Martin and Associates Martin and Associates, LLC I had the same experience as the other complainant with the same rep, Kristen, from the same company Martin and Associates. She mis respresented the product to me, told me it was a 70/30 insuarnce pla Kansas City, Missouri

Martin and Associates presented me with a high risk policy for my husband who has diabetes. When I inquired with Martin and Associates I asked them only to contact me if they had a major medical plan option. Kristen from Martin and Associates contacted me and told me she had a plan (NBLA 500) that was not classified as Major Medical but that it operated the same way as one. When I received the packet after signing up through Martin and Associates, it was the exact opposite of what we were looking for. When I called her to cancel (as she told me I could do if we found we did not like the policy), she told me that the policy IS a 70/30 plan with ADDITIONAL limited benefits that kick in after the 70% benefit, making it almost 100%. I contacted NBLA to verify what Kristen the agent had told me and NBLA said this was in no way a 70/30 plan and that it does not operate like one.  I called Kristen, told her I wanted my money back. She told me it could take up to 30 days. I filed a complaint with the BBB (they have several made against them) and they told the BBB that I have to send a written request for a refund in writing to NBLA.  That was never told to me when I signed up.   It is a shame that when consumers rely on companies to provide credible quality information about something as important as healthcare, there are companies out there that intentionally mislead you. When I did the homework on this policy, it was pretty scary.  I requested this information before I purchased it but she told me that was not necessary because I could cancel anytime and that she wanted to be sure I pay now, as to get coverage by the next enrollment date.   Be careful if you get a call from this company about the NBLA 500 plan.