• Report: #820500

Complaint Review: Health Option One

Thank You

Read how Ripoff Report saves consumers millions.

  • Submitted: Tue, January 10, 2012
  • Updated: Mon, March 26, 2012

  • Reported By: Carol — Albuquerque New Mexico United States of America
Health Option One
160 Eileen Way Syosset, New York United States of America

Health Option One United Health Options Sold as medical insurance when in reality it is a discount medical program. Syosset, New York

*UPDATE Employee: Many false assumptions

*Consumer Comment: Health Option One

*UPDATE Employee: The verification recording is quite clear

*Author of original report: Rebuttal to SEO

*UPDATE Employee: All clients are informed many times that...

What's this?
What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

SEO Reputation Management at its best!

I was shopping for individual health insurance.  I went on line and sent information for quotes for individual health insurance.  Brian Jenkins from United Health Options called me and we discussed my needs and what I was looking for and the amount of money I could spend on individual health insuran ce since I am on a fixed income.  He gave me the information I was looking for, never telling me that this program was a discount medical plan.  He talked very fast, although did answer my questions. 

I was sent to a Louis who is the verification person.  He talked exttremely fast and again I had to stop him on several occassions to ask him to repeat what he had said.  They hit all the high points, but NEVER explained that this was a discount medical plan.  When I received the material on this program six days later at the very bottom of their brochure was a discalimer that this is not health insurance.  That is what I asked for from Brian when I first talked to him and he assured me that was what I was getting.

I was told that I had a 30 day look option and that if I wanted to cancel and get my money back I would be able to do so.  I called the morning of the seventh day and first spoke to Margaret and told her I wanted to cancel, she sent me to Eddie who was pleasant and was surprised that I wasn't mad and then he transfered me to Tywana, a person with very broken english.  He was very hard to hear and after several moments I asked to speak to someone else since I couldnt' hear him. 

He obviously took off his headset and picked up the phone so I could then hear him.  I asked him to please cancel this program that it had been misrepresented and please cancel.  He asked me why and I explained that it had been represented as Medical Insurance when it was not.  He then indicated that I would be refunded $139.95.  I paid $239.90 up front.  When I asked him about the balance I was told that the application fee of $99.95 was not refundable and I had been told that and agreed on a taped conversation. 

That may very well be true, but no one can understand anything the verification person says to you because they speak so fast, which I am sure they are trained to do.  This is nothing more that a way to make $99.95 for every person that they write up.  By neglecting to inform people that this is a discount program and not major medical insurance they can make $99.95 all day long, because they can keep your application fee.

This report was posted on Ripoff Report on 01/10/2012 09:31 AM and is a permanent record located here: http://www.ripoffreport.com/r/Health-Option-One/Syosset-New-York-11791/Health-Option-One-United-Health-Options-Sold-as-medical-insurance-when-in-reality-it-is-a-820500. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

Click Here to read other Ripoff Reports on Health Option One

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
REBUTTALS & REPLIES:
1Author 4Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

Many false assumptions

AUTHOR: stu - (United States of America)

Many health plans such as AARP are offered through association memberships. This health plan is also an association membership plan, and just like AARP offers member benefits such as auto service discounts and travel savings. You would not say that AARP is a hoax because of that, would you? Your family doctor might very well be in one of the two national provider networks. Did you give him the names of these networks, or are you just assuming this? Had you given "Tammy" (you have not provided a phone number for her so we can't trace it to an affiliate) time to go through the plan and had gone to the recorded verification process you would have been twice informed the plan was not major medical insurance. It is easy to get caught up in joining a complaint before thoroughly investigating the facts.
Respond to this report!
What's this?

#2 Consumer Comment

Health Option One

AUTHOR: emg - (United States of America)

I received a phone call from Tammy regarding this "Health Insurance". She DID NOT tell me that this was a Medical Discount program, she made it clear that I was going to get Health Insurance for $240.55 per month w/a $99.95 enrollment one time fee. I told her I would call her back. I looked up this Health Insurance online and to my surprise they also offer Auto Care, etc. I thought to myself, what Health Insurance Plan offers car care?? So I googled this company and saw this website........very interesting reading I must say. She even looked up my family doctor and said, oh yes, he takes this plan! This I'm afraid is a hoax, NOT HEALTH INSURANCE!!! Shame on you people!
Respond to this report!
What's this?

#3 UPDATE Employee

The verification recording is quite clear

AUTHOR: stu - (United States of America)

All clients, including yourself, are clearly asked if they understand that the plan they are purchasing is not a major medical plan, but rather a limited medical benefit plan. Your response was affirmative. This plan has some "discount" benefits but also has many insurance benefits. If the plan is used properly within the provider networks it can provide significant medical savings. You apparently did not give the plan the chance to do so. If you had you would not have filed this report.
Respond to this report!
What's this?

#4 Author of original report

Rebuttal to SEO

AUTHOR: Gordon - (United States of America)

While you state that your representatives tell the consumer many times that this is a discount program the terminology that they use does not indicate that when they are talking to you. I'm sure they are trained that way.  Your verification people speak so fast that it is very hard to understand them. I had to ask them several times to repeat themselves because they just speak way to fast for anyone to be able to understand them.  I know these tactics and they are used by companies that have something that they don't want the consumer to understand.  So pardon me if I don't believe you when  you say that your representatives and verifiers tell the consumer many times.  THey use double speak so that it is impossible to know everything they are saying.  Quite the training program you use for them.   The only way I knew that is was a discount program was when I received the information in the mail and I cancelled that day.
Respond to this report!
What's this?

#5 UPDATE Employee

All clients are informed many times that...

AUTHOR: stu - (United States of America)

...this plan is NOT major medical insurance. It is a limited medical benefit plan and this is stated by the agents, the verifiers, the website, the welcome letter, the membership cards and the plan materials. If a client has declinable medical conditions and can't get qualify for or can't afford major medical insurance this plan is a good alternative. If it is used properly within the provider network it will save our clients money. This client apparently was not satisfied in some way and is using the supposed lack of disclosure as a reason to get a refund beyond that to which he is entitled.
Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Advertisers above have met our
strict standards for business conduct.



Ripoff Report Legal Directory