• Report: #625982

Complaint Review: HEALTH OPTION ONE

  • Submitted: Thu, July 22, 2010
  • Updated: Sat, October 16, 2010

  • Reported By: SHIRLEY — MANCHESTER New Hampshire United States of America
HEALTH OPTION ONE
Internet United States of America

HEALTH OPTION ONE I TALKED WITH A SHELDON AT EXT 203. HE GAVE ME HIS PHONE #AS 1-866-792-5976 HE TRIED TO FAST TALK ME INTO GIVING HIM MY CC# SO THEY COULD "GET ME APPROVED" WHILE WE TALKED. Internet

*Consumer Comment: I just dont get it,

*UPDATE Employee: Our side

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I was looking for Health Ins quotes for "preexisting" conditions. The minute I pushed enter on my computer my phone rang! It was someone (a woman) telling me that I was lucky...they had a company who was just now having an "group open enrollment" and she thought I qualified. She was going to transfer me to the agent who handled that company.  Then this guy came on & said his name was Sheldon. He seemed very confused as to what plan he was trying to get me to sign up with. I told him I was not going to sign up on anything today because I wanted to be able to "compare" a few options before I signed up.   Sheldon had me go to their website and I could compare them while "on the phone with him in case I had any questions". I did have questions but he seemed not very well informed about the answers. The part where it said they would pay me $250 a day while confined to a hospital was explained as "extra money for the company to use for my care". When in fact it was suppose to be money given to me to use as I needed while I was confined. 


Sheldon said the plan covered 2 ER visits a year after 30 days in the plan. No where did he say that it only applied to things AFTER a year and NO "preexisting" health issues. He kept wanting me to give him my credit card # so he could save me a space.



Sheldon told me that it included a $10,000 Life Insurance Policy for me incase something happened.  Again it only covered me AFTER a year and would not cover it IF it had anything to do with my "preexisting" issues.



the Plan he wanted to sell me was called the Elite plan and cost $189.90 a month with and additional $99.95 sign up fee.  Could he please have my cc# in order to get that started.  Everything just sounded too confused and I told him I had someone at my door. He gave me his phone number & ext 1-866-792-5976 *203. I had asked if he was sure it would cover where I live (NH) and he said yes.



When I went back to look further I found they were working for Beechstreet and none of my Dr's or clinic was or would be covered by their insurance!!!

This report was posted on Ripoff Report on 07/22/2010 05:11 PM and is a permanent record located here: http://www.ripoffreport.com/r/HEALTH-OPTION-ONE/internet/HEALTH-OPTION-ONE-I-TALKED-WITH-A-SHELDON-AT-EXT-203-HE-GAVE-ME-HIS-PHONE-AS-1-866-792-5-625982. 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 Consumer Comment

I just dont get it,

AUTHOR: Janet Williams - (United States of America)

I just cant understand how anyone could file a complaint on this company. I too was in a similair situation looking for health insurance for myself with pre existing conditions. I was so tired of hearing from every company that I was applying for that I was uninsurable. I put my information online looking for quotes and I was contacted by a large brokerage, I spoke to a man by the name of Keith who informed me once again that I was uninsurable but that there may be something that he could do for me. He went over the elite plus max plan with me witch was with Health Option One, he was verry up front and honest with me about how the coverage was structured. He never once misled me by "hiding" the fact that my pre existing medical conditions were not fully covered in the first year, In fact he was very up front and honest that I would have a 12 month waiting period on my heart disorder and my type 2 diabetes. (which I will say is alot better then some of the other companies like Humana who said they would cover me for $1000 per month and would NEVER cover my existing medical conditions.) he then informed me that I would still be able to have my doctor visits covered and my prescription medications covered in the first year as well. I was very happy with the customer service and I have now had this plan for a total of 7 months and I am very pleased with the amount of coverage I have and with how much money this plan has saved me. Im not sure why it is that you had a problem with Health Option one but I do know that this coverage is better then no coverage at all and that I have had absolutley no problem with this company since I have been insured with them in the last 7 months, I wish you the best of luck and hopefuly you have found health coverage with another company but your best bet would have been the Health Option One plan.
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#2 UPDATE Employee

Our side

AUTHOR: stu - (United States of America)

The representative, who was new and has since been terminated, admittedly made several errors in his explanation of the plan benefits. This plan is a legitimate limited medical indemnity benefit plan licensed in 37 states. Neither our agency, nor the plan administrators, "were working for Beech Street". Beech Street is a large medical provider network utilized by this and many other medical plans. Any clients asking about specific providers would be advised as to whether they participate or not. The fact that the plan has providers in New Hampshire does not ensure that every client's doctor or clinic participates, however some reimbursements are available for out-of-network doctor visits. The poster seems to be alarmed at having been quickly responded to and having been asked for her credit card number to get started, however a payment of the first month's premium and a one time enrollment fee must accompany the application.


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