• Report: #417676

Complaint Review: MAGA LIFE & HEALTH INSURANCE / INS. FOR THE SELF EMPLOYED

  • Submitted: Thu, January 29, 2009
  • Updated: Wed, February 04, 2009

  • Reported By:MAGALIFE Florida
MAGA LIFE & HEALTH INSURANCE / INS. FOR THE SELF EMPLOYED
Po Box 982009 North Richland Hills, Texas Canada

MAGA LIFE & HEALTH INSURANCE /A HealthMarkets Company INS. FOR THE SELF EMPLOYED Very Mess leading on Coverage / Deductibles / Information / Items not coverd. North Richland Hills Texas

*Consumer Suggestion: Reading the policy

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Four years ago I bought into a health Ins. company, called MAGA Life & Health Insurance Company. "AKA" (A HealthMarkets Company) There old name was NASE (National Association Of Self Employed) There affiliates are CARI MARK / EYE MED / FIRST HEALITH NETWORK The sales rep. sold me a policy, She did NOT sell or represent the Company. Just gave me a sales pitch and sold me a poor deal that will cost me over $30,000 to $50,000. She represented a $5,000 deductible in a major Med. policy , Only to find out the the $5,000 deductible does NOT cover Dr. visits or 2nd. opinions. I had a out patient for the samething the out patient deductible was $1000.00 this does NOT cover Dr. visits or 2nd opinions. The HOSP. & the DR. must be in the Ins. NETWORK (what a game) Then the INS. Co. only pays what it wants to then we are billed for the rest. I have over $30.000 worth of bills that the Ins. NOT coverd. STAY AWAY FROM THIS CO.

STAY AWAY
MAGALIFE, Florida
U.S.A.

This report was posted on Ripoff Report on 01/29/2009 10:13 AM and is a permanent record located here: http://www.ripoffreport.com/r/MAGA-LIFE-HEALTH-INSURANCE-INS-FOR-THE-SELF-EMPLOYED/North-Richland-Hills-Texas-76182/MAGA-LIFE-HEALTH-INSURANCE-A-HealthMarkets-Company-INS-FOR-THE-SELF-EMPLOYED-Very-Mess-417676. 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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#1 Consumer Suggestion

Reading the policy

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

Almost sounds like you did not read your policy or understand it. I do not work for Mega or Healthmarkets but have 4 years in the health insurance industry experience. I find that people are "to busy" to read their policies. It is a contract and you are entering into a contract. Make sure you understand what your getting. All health insurance (that i know of and sold) had networks, some more restrictive than others, and Doctor visits are covered in riders not a general right of having the insurance.

Looking at your complaint too looks like you got a discounted policy with minimal coverage. Cheapest is not always the best and you get what you pay for.

Note: I am a laid off insurance representative and I feel that the individual is responsible for not knowing what they are getting.
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