? And you plan on taking financial advice from him? You spend way too much time on this site.
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#29 Author of original report

Ok

AUTHOR: Unsure - (U.S.A.)

Ok. Mega and Midwest do NOT sell policies, it is the agents that represent the company. Yep, good agents and bad agents at all companies.

I find it shocking that you really contact your clients (all of them) every three months. I sincerely give you credit. It boggles my mind on how you find the time to call all of them. Most successful agents do not and never will because they are focused on the next Friday "turn in" When all my focus is on the business, I find it very hard to follow up with all my clients. Most agents (almost all) never contact their clients unless their clients have called them with questions. This is mainstream with every major writter.

All of Mega's policies are labeled "limited" the best plan they have is a catastrophic policy. None of their plans are Major Medical. The HSA plans are very expensive - you said it yourself when you said it only cost a little bit "more" than the Care One PLUS. With every other company, HSA's are extremely cheep in cost. I can sell Care One Plus plan for 400 bucks a month or an HSA from a "different company" for 187 a month. That is SAVINGS. If you offer an HSA through MEGA it is a whole lot more expensive.

Do your homework on MEGA- Look at their 5 year Investigation Report. That was a very serious report with serious conclusions. They really do take a long time to pay claims. The report is over 100 pages - read it.

Mega has a dark past - look at the old plans "Cover America" and all the complaints. Some states still sell it! Again that is why the plans always try to get better at HomeComing- they are just trying to play catch up with the Health Insurance Industry.

Helping People means Helping people with the best options not giving them the best plan from one company with limitations. Yes all companies have limitations, but not nearly as much as ALL of MEGAS plans.

Oh yeah, the moment you have have a claim _- all of your clients will be frustrated when they get "SEVERAL" notices in the mail from every single test.


I am not wanting to pay back the company only because my conscience can not sell it. I can offer other clients much BETTER plans that are much cheaper. Its when you can work for all the companies and look at your client and then say this plan looks like the most affordable with the same coverage. With Mega plans you have to add onto the policies to make them Health Insurance Standard - then add up the price

When I get that letter in the mail to pay back the company - the guy from Arizona has told me to respond back saying not to pay them back- I will do that
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#30 UPDATE Employee

buzzzzzzz - WRONG

AUTHOR: Lee - (U.S.A.)

Unsure - you are incorrect.

I call all of my customers every 3-4 months. Guess what? The vast majority are happy with their plans. I also email them periodically to see how they are doing, and guess what? The vast majority are happy with their plans. Of course there are people who have issues, and there are people who cancel. But they are usually benign things like they got a new job with coverage. Any issues that there are I handle, and they are fine with it.

To my knowlege (and please correct me if I am wrong) MEGA Life and Health and Midwest National of Tennessee have NEVER sold a policy (except for student insurance I think which is separate). The agent sells the policy. It is the agent that sits down with someone and explains coverage.

An agent can sell policies that have good coverage. Some people flat out cannot afford an HMO at $2000 per month (yes in MA they can cost that much). Some people cannot afford $1000/mo. They just want something to cover them to some extent for certain situations. Some people want catastrophic only, which is fine as long as they remember or know that is what they bought. Some people want the CareOne Plus (which I have sold allot of and works great) as long as they don't go to the doctor allot to eat up the preventative rider.

If you had people that were upset, then they should be upset with you. Not Mega. You were responsible for explaining to them that there may be limitations, but if you take the difference of what you would have been paying and put it in a savings account, it can be a huge difference over a period of time. However, if someone has a lot of issues, it is up to you as the agent to let them know they may be better off on the plan they have or something else.

I sleep well at night. I have a good income. I have very few complaints. I do not sell CareOne Value.

Oh and the HSA? I sell lots of those. They are not that expensive. They just cost more than the Care One Plus so you obviously did not want to show it because you were afraid of not getting a deal.

And as far as limited plans go? All insurance companies have a limit. ALL of them. Don't believe me? Have your doctor send a bill to Blue Cross or whoever for $10 trillion and see if it is paid.

Funny how you say Mega plans get better, but the HMO plans are getting worse...more deductibles, more limits. All in order to save the consumer more money. Sounds like older Mega plans doesn't it?
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#31 Author of original report

Response to PS

AUTHOR: Unsure - (U.S.A.)

Lee, I have heard all the stuff you have said. In fact, I used to say it myself. The problem has nothing to do with work ethic. I had calculated that if I were to stick around my residual income would have been about 10K if I were to stick it out.

The problem is the company!!! That is why I left. Do me a favor and call all the people you sold two years ago. They are not on your books anymore and you most likely would never contact them again. You think they are happy?? No, they are not.

I was honest with a lot of my clients and sold them CARE ONE PLUS - ooooh, I explain that benefit rider inside out - but guess what? They still forget the moment they have to see a specialist within the year.

Hey - if your a good sales man - you never leave a house without a check in your hand - So you give them a lower end policy that sucks - CARE ONE VALUE. Why? because it is affordable and it is something - well I could of sold them a major medical plan with another company for a whole lot less with a whole lot more coverage.

Oh yeah - ALLLLLLLLL of Mega policies are LIMITED plans - except the HSA plan which is so expensive that you would not sell it. Look at the Better Business Burea to verify that.

Keep selling those Mega plans. Oh yeah - make sure you add on ancillaries to cover all the huge holes those policies have.

Bottom Line - I was positioned to do well with the company - but the plans are just trying to catch up to all the standard health insurance plans. Thats why when you go to Homecoming the plans keep getting better.
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#32 UPDATE EX-employee responds

That is incorrect

AUTHOR: Will - (U.S.A.)

Most offices in the country do not supply agents with an unlimited number of free leads as that would be impossible. Agents who actually make it invest in themselves after they have learned the products offered. The do postcards, internet leads, walk and talks, etc. When I sold, I bought all of my own leads.

Do the math, if there are 5,000 agents between Mega and MW, for each of them to average 500k AV, based on a 3500 AV average deal, and the average internet cost of $10, and average sales ratio of 1 in 10, then they would have to spend $71 MILLION per year.

If you were promised the world when you were recruited, so be it and sorry to hear it. However, that as a general rule happens with pretty much every company and is not the general procedures of 99% of the District Managers in the country. And certainly that does not (as none of the post does) constitute a "ripoff".

Good luck finding a job where no manager ever fibs to you. Let me know when you find it.
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#33 UPDATE EX-employee responds

PSS

AUTHOR: Juztryin - (U.S.A.)

Lee - I understand the district dues for having the offices etc, however the office the division has is a old run down office that is extremely cheap rent (utilities included) but when you have the 2 DM paying for the cost of everything and then some I see that as a problem

2nd - Me leaving had nothing to do with not being able to "hack it" or whatever it had to do with the fact my division wasnt taking money to invest in leads and myself and the rest of the office were getting old leads which just rotated thru the office. Many of the leads were 60days - 12months old. I'm sure that your office and others thru out the country do things the right way but with the way things were handled in this office the only way to be successful you need to pay for your own leads and many of the people hired don't have that additional money to do so. This is probably the biggest reason people don't last.....You get this great sales presentation that you are going to get all these fresh hot A leads but they are really just old recycled leads.

So in my previous situtation it wasn't the company it was the Division. Next time if you throw in your 2 cents at least be respectful "duhhhhh"
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#34 UPDATE Employee

P.S.

AUTHOR: Lee - (U.S.A.)

Also, 2 things:

Unsure - The company allows you to try to sign up someone that is "questionable" on their health risk. You have to let underwriting know that you do not want to take an advance and it is not supposed to hit your taken rate.


Costs for being a DM - It is my understanding that those "monthly fees" you are griping about pay for office packages. At least where I am the money pays for an office, electricity, some leads, an annual auction, running water, phones. When I was in business for myself a few years back I had the same sort of expenses. You are a 1099 employee....duhhhhhh
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#35 UPDATE Employee

Different Strokes fo Different Folks

AUTHOR: Lee - (U.S.A.)

Too bad you guys are unable to hack it and stick with it. It is the same as at any company. You work hard and you will be fine.

The agents who do not like Mega products are the ones that were selling limited crapp plans to make a buck really quick (you know who you are). You could sell better policies for more money, but oh well.

Odd that my account is paid off and makes money. If I left today, I would be set for a couple years.

Remember, the company itself has never sold a bad policy. It is an agent that sells a policy. If you knowingly sold a policy with little or no coverage, that is your own fault.
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#36 UPDATE EX-employee responds

Ok That is helpful

AUTHOR: Unsure - (U.S.A.)

Hi,

Thank you for your time. Did you write in response to the letter you received communicating that you were not going to pay them back, or did you call them up and tell them (verbally) you were not going to pay them back?

The only thing is that I heard from ex-employees is that they really come after you 6 months later. Then at the end of the year you get a BIG 1099- from income that you never saw. When that 1099 comes, your lawyer said to contact the IRS and tell them that there was a mistake?

Any how, your feedback can help a lot of people. Perhaps they do not owe as much as I do, but I have seen a lot of posts.


For all agents who might read this- I hope this is an example of just how hard it is to get out of this company that you "paid" to sign up for...
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#37 UPDATE EX-employee responds

Answer to your question

AUTHOR: Juztryin - (U.S.A.)

There wasnt a attachment. I just copied what the lawyer had responded with. There was a name so I removed it and just entered 'Name' in its place. First off I would tell them that you are not going to pay. If you still have policies in effect they are still earning money off of them in which they would have paid you later on, plus bonuses. I'm not paying a dime.
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#38 UPDATE EX-employee responds

Answer to your question

AUTHOR: Juztryin - (U.S.A.)

There wasnt a attachment. I just copied what the lawyer had responded with. There was a name so I removed it and just entered 'Name' in its place. First off I would tell them that you are not going to pay. If you still have policies in effect they are still earning money off of them in which they would have paid you later on, plus bonuses. I'm not paying a dime.
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#39 Author of original report

A little unclear

AUTHOR: Unsure - (U.S.A.)

Hi,

Im sorry, I am a little unclear with what the 'Name' means? It looks like you tried to send an attachment perhaps as well. Are you telling me to go ahead and quit and NOT worry about paying Mega back? Are you telling me that if I just ignore the letter they will just leave me alone - or should I respond to them and state I will not pay them back????


Please respond back, so I can leave. I can not sell this stuff anymore and therefore have hardly no production.
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#40 UPDATE EX-employee responds

Payback commissions you worked hard to get.....joke

AUTHOR: Juztryin - (U.S.A.)

So I worked for the company for 6 months and in that short time I progressed to a District Manager. That would have been great but you have to pay district dues which is like $1400 a month (rip off). This to me is just stupid, how can you get a promotion and have to pay to be in that position???? So after much thought I decided that I needed to move on to a broker (best choice ever!!!!) I can sell everything so its a one stop shop.

Just to give some insight I spoke with the Division and told him I have decided to part with the company....WOW talk about unprofessional. Throwing out threats and comments about how I am throwing away the greatest oppt of a life. The biggest thing is paying back your money. Its funny because you spent the time to meet with the clients, spent money on gas and more then likely spent money on leads (that was the only reason I was successful) Well after digging a little deeper on the issue I contacted a lawyer and asked if they can collect on the money, here is the response:

Okay, I got the right attachment this time.
What can Cornerstone do? It can't sue because it's not a corporation. Mid-West or Health Markerts would have to sue.
Would Mid-West, HM sue? Not likely. I've never seen it happen. If it did, I would come to "Name" rescue. If it did, in the lawsuit it would have to reveal the dark secrets about how retention is determined, how commissions are determined, and who gets the money these poor former agents feel pressured to pay. No way they would open themselves up to that kind of audit!

If Mid-West/ Health Markets/Cornerstone sends a 1099 for some amount it never paid, I would tell "Name" to complain to the IRS that the company has made an incorrect report. More to come.

So hopefully this helps.
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#41 Author of original report

Inching my way out

AUTHOR: Unsure - (U.S.A.)

Thank you everybody for all your feedback,

I am still trying to get out of this company. I really liked what the former person wrote before this that I can actually keep my clients- with MEGA I can not.

Yet, I am still torn...


Another reason why I want out of the compnay is because of the whole recruiting gig.


I have recently stepped down as a DSL. I have gotten to the point where I just feel horrible when someone comes into the doors for a "false interview" that I scheduled. And I give them the same story on why I believe they are the right kinda person we are looking for to join the team BLAH BLAH BLAH. I have talked to other managers about this and it is the same story - hey its just a numbers game. The Divisional has a quota that must be met weekly- that is why a lot of the time they hire "whoever" ----after we tell them how awesome they are. After they sign up, I have seen the Divisional say things such as, wow cant believe he or she signed up, knowing that they will quit. I also see that the moment someone wants to sign up, what happens if they dont have a check.

People actually believe they are getting hired. Its not clear when they sign up. We try to make the prospect believe that they are so special that we are offering them a joh even though WE NEVER NEVER NEVER looked at their reume except to get their phone number. When I recruited over the phone for people to come into the group presentation hidden with the term "interview", I NEVER EVER EVER EVER EVER said, by the way Mr. ___________, please make sure you bring your check book because if you want the posisition you must pay some fees.



Ah, feels good to not being a recruiter anymore, but I am still obligated in staying with MEGA because I still owe them so much money - my back end needs to pay off my debt before I leave. If anyone knows a way out so I dont owe all this money - please write.... it really does help.
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#42 UPDATE EX-employee responds

Not true about flipping clients as a broker.

AUTHOR: Stop "drinking The Koolaid" - (U.S.A.)

I used to work for Mega and had lots of friends on the inside. Now I am a broker and just to tell you...It is not in the broker's best interest to flip a client because we are not advanced on the commission. THEREFORE, WE ARE NEVER IN DEBT! It is in the client's best interest and mine to switch them when their policy year is up or when the policy has a large rate increase. I WILL ALWAYS KEEP MY CLIENTS BECAUSE I CAN SWITCH THEM! You can't switch your clients unless you want to give them united american, which is worse than Mega's crappy limited plan.

I like how Mega is coming out with a calendar year plan...what they forgot to tell you is that it still is a per illness, per accident, per injury deductible and it still has three deductible's per plan year. That sucks!! I only sell pure one time calendar year deductible plans. And I can write someone with Lupus, Diabetes, and cancer. Also most plans I sell have unlimited prescription drug card or atleast a $5000 drug coverage. Mega will only pay up to $1500 a year....that is not insurance!
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#43 UPDATE EX-employee responds

Stop drinking the Koolaid--GET OUT NOW!

AUTHOR: Stop "drinking The Koolaid" - (U.S.A.)

Well I left a awhile back and I do owe money but not that much! Ouch! Being a broker is great because you can write almost anyone with almost any disease. Of course, they will rate the client up. Anyway, most companies do not advance, so you will have to get used to straight up commissions. Which is great because you are building a true residual income. I can take off a month and not have to worry about the bills. Also I can write people over the phone, I can send pdf's of the plans too! Yes that is right, you can work from home in your pj's if you want because everything you do is online with every great insurance company in the market place.

Call any insurance company and get yourself appointed directly with the company, do not go through anyone like you did at Mega. Most of the companies have online training and the products are awesome. I would get one or two appoints while I still worked at Mega and used the leads they give you to sell. Try it! No one will know unless you tell them! If they ask, just lie, they did it to you to get you to sell the product!
I bet I know who your divisional manager is or was??
Good luck!
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#44 UPDATE EX-employee responds

GET OUT NOW!

AUTHOR: Glad I Am Gone - (U.S.A.)

GET OUT OF MEGA/CORNERSTONE AS SOON AS YOU CAN!

There are better companies with better products with better prices available! They love getting Mega agents because they know it will be easy to convert those customers! So True!

And you won't be in debt to a company for doing the hard part of the job!
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#45 UPDATE Employee

Not True Derrick

AUTHOR: Lee - (U.S.A.)

The company has multiple plans. Some are cheap and some are expensive. If your friend wanted cheap, then that is what she gets...cheap coverage = low coverage. Just like your car. If someone buys a liability only policy on their car and then they cause an accident, do you think that they do not file complaints and say that "Oh...it is my agent's fault!"...of course they do. You get what you pay for. Get a good policy with the company with 100% coinsurance. A little more money but worth it. I also know someone who had a big name insurance company Policy and had breast cancer and had Chemotherapy. The bill by the way was $78k, not hundreds of thousands. That company paid $78 of the bill because chemo was not considered an approved course of treatment.

I sleep fine at night, because I am honest at it. Show me an insurance company that does not have a legal department because they have no issues with compaints, and I will Sign up with them right away!
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#46 Consumer Suggestion

Mega

AUTHOR: Derrick - (U.S.A.)

I wouldn't care if I could make a million dollars offering Mega. The plan is horrible and I wouldn't trust them to insure my pet, let alone my wife and children.

I have a good friend that was just diagnosed with breast cancer and when she called to verify benefits, she was informed that the good news is that she had the rider to cover cancer...the bad news, it only covers up to a maximum of $1000 per day and is a 70/30 plan. She is facing tens upon hundreds of thousands of dollars in treatments and the providers make her feel embarrassed to even show her card. All of this at a time when she is facing the emotional battle of a life threatening illness.

She made the mistake of trusting a Mega agent. I hope those commissions are as good as you say...it wouldn't buy me a clear conscience, though...

If you have purchased a Mega health plan, I sure hope that you went out to the front yard to wave goodbye to the agent as he left your driveway because it is the last time you will ever see him...
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#47 Consumer Suggestion

Mega

AUTHOR: Derrick - (U.S.A.)

I wouldn't care if I could make a million dollars offering Mega. The plan is horrible and I wouldn't trust them to insure my pet, let alone my wife and children.

I have a good friend that was just diagnosed with breast cancer and when she called to verify benefits, she was informed that the good news is that she had the rider to cover cancer...the bad news, it only covers up to a maximum of $1000 per day and is a 70/30 plan. She is facing tens upon hundreds of thousands of dollars in treatments and the providers make her feel embarrassed to even show her card. All of this at a time when she is facing the emotional battle of a life threatening illness.

She made the mistake of trusting a Mega agent. I hope those commissions are as good as you say...it wouldn't buy me a clear conscience, though...

If you have purchased a Mega health plan, I sure hope that you went out to the front yard to wave goodbye to the agent as he left your driveway because it is the last time you will ever see him...
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#48 Consumer Suggestion

Mega

AUTHOR: Derrick - (U.S.A.)

I wouldn't care if I could make a million dollars offering Mega. The plan is horrible and I wouldn't trust them to insure my pet, let alone my wife and children.

I have a good friend that was just diagnosed with breast cancer and when she called to verify benefits, she was informed that the good news is that she had the rider to cover cancer...the bad news, it only covers up to a maximum of $1000 per day and is a 70/30 plan. She is facing tens upon hundreds of thousands of dollars in treatments and the providers make her feel embarrassed to even show her card. All of this at a time when she is facing the emotional battle of a life threatening illness.

She made the mistake of trusting a Mega agent. I hope those commissions are as good as you say...it wouldn't buy me a clear conscience, though...

If you have purchased a Mega health plan, I sure hope that you went out to the front yard to wave goodbye to the agent as he left your driveway because it is the last time you will ever see him...
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#49 Consumer Suggestion

Mega

AUTHOR: Derrick - (U.S.A.)

I wouldn't care if I could make a million dollars offering Mega. The plan is horrible and I wouldn't trust them to insure my pet, let alone my wife and children.

I have a good friend that was just diagnosed with breast cancer and when she called to verify benefits, she was informed that the good news is that she had the rider to cover cancer...the bad news, it only covers up to a maximum of $1000 per day and is a 70/30 plan. She is facing tens upon hundreds of thousands of dollars in treatments and the providers make her feel embarrassed to even show her card. All of this at a time when she is facing the emotional battle of a life threatening illness.

She made the mistake of trusting a Mega agent. I hope those commissions are as good as you say...it wouldn't buy me a clear conscience, though...

If you have purchased a Mega health plan, I sure hope that you went out to the front yard to wave goodbye to the agent as he left your driveway because it is the last time you will ever see him...
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#50 UPDATE Employee

I disagree

AUTHOR: Lee - (U.S.A.)

I completely disagree with you.

I started with Mega with ZERO sales experience, and I worked hard at it. At one point my account got up to around $40k that I owed, but I could see the backends coming in. Now, I have been with the company for several years and make well over $200k/yr. And that is net income.

Go ahead and call me a liar, but this is the God's honest truth.

Nobody told me to take advances in the beginning, and it was clear how the system worked. Do I like selling insurance? Not really. but I make 7 times the salary I had at my last job.

The grass is always greener on the other side of the fence. I have not found ONE person at another insurance company making the income I do. NOT A SINGLE ONE.

Additionally, the policies are what they are. If you can't get the policy in your state it is likely your state's problem, not MEGAs.

And the statement about captive agents? Not true. The reason why Mega has captive agents, is because the company focuses on catastophic policies and pays very nice commissions for it. there have been many instances where agents licensed with multiple companies first sign up someone with Mega and then switch them to an HMO for double commissions...which is unethical and illegal.

Stick with it.
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#51 Author of original report

Worked Hard for Mega and Now I owe 40K

AUTHOR: Unsure - (U.S.A.)

I owe Mega 40 k.

My residual income is wilting down to about 3 k a month.

If I leave some of the blogs I have read say they come after you. How do I prevent this??
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#52 Consumer Comment

Get out of this quicksand company immediately

AUTHOR: Jon - (U.S.A.)

My friend, I am an insurance agent who was in a similar situation 4 years ago. There are 2 insurance companies that only recruit and hire novice or inexperienced agents, train them well, and send them out to sell their garbage insurance. They are mega and United American insurance company. The only reason that a company requires you to be a captive agent (only able to sell their insurance) is because if you know what the other companies offer and their prices, you'd never sell Mega or United American. Anyway, what happens if you cut your ties with these companies is the policies that you currently have in force will continue to pay your debit balance(your loan balance).

Yes, your policies will probably get cancelled before your debit balance pays out, because insurance agents like me love hearing that a prospective client has Mega or United american(easiest policies in the world to replace, once the client understands that they truly don't have major medical or catastrophic coverage). Anyway, Mega will file a report with Vector saying that you owe them money. But don't worry, every agent that has ever sold a Mega policy has the same report. Their is a reason why Mega has 1) The highest complaint ratio of any insurance company in every state that they sell in. Verify this info through your state insurance department.

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