Association For Lifestyle Reform - Premier Health Care ALR, Americans for affordable Healthcare, Inc. Insurance Scam says they have affordable insurance but when you go to the doctor surprise they are not insurance at all. Myrtle Beach, South Carolina

I was contacted by this company by fax and being the only employee with my company I needed insurance. I talked to the sales guy on the phone and he told me that they could get me covered for a one time fee of $125.00 and then $199.00 a month.

I agreed to the charges but did not get any paper work in the mail as promised the first charge hit my account and I called to find out what was the hold up as I needed to go to the doctor. They said they would resend the paperwork.

When I got the paperwork The top shows Insured's Name: Effective date, member id plan:... All the things you would expect of an insurance company. I got a card that says coverage medical mail claims to :Spencer & Associates, One S. Limeston St Suit 301, Springfield, OH 45502. The address was different but I did not worry. I paid for this "insurance" for three months before I got to the doctor.

When I finally went to the doctor I was told that this was a scam that this was not insurance and he would not see me unless I had cash in advance.

I did receive during month two a paper for me to sign to allow them to draft charges from my account. I did not sign this nor did I mail it back but it did not stop them from taking the charges from my account.

The day I went to the doctor I called to cancel my coverage and request a refund. They charged me an additional $199 that day several days before it normally would hit my account so I had several bounced checks because of it. I have gotten a refund of that last $199 but feel that the remaining $722 should also have been refunded to me due to the fact they sold me insurance and now they say that they are not an insurance company.

When I called to cancel they sent me a letter stating that they are not an insurance company but a discount company but that is not what I was paying for. Then the lady that I spoke to at 877-378-9237 wanted to know the phone number and the name of the person I spoke to at the enrollement center three months after the fact. Do they not keep that information? I know I did not have it. She said that she could not help me because I did not have that information.