• Report: #716773

Complaint Review: Health option one

  • Submitted: Tue, April 12, 2011
  • Updated: Wed, April 20, 2011

  • Reported By: Don — Fairview Kentucky United States of America
Health option one
160Eileen Way Syosset, New York United States of America

Health option one IMy wife was told that this was a health Insurance we paid them 328.00 dollars to get started 1 month and s days later I was admitted to the hospital the hospital called to verify the Ins and I was ap Syosset, New York

*General Comment: this company is a ripoff

*UPDATE Employee: question is not from owner...

*REBUTTAL Owner of company: Heath Option One

*UPDATE Employee: Client was clearly told this was NOT insurance

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I signed up for health insurance paid them$328 first payment then a$129.00 a month for 5 months I was admitted to the hospital  the hospital called these people to verify I had  Ins.they approved me        When the bills started coming in they refused to pay any ammount they me They could get me a discount on the bills if I paid the Hospital in full I paid this Company $844.00 in all for nothing I feel like i have been done wrong This so called Insurance Co. and I use these words loosely is a RipOff

This report was posted on Ripoff Report on 04/12/2011 01:17 PM and is a permanent record located here: http://www.ripoffreport.com/r/Health-option-one/Syosset-New-York-11791/Health-option-one-IMy-wife-was-told-that-this-was-a-health-Insurance-we-paid-them-32800-716773. 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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REBUTTALS & REPLIES:
0Author 3Consumer 1Employee/Owner
Updates & Rebuttals

#1 General Comment

this company is a ripoff

AUTHOR: EnoughJerks - (USA)

Did a little research on this company. I hope your company gets shut down. Why in the world our government allows these kinds of jerks to operate is beyond me. In response to stu - deerfield beach (United States of America)

SUBMITTED: Wednesday, April 20, 2011
POSTED: Wednesday, April 20, 2011

...although this question is presented from an "owner" it is not.
Health Option One is licensed in 33 states as a limited medical benefit plan. It is particularly suited to those who either can't qualify medically for major medical insurance or can't afford it.
 

You my friend make no sense. Limited medical benefit plan. Basically the company is a ripoff from start to finish. You all make me sick. But you can't bite the underhanded , lying, false advertising company that pays your bills now can you? I hope someone will wake up and shut down all of these companies that do nothing but take money. 

(((ROR redacted)))

 These are just a few complaints against this scam company. Now why in the world would someone pay 600+ then 199 a month other than getting real health care? I hope this along with other companies will be investigated . Lets blow some more smoke up someones behind. This company takes advantage and its pretty straight forward how they lie.
 
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#2 UPDATE Employee

question is not from owner...

AUTHOR: stu - (United States of America)

...although this question is presented from an "owner" it is not. Health Option One is licensed in 33 states as a limited medical benefit plan. It is particularly suited to those who either can't qualify medically for major medical insurance or can't afford it.
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#3 REBUTTAL Owner of company

Heath Option One

AUTHOR: jean - (United States of America)

I signed up for heath insurance from heath option one ,they asked me for my checking account to pay for the first payment of 268.00 dallors, and 199 a mouth from my account on the 17th of each month .place let me know  if this company is a ripoff
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#4 UPDATE Employee

Client was clearly told this was NOT insurance

AUTHOR: stu - (United States of America)

All clients are forwarded by their agent to a verifier who records (with their knowledge and approval) answers to a specific list of questions regarding their understanding of the plan. One of the first questions is whether or not they understand and agree that the plan is NOT major medical health insurance but rather a limited benefit plan. Unless the client states their understanding and agreement the verifier does not continue processing the application. Any refusal to pay claims was likely due to a pre-existing condition diagnosed or treated in the 12 months immediately preceding the effective date. This waiting period was also clearly stated, and its understanding and agreement asked for, in the recorded verification.
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