Mid-West National Life Insurance Of Tennessee, Cornerstone America, HealthMarkets Mid-West National Promisses Lies! Total RIPOFF AND WASTE OF TIME Dallas Texas Oklahoma City Oklahoma Tennessee

This is not Group Coverage. Proof that employees for this company haven't a clue what they're doing. Group Coverage is guaranteed, so no matter what your health, you get coverage.
For getting a refund, you have only 10 days from your date of acceptance to get that refund. Once the husband was accepted, they had only 10 days to cancel. It's in the contract.

Robert, a group association plan is NOT a group insurance plan and to make any statement intended to mislead the public, such as the one you made is not only dishonest but illegal. You are either lacking in the intelligence needed to understand the difference or are a snake oil salesman misleading the consumer portraying yourself as a supposed ex-employee when you in fact still work for these con artists. People like you are the reason this company loses credibility every day.

For starters, you need the membership in the association to obtain the insurance because it is the chosen vehicle used to market their products. It is nothing more than a scheme to help the associations take advantage of the public looking for insurance to sell something most people would never waste money on and the agents who sell their memberships profit off the bonuses they get from the association sales.

No one would want their insurance product without all the 'extras' offered by the association, at least not after finding out how inadequate it is. The best way to describe their relationship is that they are both so hideous that noone would want either of them so they got into bed together.

The drafts for the membership goes to one company and the draft for insurance goes to the insurance company. Though you need the membership to get their insurance, there is no requiremet to keep it after a policy has been issued...and frankly, not many people will miss spending $480 per year to get discounted office products and turbotax, etc.... Secondly, group insurance is issued through an EMPLOYER and can't be purchased on the individual market PERIOD. Thirdly, NO ONE can be turned down for group insurance....if the above mentioned consumer was applying for group insurance, he and his wife never would have had anything to post in this forum.

Check your facts, wise up and quit misleading the public. Us ex employees are growing very tired of having to expose the lies told by you charlatans in order to protect the public from a very unfortunate outcome if they were to fall for your deceptive schems to profit off them.

you are exactly right about the issue and I thank you for your comment!

Most states have very stringent policies about application approval/denial times. If three months elapsed before you could determine if your wife was declined, somehow your policyfell through the cracks. Secondly, the reason you paid a fee was to join a group, the Alliance for Affordable Services, and as such the insurance for which you applied and were approved was a group plan -- a group association plan.

Secondly, since these are custiomazible plans, the fault lies with your agent as much as you would like to ignore it. These plans -- Cover America Plus and Personal Choice -- can be customized to be halfway decent plans (no more) or really, quite unfortunately very poorly constructed.

What you are complaining about is your own personal inability to expedite your doctor's response, your agent's inability to extend your policy's effective date so that you would not have incurred the charges.

Here's what I would have done in your case as your agent: 1) have you force your doctor to expedite the fax to Midwest; 2) push your policy's effective out to the farthest limit so that you have incurred no charges, and 3)written you a fully loaded policy. A policy at the level you had would provide no coverage at all.

But most importantly, knowing what I know now, I would not have written you a policy with MWN. Their policies are -- even at the very highest level -- not major medical and will not serve the needs of anyone who has anything major happen to them.