Report: THE MEGA LIFE AND HEALTH INSURANCE COMPANY
Category: Insurance Companies
THE MEGA LIFE AND HEALTH INSURANCE COMPANY Health insurance plan is NOT what they claim North Richland Hills Texas
*Consumer Comment ..Mega Life and Health Insurance constantly increases their premiums
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THE MEGA LIFE AND HEALTH INSURANCE COMPANY
Fax:
North Richland Hills, Texas, 76182
U.S.A.
Submitted: 2/12/2005 2:49:29 PM
Modified: 11/24/2008 11:17:23 AM
Will
Aptos, CaliforniaI was a member of NASE aka Mega Life. I had an insurance policy before but I gave it up when NASE offered me a plan for the same amount. Since they represent self-employed persons alledgedly, they have extra benefits that I thought would be useful.
I think I paid somewhere in the area of $200 to $250 a month for a single person, age 35-40, non-smoker, and living in California.
At any rate, when I actually USED any service I always had to foot the vast majority of the bill! I'd get a lab test done that cost $90 and they would pay something like $12 of it. I'd have a doctor's visit for $125 and they'd pay something like $20 of it. It was ridiculous. A total waste of money.
It wasn't really an 'insurance' plan so much as a 'discount' plan. Nothing at all like any other plan I've been on. I would highly recommend you get a real schedule of service with real dollars for various types of tests that they will pay and compare it with the same from another carrier.
Aside from all this, it was presented to me as an association for self-employed which also just happened to provice a health plan. In reality NASE has very close ties to the insurer Mega Health and so they are just insurance salesmen, not looking out for the welfare of their customers as self-employed. Just abusing that perspective to sell insurance.
Will
Aptos, California
U.S.A.
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Updates & Rebuttals:
- I'm sorry you didn't understand what you were buying Joe [9/26/2005 11:55:50 AM]
- NASE and MEGA too-close for comfort Will [9/26/2005 12:48:24 PM]
- NASE and MEGA are good companies Jerry [11/7/2005 3:33:47 PM]
- Health Care In America Carlos [1/14/2006 7:56:49 AM]
- Sorry but yes it is a problem. Attorney General's don't seem to agree with you Will [1/14/2006 11:14:54 AM]
- The NASE agent's rebuttal is a load of crap (ex-ins agent) B. [1/25/2006 7:48:18 PM]
- Will and 'Anywhere Maryland' Mike [1/26/2006 3:12:07 PM]
- Actually Mike.... John [1/28/2006 6:38:45 AM]
- Look around you!! Dallas [3/8/2006 12:53:54 PM]
- MEGA + MID-WEST = U FILE BANKRUPTCY! TRUTH TOLD! ..this pathetic excuse for health insurance John [3/12/2006 12:13:37 AM]
- I'm a present agent with MEGA and believe this is the best health insurance in the country. Chris [3/12/2006 11:24:34 PM]
- What??? Four to one larger John [3/14/2006 9:16:33 AM]
- Mega Screw Up Blain [3/15/2006 4:06:57 PM]
- Blue Cross Blue Shield For Me Please Nichole [3/16/2006 11:08:03 AM]
- MID-WEST MEGA LIFE SCAM SCAM SCAM FRAUD FRAUD FRAUD John [3/19/2006 11:12:31 AM]
- hey john from miami beach John [3/29/2006 3:02:32 PM]
- NASE - does nothing for small business Duane [3/31/2006 10:57:43 AM]
- to john from miiami beach John [4/3/2006 8:20:03 AM]
- Ex Agent of Mega Life/NASE Mark [4/4/2006 7:06:49 PM]
- Shop and Compare Christopher [4/4/2006 10:05:17 PM]
- Hard advice to follow Will [4/4/2006 10:43:33 PM]
- Listen up everyone Brian [4/6/2006 3:05:04 AM]
- Top Mega Agents Rare Breed Pat [4/11/2006 11:49:13 PM]
- Balance billing Lance [4/12/2006 9:54:26 AM]
- Balanced billing Pat [4/12/2006 2:06:46 PM]
- Competition Bashing is Not Very Professional Laura [4/13/2006 7:48:02 PM]
- Are you kidding me? John [4/13/2006 8:06:15 PM]
- He's absolutely right. Leonard [4/14/2006 11:48:26 AM]
- Resonse to Laura John [4/15/2006 5:55:28 AM]
- I Did Some Research Laura [4/15/2006 9:55:09 AM]
- Not enough. Leonard [4/15/2006 12:37:29 PM]
- You are Right, I am Wrong...Does This Make You Happy Laura [4/15/2006 2:57:39 PM]
- NASE, UGA, UICI, Mid-West National, Healthmarkets & MEGA Life & Health Insurance Paul [5/3/2006 4:00:10 PM]
- Did someone say 20.00 dr office visits? John [5/24/2006 9:10:55 AM]
- Does this seem fair? Stephen [6/15/2006 2:36:11 PM]
- Stephen - you're a liar John [6/19/2006 1:07:44 PM]
- Laura. Did anyone tell you you might not be eligible for Health insurance. David [6/20/2006 10:30:04 PM]
- John- Des Moines. you are on fire. David [6/20/2006 10:41:35 PM]
- How to get the best health coverage and avoid ripoff Dawn [7/1/2006 11:50:05 AM]
- MEGA Lies, MEGA Deceives Amy [7/11/2006 9:07:04 PM]
- I TOO AM A RECENT VICTIM John [7/13/2006 8:39:03 AM]
- Very well thought out Amy Leonard [7/15/2006 1:09:09 PM]
- Thanks to those who contributed to this discussion, you saved me a crummy experience! Amber [7/19/2006 1:32:49 AM]
- again Chris [8/2/2006 2:07:48 PM]
- Ex Mega Life Policy Holder Debora [8/2/2006 4:47:19 PM]
- Chris - I worked with you a couple months ago....wake up bud Leonard [8/3/2006 1:35:37 PM]
- just read it! no one here is trying to bash a competitor...and no one here is 'jealous'... Dallas [8/3/2006 7:28:50 PM]
- Leonardo IS right. John [8/5/2006 12:29:19 PM]
- Thank God I Found This Site In Time Andy [8/8/2006 1:56:09 PM]
- Oh my word A [8/8/2006 3:53:51 PM]
- Leave while you can Kelly [8/10/2006 8:31:30 AM]
- Leave while you can Kelly [8/10/2006 9:04:35 AM]
- MEGA Agent Chris from Atlanta, How dare you call me lazy!!! Amy [8/12/2006 1:03:14 PM]
- Bravo, Amy, bravo A [8/14/2006 9:48:40 AM]
- NAIC info from State of MD A [8/14/2006 12:01:41 PM]
- Congratulation, A! Amy [8/14/2006 7:30:42 PM]
- Wonderful Information Freddy [8/16/2006 12:12:57 AM]
- Wise choice Freddy A [8/16/2006 7:46:35 AM]
- Waste of time and money L [8/18/2006 7:05:08 AM]
- Clean Break Laura [8/18/2006 10:23:19 AM]
- Don't stress about paying them back Amy [8/19/2006 11:40:47 AM]
- Just be careful with the debt, though A [8/21/2006 4:52:34 AM]
- Independent Agent Laura [8/22/2006 2:56:32 PM]
- An Agents Comments Jim [8/23/2006 8:37:54 PM]
- Dodged a bullet Art [8/24/2006 9:40:51 AM]
- Jim, Thanks for the head's up....MEGA still doesn't have annual deductible!!! Amy [8/24/2006 4:50:36 PM]
- Jim - you're wrong - - you're instrumental in leading people into possible bankruptcy John [8/27/2006 4:39:08 AM]
- Mega Life and Health 2006 (HealthMarkets) Pat [9/9/2006 9:16:29 PM]
- Really? John [9/10/2006 6:13:19 AM]
- Pat from Cabot your opinion rings hollow Will [9/10/2006 9:55:58 AM]
- No Fish Hook Here Pat [9/11/2006 10:57:15 PM]
- Somebody help me! Todd [9/12/2006 3:15:43 PM]
- PAT - YOU'RE RIGHT John [9/14/2006 5:49:39 AM]
- Todd, Cancel That Appointment!! Amy [9/14/2006 8:42:12 AM]
- Thank you Amy Todd [9/14/2006 3:26:34 PM]
- Back To The Past Pat [9/14/2006 8:21:25 PM]
- I lost track Pat.... John [9/15/2006 10:07:26 AM]
- Now, to the real stuff... Todd [9/15/2006 11:13:43 AM]
- just one more thing... Todd [9/15/2006 11:40:31 AM]
- UGA - A Salesperson's Dream.. Todd [9/19/2006 7:55:14 AM]
- commission structure John [9/19/2006 9:52:07 AM]
- A response from my former district mngr Todd [9/22/2006 6:56:53 AM]
- Unprofessional and Biased Blake [9/22/2006 11:14:11 AM]
- Reasonable charges explained Will [9/23/2006 10:06:16 AM]
- On the Contrary, Blake! Do you understand that YOU are a captive agent? Amy [9/23/2006 4:23:36 PM]
- Reasonable Charges?? Blake [9/23/2006 7:13:36 PM]
- You keep mentioning this $120 claim we paid $18 on... Blake [9/23/2006 7:23:40 PM]
- Mega pays what it says it will pay, nothing less, nothing more Marie [9/27/2006 2:08:05 AM]
- I was a potential Mega customer Ken [10/15/2006 8:16:27 PM]
- major medical sold by a non captive agent Dallas [10/19/2006 8:57:44 AM]
- Major Medical Out of Network? Pat [10/19/2006 10:33:22 PM]
- Pat - you still don't get it John [10/21/2006 5:43:10 AM]
- Pat, stop misinforming your clients... Amy [10/21/2006 7:31:44 PM]
- Interesting that...... John [10/22/2006 5:42:20 AM]
- Thank you, thank you John A [10/23/2006 2:25:30 PM]
- Step Up John Pat [10/23/2006 9:59:55 PM]
- You're kidding, right? John [10/24/2006 4:55:13 AM]
- Mega Agents in it For the Money? Ask John the $15,000 per Month Man Pat [10/25/2006 9:11:34 PM]
- GOOGLE MEGA LIFE + SCAM John [10/26/2006 11:47:03 AM]
- Do your homework M [10/27/2006 4:51:39 PM]
- Using so many names... Jeremy [10/30/2006 10:02:36 AM]
- California customer - first impressions Bob [10/31/2006 9:51:48 PM]
- Clearing the air Philip [11/10/2006 12:25:46 AM]
- Good Info, may have saved me Dan [11/11/2006 5:29:19 PM]
- WHAT SHOULD I DO? Roman [11/16/2006 1:28:24 PM]
- Careful Roman A [11/16/2006 8:11:07 PM]
- Call a independent broker... Amy [11/18/2006 10:04:02 AM]
- I SWITCHED Roman [11/22/2006 7:06:01 PM]
- Stop being ripped off Paul [12/26/2006 8:12:46 AM]
- Oh, by the way... A [1/9/2007 3:45:27 PM]
- Thats Security! Sam [1/9/2007 6:38:38 PM]
- Just signed up D [1/17/2007 2:12:54 PM]
- To D in Georgia Philip [1/20/2007 10:54:21 PM]
- Nice choice Georgia! Sam [1/24/2007 8:57:37 AM]
- Does anyone know anything about World Health Ins? Lee [1/31/2007 4:27:49 PM]
- new plans marketed by MEGA David [2/5/2007 11:40:46 AM]
- Walking away Bob [2/9/2007 6:41:33 AM]
- About Those NEW PLANS..... Brian [2/13/2007 4:26:10 PM]
- MEGA does NOT sell MAJOR MEDICAL!!! X [2/14/2007 3:45:04 AM]
- Mark Zayti R. [3/4/2007 9:35:05 AM]
- Generalizations = Ignorance Jeremy [3/5/2007 8:47:52 PM]
- Mark Zayti Trained My Managers!!! Amy [3/15/2007 5:52:50 AM]
- Bashing MEGA agents Joe [3/17/2007 8:57:53 AM]
- Former Agent who has a conscience Len [3/19/2007 9:42:24 AM]
- 'Mother's claim' from Blain - Fort Smith, Arkansas Thomas [3/19/2007 5:22:20 PM]
- JOHN WHO? DES MOINES IOWA } Vic [3/28/2007 5:27:01 AM]
- This is humorous, yet scary Jim [4/5/2007 9:41:17 AM]
- You're right! John [4/7/2007 4:28:48 AM]
- Hmmm... John you left out the Company you Broker for Heidi [4/9/2007 9:31:52 PM]
- Jim - Center Valley Joe [4/10/2007 6:16:38 AM]
- Heidi...... John [4/11/2007 7:53:42 AM]
- Thanks Robert [4/15/2007 10:10:25 PM]
- There are too many ex-agents complaining -there must be truth here Len [4/16/2007 9:42:09 AM]
- need advice Bob [4/20/2007 9:59:35 PM]
- 3 days of training and Stop with the pole signs Luke [4/27/2007 1:09:30 PM]
- Thanks Rip Off Report Ed [5/5/2007 10:52:10 AM]
- THANK YOU, THANK YOU Sarah [5/5/2007 6:37:24 PM]
- JOHN = Bxxx Shxx!!! Vic [5/9/2007 7:42:51 PM]
- MEGA LIFE WARNING FOR ALL POTENTIAL REPS John [5/13/2007 6:56:26 AM]
- how long to get my money back? Ed [5/14/2007 12:51:49 AM]
- Len in Scranton Joe [5/14/2007 8:26:52 AM]
- BEWARE OF THE PAY! John [5/16/2007 4:57:35 AM]
- This company is deceitful John [5/18/2007 3:08:56 PM]
- To John in Iowa Jim [5/19/2007 11:24:28 PM]
- Blackstone Group Acq UICI Press Release A [5/20/2007 4:13:09 AM]
- Jim -your issue. EX-AGENT CLASS ACTION SUIT Brian [5/27/2007 5:22:50 PM]
- Everyone take a chill pill. John [5/29/2007 11:46:20 AM]
- If Mega's so fantastic... John [5/30/2007 12:19:29 PM]
- The Vicious Cycle of Mega Agents.... Brian [5/30/2007 9:19:57 PM]
- Outrageous Mega/NASE premiums William [6/4/2007 6:49:57 PM]
- To John - Tulsa, OK Bob [6/17/2007 7:23:30 AM]
- Their new 'awsome care one plan' Robert [6/19/2007 10:52:01 PM]
- Advice? Jeremy [6/20/2007 1:41:42 PM]
- Jeremy ... get out as soon as you can! Joe [6/23/2007 5:48:33 PM]
- Almost..... Rob [6/28/2007 4:01:22 PM]
- Not even close! John [6/29/2007 6:03:38 AM]
- I agree with Marie 09/27/2006 02:08:05 am Benjamin [7/16/2007 2:43:52 PM]
- UGA Training Benjamin [7/16/2007 8:26:38 PM]
- please let the ink dry on your insurance license before you proceed to educate the masses about how health insurance works John [7/17/2007 4:14:08 AM]
- let the ink dry on your insurance license Benjamin [7/17/2007 11:35:35 AM]
- let the ink dry on your insurance license Benjamin [7/17/2007 5:00:16 PM]
- You can Contact Me..... Brian [7/18/2007 2:42:38 PM]
- Contact Benjamin [7/18/2007 8:51:37 PM]
- Brian, you're UGA's worst nightmare John [7/19/2007 4:38:48 AM]
- E&O Benjamin [7/19/2007 1:19:00 PM]
- What's the source? John [7/24/2007 5:38:34 AM]
- Get off the fence- Brian [7/31/2007 9:24:39 AM]
- garbage company Robert [8/7/2007 4:31:33 PM]
- Figure this out for myself... Benjess [8/7/2007 10:34:38 PM]
- Huh? Brian [8/9/2007 5:05:48 PM]
- Tell your brother... John [8/11/2007 4:23:03 AM]
- Return of Premium Benefit Jayne [8/14/2007 2:07:30 PM]
- Fluff.... Brian [8/14/2007 6:51:10 PM]
- ROP is a sales gimmick John [8/15/2007 5:30:41 AM]
- Return of Premium Jayne [8/15/2007 11:10:00 AM]
- Any Advice? Help Me [8/18/2007 1:14:16 PM]
- Paybacks for HelpMe A [8/19/2007 10:19:19 AM]
- would like independent agent advice D [8/20/2007 3:12:06 AM]
- ALL MEGA AGENTS ON YOUR WAY OUT.... Brian [8/20/2007 8:14:21 PM]
- Jayne - your ROP Rider..... Brian [8/20/2007 8:25:55 PM]
- USA TODAY - FRONT PAGE ARTICLE ON MEGA LIFE & HEALTH.... SEPT 5th. 2007 Brian [9/5/2007 6:43:00 PM]
- So Many Agents... Jon [9/20/2007 3:17:40 PM]
- Not Taught to Lie Independentgeorge [10/4/2007 12:05:07 PM]
- So if everything is so fantastic.... John [10/9/2007 4:40:19 AM]
- United American Products are being sold by MEGA / NASE agents? Rhapsody [10/10/2007 2:32:07 PM]
- UA & MEGA Brian [10/11/2007 12:35:59 PM]
- I hope you cancelled your policy Ex Employee Of 4th Floor Healthmarkets [10/15/2007 9:44:34 PM]
- Insurance 101 Sandra [10/21/2007 6:14:25 AM]
- NASE and MEGA Life and health are NOT the same company M K Allaire [10/21/2007 9:47:54 AM]
- Are you serious M K? Bay Area Agent [10/22/2007 1:19:51 PM]
- Thanx MK Brian [10/23/2007 10:08:17 AM]
- Response Newagent In Sacramento [10/27/2007 5:24:00 PM]
- Are we Defaming Mega - or Exposing them? Brian [10/30/2007 6:48:28 AM]
- Problems with health insurance - ubiquitous Newagent In Sacramento [11/1/2007 12:08:39 PM]
- Scoop on this company, the criticisms are correct Jane Doe [1/3/2008 8:42:23 AM]
- employee or independent contractor Disillusioned [1/6/2008 7:55:25 AM]
- Mega Agents - Why do you stick around there? Brian [1/9/2008 9:37:51 AM]
- Negative Comments about Mega Life and Health Noainc [1/16/2008 8:12:26 PM]
- How do you explain this? Brian [1/20/2008 11:15:53 AM]
- BIG QUESTIONS About my Status as an AGENT Unsure [1/26/2008 4:47:54 PM]
- How Do I get Out without owing so much money? Unsure [2/2/2008 12:15:49 PM]
- Advice for All Mega Agents - Brian [2/10/2008 6:23:43 PM]
- Current MEGA Agent Leaving... Company has gone too far! Jay [2/12/2008 10:32:40 PM]
- Jay your leaving Mega to where? Unsure [2/16/2008 11:56:09 AM]
- Most Important Thing Current Agents Should Know! Jay [2/22/2008 1:01:51 PM]
- it's sad to see Brian [3/1/2008 10:03:38 AM]
- What about Alliance for Affordable Services? Confused [3/5/2008 2:34:11 AM]
- I Know who you met with Confused Unsure [3/5/2008 6:44:36 PM]
- Hi Brian Unsure [3/5/2008 6:58:15 PM]
- Hi Confused Unsure [3/5/2008 10:56:21 PM]
- definitely decided to look for health insurance elsewhere Confused [3/6/2008 1:15:25 AM]
- What? Brian [3/6/2008 1:25:49 PM]
- Sounds like same sales tactics used by American Republic Insurance Company Gregg [3/11/2008 9:20:54 AM]
- BUYERS BEWARE....5 FACTS YOU MUST READ BEFORE PURCHASING MEGA INSURANCE Brian [3/16/2008 8:44:34 PM]
- Mega life plan works great for me Mmmmmmgood [3/18/2008 2:07:42 PM]
- Boy, I am eating my own words! Eating My Own Words [3/20/2008 9:59:20 PM]
- Thanx for the good laugh Mr. Agent in NC.... Brian [3/22/2008 7:03:19 PM]
- Just realize who's giving you the information John [3/26/2008 4:47:45 AM]
- Wow..it is all true isn't it? Michael [4/1/2008 9:37:12 PM]
- Mega Life slapped with a HUGE fine.... P [4/4/2008 9:32:27 AM]
- MEGA Agents - do a historical study on 'CAPTIVITY' Unsure [4/6/2008 9:12:44 AM]
- what is all the fuss At A Loss [4/7/2008 11:20:49 AM]
- Wait and You will See all the FUSS Unsure [4/7/2008 5:46:15 PM]
- MEGA RATINGS - AM'S BEST AND S&P......LOWERED!! Brian [4/9/2008 5:50:38 PM]
- Most of The Things Here You Read Are True... But Stop And Think Jay [4/12/2008 12:22:16 PM]
- OK - I'm going to assume you are referring to me...... Brian [4/13/2008 9:24:31 PM]
- Yes I was... for good reason... Jay [4/14/2008 7:23:39 AM]
- The grass is GREENER on the other side of the fence Glad I Am Gone [4/15/2008 11:59:03 PM]
- Recruiters of MEGA Agents often just as pathetic and unethical as MEGA itself Chuck [4/16/2008 2:25:06 PM]
- I Replied to that Email - and now I'm out Jim [4/17/2008 9:12:11 PM]
- Well said Jay [4/19/2008 5:22:20 PM]
- Healthmarkets isn't going 'after' anyone John [4/20/2008 4:46:11 AM]
- I Think You Might Be Confused... Jay [4/22/2008 7:29:04 AM]
- Negative posts are not the problem John [4/23/2008 6:09:21 PM]
- Couple of Things - Brian [4/24/2008 3:45:02 PM]
- Why work for someone else.... Jay [4/25/2008 7:05:35 AM]
- You have a lot to learn- Brian [4/25/2008 12:31:40 PM]
- Back and forth, back and forth Chuck [4/25/2008 8:54:13 PM]
- Hyprocrites Brian [4/26/2008 9:43:42 AM]
- Is all this critism 'objective'? Nitehawk [6/5/2008 9:34:56 PM]
- I was fooled as well and now they say I owe $30,000 Ms. Terri T. [6/15/2008 5:06:14 PM]
- Tried to Leave and I owed about 40 THOUSAND Unsure [7/16/2008 4:53:38 PM]
- Pay Off Your Debt! Jay [7/17/2008 3:20:23 PM]
- New AM Best Ratings - MEGA Downgraded from A- to B++ Jay [8/7/2008 10:57:29 AM]
- You Owe Money Because You Borrowed It Lee [8/15/2008 3:06:11 PM]
- How many Mega agents are eating Crow now? Brian [8/17/2008 6:26:38 AM]
- Regarding those lower Ratings...... Brian [8/17/2008 10:17:30 PM]
- I have reached my verdict. Warren [9/6/2008 9:59:12 AM]
- I think I've reached my verdict. Warren [9/6/2008 10:33:53 AM]
- I think I've reached my verdict. Warren [9/6/2008 10:39:20 AM]
- Guilty as charged your honor Bubbabee [9/10/2008 5:17:25 PM]
- Mega Corporate Level Mission Statement Mega Blows [9/12/2008 11:11:58 AM]
- Eating Crow? Jay [9/18/2008 1:57:51 PM]
- Eat Crow and choke on it Bubbabee [9/20/2008 7:00:37 PM]
- What??? Brian [9/25/2008 6:54:50 AM]
- stay away from uga, health markets, mega, and nase Billy [9/30/2008 11:12:24 AM]
- Show up to a interview and save the others with the truth Bubbabee [10/7/2008 9:04:24 PM]
- Healthmarkets on Monster Rob [11/9/2008 2:38:14 PM]
- Mega Life and Health Insurance constantly increases their premiums Brett [11/24/2008 9:49:01 AM]
I'm sorry you didn't understand what you were buying
I'm sorry you had such a horrible time with NASE (National Association of the Self Employed) . I am a reresentative for both Nase and Mega and it sounds to me like you were sold a NASE health plan, not a MEGA insurance health plan. If you purchase a health plan from NASE, it is a disount plan that pays a percentage, like you stated. Mega Insurance is a full health insurance plan and has a $20 doctor visit co-pay.
I'm also sorry if the agent did not make this clear to you when he/she met with you. Just as in any other field, everyone presents information differently. There was nothing holding you back from asking additional questions to the agent.
Personally, I always look out for the welfare of my customers. Many times I have told individuals/families that our plan is not for them. Although we have discount plans as well as full insurance plans, we can not make everyone happy and fulfill everyones needs.
Instead of attacking the company, you should report the individual agent with who you dealt with to the Insurance Commissioner of your state.
NASE and MEGA too-close for comfort
NASE and Mega are so closely-held together that they do not constitute seperate entities. N.A.S.E. (National Association for the Self-Employed) is merely, in my opinion, a vehicle to sell Mega plans.
I was sold a MEGA plan, no matter what Joe implies. I was looking for health insurance, not a 'discount plan'. It's completely ridiculous to think that a person would give up a regular health insurance plan, paying 60 to 80% of all fees for a discount plan, with the same monthly premium, which is only paying 10 to 15% of all fees.
Just the mere fact that a salesman, not a company rep, responded to this shows, in my opinion, that Mega and Nase are merely trying their best to rip-off small business. If Joe has an actual health-insurance plan lets here the actual numbers. What is the premium? How much do they pay for LAB work Joe, I don't care what the so-called co-pay is, that is a drop in the bucket of what consumers actually pay for health care.
NASE and MEGA are good companies
Reading your complaint it is obvious that you did not understand what you were buying. NASE and Mega are two different companies. In order to buy Health Insurance from Mega you MUST be a member of NASE. With NASE membership you get discounts on over 100 different products in addition to offering health insurance through MEGA. Also the plans offered by MEGA are customized to your individual needs. If you were only getting a discount on the tests,you did not have that covered on your insurance plan. Same thing with the doctors visit. If you had doctors visits covered you would have paid $20. Your complaint should be with your agent that you were dealing with not MEGA or NASE.
Health Care In America
To Will and any other dishearted Ex-Mega clients:
I just want to start out by saying, that it all starts with the agent. The larger that an insurance company gets, the more exposure it has to the public and the more chance there is for mis-representation. However, the other bigger factor, is how a customer wants to interpret their coverage versus what they chose to discount during the 'building' of their insurance plan. 1st of all, Will you hit it right on the head that NASE and Mega are tied at the hip. So What! Is this supposed to be a crime! If so, please tell me then we can have McDonalds arrested for selling toys in happy meals, Walmart for giving you 3 cents off at the pump if you pre-buy their gift card my local supermarket who will not discount my groceries on the special buys unless I use my Kroger card.
What I'm trying to say is simply this; The whole reason for the National Association For the Self Employed (NASE) was formed, was to help provide a place where self employed people could join and use their group size to get discounts to business services as well as access to affordable health insurance. They don't try to hide this fact in any fashion that you cannot have the health insurance through Mega unless you join the association. I tell all of my prospects this up front and have no prolem with it. In fact, it is a selling point for us. The way individual health insurance is setup today is through risk pooling. When you enroll in an insurance plan with other independant insurance companies, you have usually a 12 month period before that particualar plan is closed off. Once that plan closes, no can ever enter that same exact plan again. Not to mention that you are usually confined to a small group based on your zip code or region. So when you take a plan with xyz, you may have 6,000 more people that signed up for the same plan during the enrollment period. So what happens when these people starting getting sick, having heart attacks and major surgeries? The rates of even the healthy people are increased. And they continue to increase each year. Ever have this happen? The fact that NASE is an association (group), we have over 500,000 members. Now Mega is the only health insurance provider we offer because we want to keep all of our business and it's large members with one company so that we can get great discounts on the health insurance. This is no different than Wal-mart using it's massive sized to get a great group rate for all of it's employees.
Now here's something else I bet you didn't know; With 99% of all the other individual helath plans out there, they pay benefits based on Usual Customer and 'Reasonable' charges. The reasonable part of that phrase, is the biggest word in the insurance industry that can wipe you out. I was at a customers home last night and they had a policy with a certain company and they were paying $270 a month with a $5,100 family deductible with 100% coverage after that. My program that I offered to them was a $7,500 deductible PPO program per person with an additional $4,500 total out of pocket maximum, for $312 per month. Now which program do you think you would rather have? That other plan they had with a lower deductible, 100% coverage after and cheaper monthly, or my program with a total out of pocket exposure of $12,000? It's not a trick question initially. Heck, I would rahter have their plan than mine, if i DIDN'T understand insurance!
Here is the biggest thing:
When a company includes the words 'reasonable' in terms of how they pay, that means that they have the right to dertermine how much of the hospital bill is considered reasonable under the benefit plan. The National average of how much a company using this payment method cosiders reasonable, is 63%. So although you may have a plan that 'claims' they are going to pay 100% after your out of pocket maximum is met, that doesn't mean that is all YOU will pay. So if this client would have kept their old plan, and had a $100,000 hospital bill, they would have been responsible for the first $5,100 of the bill which would reduce the bill to $94,900. Now this company actually had to have in writing but hidden in legal jargon that they cover in the 60th percentile for reasonable charges. This is code for 60%, a little less than the national average. So 60% of $94,900 is $56,940 which they consider 'Reasonable' charges. So what happens to the other $37,960 that was not covered? Oh, YOU are held responsible and you better hope the hospital gives you a break and reduces that 50%! And if you pull that miracle off, that is still a grand total of $24,080 total out of pocket that you paid. Imagine if the bill was higher!
Our plan says in writing, we cover for Usual and Customery charges. We don't use the word 'Reasonable'. So what this means is if you had a total hospital of $750,000 with our program, you would pay your $7,500 deductible and your total out of pocket of $4,500 which comes to a grand total of $12,000 and that's it! We cover absolutley 100% after you pay these amounts, no questions asked!
Also, it showed in their policy in writing, that the insurance company can raise their rate at any time as long as they provide a 30 day written notice. They also said they can raise the rates based on the claims ratio in the schedule of benefits which means, 'the more you use your insurance, the more we will increase your premium'.
My policy says in writting 'You cannot be individually picked out for a rate increase'.
So in the end, you know why my client signed up with me, for a higher premium with a higher deductible. Because we protect our people! We are not designed to cover every little sniffle or cover 100% of all your testing and doctors visits. We are designed to help keep you from losing every thing you own if you had a serious catastrophic event. We are Dream Keepers!
However, if you want to pay a little more premium for these things, we can offer doctor's visits for $20 co-pays, $10 for generic medication (automatically included with any health plan. We can help you with the big testing such as MRI's and Cat Scans with a deductible of $500. We have the best indemnity products in the country for the money which includes: Accident, Critical Illness, Income Protection, Life Insurance and Income for each day that you are hospitalized. And we also offer Dental and Vison which most companies don't offer anymore.
So in conclusion (finally) I am very proud to be a NASE field represtative and a licensed agent for the Mega Life & Health insurance company. I truly take time with each client to explain in full detail, everything I explained in this letter and exactly how each of our benefit options work. Then I let them decide what is important to them in their plan. So we may not be the 'cheapist' insurance company in the country, but we darn sure are the best! Chao'
Sorry but yes it is a problem. Attorney General's don't seem to agree with you
Several State Attorney General's don't seem to agree with you. In fact at least one state has passed a law to prevent exactly what NASE/Mega/UICI is doing. How many names does a reputable company need anyway? Why would NASE be sued and fined by states for doing something *honest* and *helpful* instead of deceptive and criminal?
Here are some links to learn more about how *wonderful* NASE is
http://www.selfemployedweb.com/nase-wsj2.htm
http://www.boston.com/business/globe/articles/2004/01/18/premium_deal_with_complications/
http://www.mercurynews.com/mld/mercurynews/business/12269183.htm
In particular let's quote the last one 'the policy imposed CAPS on nearly EVERY type of coverage...'
A real insurance plan does the exact opposite.
NASE is and always will be a fraud, this is my opinion. You can read up on the links I've posted, I'm sure there are dozens more like that.
The NASE agent's rebuttal is a load of crap (ex-ins agent)
When I first got out of college, I sold health ins and life ins for a couple years. I had general agent's contracts with many different companies, and I looked at selling for NASE, until I recognized what a crap policy it was!
The whole sales pitch that Carlos so elegantly recited has been around at least since the late 80's or early 90's. And while it may appear to be true on paper (and it sounds like a helluva sales pitch), it's totally false because doctors and insurance companies just don't work the way NASE is implying. Their whole sales pitch is a scare tactic.
They essentially say: Buddy, you better give up that cheaper policy with Blue Cross/Blue Shield that gives you better coverage.
Customer says: Gee whiz. Why?
Nase says: Oh, because of the reasonable and customary wording. They'll screw you big time, beacause the docs and hospitals always charge MUCH MORE than the reasonable and customary rates.
Customer says: Oh. I didn't know that. Gee, where do I sign?
The truth is: Nase kinda sorta ~forgets~ that virtually every big-name health plan...Kaiser, Cigna, Aetna, Blue Cross, Definity, etc...all have contracts with docs and hospitals. The docs and hospitals sign a CONTRACT with the insurer that they will accept $X amt of dollars that the company pays, and that the hospital or doc WILL NOT go after their customer for the balance!
Example: Cigna is your insurer. You have knee surgery. Doc charges $4,000. Hospital charges $6,000. But they are both in Cigna's PPO plan. Cigna only pays $2,800 to the doc, and $4,500 to the hospital. Do you owe the balance? NO. NO. NO. They are CONTRACTED with Cigna, and they agree to accept whatever they pay.
Nase just loves you to believe their scary sales pitch. Don't fall for it.
Will and 'Anywhere Maryland'
Thanks God you are an Ex-Agent b/c you were spreading bad information. IF your insurance contract reads 'reasonable charges' the insurance company determines what is paid to the provider. If it reads 'Usual and Customary' then the prevailing charge in that geographic area is what the insurance company pays. I would rather have doctors and hospitals determining what is paid rather than ANY insurance company. Just b/c an insurance company has a contract w/doctors and hospitals DOES NOT MEAN THEY WILL COVER ALL CHARGES ASSOCIATED WITH A CLAIM. Please understand what is called 'Balance Billing.' Here is an article from the Patient Advocate Foundation http://www.patientadvocate.org/index.php?p=439
PLEASE PAY SPECIAL ATTENTION TO THE BOTTOM WHERE IT SAYS THE PATIENT IS RESPONSIBLE FOR PAYING THE DIFFERENCE. (also, do your homework before educating others)
Usual, Customary and Reasonable Charges (UCR)
Defined Usual, Customary and Reasonable Charges (UCR) are a calculation by a managed care plan of what it believes is the appropriate fee to pay for a specific health care product or service in the geographic area in which the plan operates.
Neither State nor Federal governments regulate UCR charges. Medicare is one entity that publishes their UCR charges. Providers of care may have different UCR Charges (Actual Charges) from the UCR Charges (Allowable Charges) of the insurance carriers. When an insurance carrier has a UCR Charge (Allowable Charge) that is below that of a provider of care's UCR Charge (Actual Charge), then the patient may be responsible for the difference. This is called Balance Billing.
Actually Mike....
All of the insurance compaies I deal with do not allow balance billing. It's in the Blue Cross policy my clients receive - in writing. If you'd like a copy faxed to you just say the word. Clients are not responsible with paying the difference. The 'uc vs ucr' is a scare tactic employed by UGA agents to scare people into buying Mega policies.
And Mike, what would it matter anyway:
ER = $1,000 max benefit
Lab = $2,000 per day max benefit
Doctor visits = $75 max benefit
Prescriptions = $1,000 max benefit
Chemo = $2,000 per day max benefit
Deductibles = per-occurance (unless PPO Plus or Signature - almost never sold)
No outpaitent charges count towards the plan deductible. You have a seperate deductible for lab and ER. All out of pocket expenses involving lab, ER and doctor visits don't count towards the deductible.
These are extremely limited plans. I guess you have to tell the client something to get them to sign.
'But we put people into a large association and give valuable business benefits'
So does everyone else, including Assurant Health, Golden Rule, Celtic, AMS, American Republic, Continental General, etc....All of thoese companies are association coverage JUST LIKE MEGA/NASE and give business benefits while putting people into a huge pool of people thereby speading out the risk. It's called 'association group' insurance.
You need to do some research.
Look around you!!
I am an ex-agent of the Mega Health and Life Company...all of the reports I have read here are very true, and it boggles my mind how many agents post rebuttles to try to defend this company...I know it is hard to look in the mirror and accept that you have been duped...but look around you...Why is everyone in your office a 'newbie' why are the big producers in your office only one or two years in the business...Why are your managers trying to hire as many new agents as they can every week??? Its because they know that when the ones they have figure it out they will need replacements...Its all a sham they lock you up in a room and teach you that the legit company's will cancel you if you have claims, or will increase your rates to drive you out, or they only pay reasonable and customary charges...and that MEGA is the consumer's answer to all those problems. I noticed one rebuttle that said you could taylor the plan to your needs and add doctor's co-pays, Labs ect....With Mega this is true but what gets paid after the co-pays??? Not reasonable and customary but MEGA'S price... I believe today it is $75 for an office visit after a $20 co-pay and it is limited to once or twice per quarter the cost of adding this benefit to your plan is more per year than you could ever hope to get back out of it...and it is that way with all of the optional riders...the Ambulatory care rider only pays up to $2000 per day after a $500 or $1000 deductible...the ER rider only up to $1000 after a $250 deductible...Have an accident go to the ER for a couple cat scans, an MRI and some stiches...total bill of over $10,000...MEGA pays a maximuim of $3000 for these services and you pay the rest....OH and your base plan deductible hasn't even been touched yet so when you have to go back to have a let's say ACL surgery you pay your $2500 deductible then 30% to $4500 more for a total of $7000 more...oh and if anything else happens to you in that calander year...you have to do it all over again...because the deductibles are 'per occurence'...Its an awful plan and all agents eventually figure it out...usually by lots and lots of phone calls from unhappy clients...If you don't believe just stay around for 2 years or more by then the calls will come...I hope by writing this I save a few of you agents that pain... there is nothing worse then being responsible for putting people who put their trust in you in a finacially devasting position. Anyone in your office (other then a manager) that has been around for more than 2 years knows what they are doing and should be ashamed of themselves...any one below two years I hope I have helped you to question what you are doing...there are plenty of legitimate carriers out there that will pay you more for selling their products, and they will truely protect your clients. If you are still not convinced ask yourself one question Why must you be a captive agent?? None of the other carriers require this...It is because MEGA knows that if you were comparing their products with true major-medical plans in the marketplace that you would never write any of their product...they want to control what you learn about health insurance and keep you in the dark about the truth...they only want you to know their truth...that is why they hire only agents new to the industry...they don't recruit experienced agents...look around you!!! Type other major-med carriers into the search on this web site...why aren't there pages of bad reports on them???? There is a reason!!!
MEGA + MID-WEST = U FILE BANKRUPTCY! TRUTH TOLD! ..this pathetic excuse for health insurance
I am a former agent and it's great to see all of these great postings bashing this pathetic excuse for health insurance. Folks, for the record, I am a very successful broker. My career began with UICI (Mega-BS/Mid-West National Crap of TN) It took about 6 mos to really see how terrible this stuff was. I did what every current Mega/Mid-West agent should do...SEEK OUT KNOWLEDGE! Yes, you brainwashed little morons! Stop asking your DSL or your RSL about insurance. Pick up your phone book and call an INDEPENDENT AGENT. One thing you'll find that I'll guarantee; you'll NEVER find an Independent selling this crap. Well, I really got the goods on these scammers and promptly resigned. WOW! What a weight off my shoulders that was! No more, trying to explain all of the god damn limitations.
You know what I love to hear these days??? When I talk to prospects that have talked to a Mega/Midwest agent they say: 'they won't single me out for a rate increase or a cancellation!' What a play on words!!! No other policy can will do this either folks!! How bout this one...'you can go to any doctor or any hospital' Yeah right, sure you can but will they pay? HELL NO!!! I love snagging people away from this crappy insurance, it's sooooo easy!! I just refer them to ripoffreport.com or a million other places that speak the truth!
Well that will do it for now. All you former agents be sure to post your 2cents! We need to let the public know just how bad this stuff is. It's your duty!!!
To anyone considering buying MEGA LIFE OR MID-WEST NATIONAL LIFE INS CO OF TN -please pick up your phone book and contact a local independent agent. There's a seal indicating this. Don't give these motherf*#$ers a second of your time!
I'm a present agent with MEGA and believe this is the best health insurance in the country.
I have done my research, and lets look around:
4 to 1 bigger than any insurance company in country in the individual family and small group marketplace.
The fastest company to pay claims.
Insurance accepted in all 50 states.
Only company that is slashing prices while everyone else is going up.
Have more products coming out that will kick the daylights out of our competition's behind. and on and on. Mega is a great company. I think it is Jealousy and a few bad agents that has caused these complaints. If the agent explained the product right, the customer will not have a problem. Also lazy brokers who just want to sit and make sales instead of going to see the customer is part of the problem. Even if i don't stay with this company, they are doing a great job. I'm looking around, and the future is BRIGHT.
What??? Four to one larger
Four to one larger than any other company in the individual market? I checked with the NAIC - National Association of Insurance Commissioners and this is what I got from premium dollar amounts collected in 2005.
Assurant Health: 1.4 bill
Mega Life: 1.3 bill
Golden Rule. 1.2 bill
Not only are they not 4 to 1 bigger, but Assurant is the largest individual company in the country, and they're also association coverage just like Mega. Also, both Assurant and Golden Rule dropped their rates.
Mega is not in all 50 states and all insurance companies must pay claims in within 30 days.
Just saying that Mega is in all 50 states and they're 4 to 1 larger than other individual companies means you're 100% completely clueless.
Mega Screw Up
for about $600 a month, Mega pays its claims like this. My mother developed cancer and here is a summary:
Charges/ Amt Paid
6/22/2004 $39.00 $0
6/22/2004 $44.00 $0
8/30/2004 $45.00 $0
8/30/2004 $139.00 $78.00
9/2/2004 $147.00 $50.00
9/8/2004 $7.00 $0
9/17/2004 $71.00 $0
9/17/2004 $39.00 $0
9/17/2004 $44.00 $0
10/1/2004 $39.00 $0
9/2/2004 $172.00 $79.92
10/1/2004 $44.00 $0
10/1/2004 $71.00 $50.00
11/22/2004 $71.00 $0
8/30/2004 $139.00 $0
8/30/2004 $45.00 $0
12/2/2004 $1316.00 $368.64
12/8/2004 $105.00 $0
12/8/2004 $44.00 $0
12/8/2004 $39.00 $0
12/7/2004 $2308.51 $0
12/10/2004 $115.00 $0
12/10/2004 $90.00 $45.69
1/6/2005 $84.00 $0
12/10/2004 $519.00 $87.86
1/5/2005 $154.00 $50.00
1/8/2005 $139.00 $0
1/11/2005 $185.00 $0
12/7/2004 $614.00 $0
12/29/2004 $132.00 $32.00
1/7/2005 $285.00 $0
1/6/2005 $110.00 $0
1/10/2005 $84.00 $0
1/7/2005 $84.00 $0
1/6/2005 $1168.00 $0
1/7/2005 $2629.00 $0
1/7/2005 $2219.00 $0
1/13/2005 $873.00 $0
1/11/2005 $110.00 $0
1/12/2005 $550.00 $0
1/19/2005 $2029.00 $0
1/14/2005 $410.00 $0
1/11/2005 $410.00 $0
1/24/2005 $43.00 $9.00
12/29/2004 $64.00 $37.74
1/18/2005 $882.00 $0
1/20/2005 $3986.00 $0
1/13/2005 $725.00 $0
1/17/2005 $410.00 $0
1/8/2005 $410.00 $0
1/10/2005 $882.00 $0
1/12/2005 $410.00 $328.00
1/8/2005 $33.00 $0
1/24/2005 $56.00 $41.00
1/6/2005 $625.00 $0
1/12/2005 $190.00 $0
1/5/2005 $1120.00 $0
1/12/2005 $28.00 $0
1/5/2005 $25143.02 $0
2/13/2005 $168.00 $0
1/18/2005 $882.00 $0
1/19/2005 $2029.00 $0
1/20/2005 $3986.00 $0
1/8/2005 $410.00 $0
1/10/2005 $882.00 $0
1/11/2005 $410.00 $0
1/12/2005 $410.00 $0
1/13/2005 $725.00 $0
1/14/2005 $410.00 $0
1/17/2005 $410.00 $0
12/10/2004 $4105.29 $0
1/11/2005 $28.00 $0
1/24/2005 $5516.00 $0
1/7/2005 $6138.00 $0
1/7/2005 $5442.00 $0
1/25/2005 $1640.00 $0
1/31/2005 $1440.00 $0
2/2/2005 $882.00 $0
2/4/2005 $99.00 $99.00
1/24/2005 $40.00 $0
1/31/2005 $2814.45 $0
1/19/2005 $2387.50 $0
1/24/2005 $2419.00 $0
2/4/2005 $584.95 $484.95
2/13/2005 $34.00 $0
2/13/2005 $33.00 $0
2/13/2005 $43.00 $0
2/15/2005 $56.00 $0
2/16/2005 $67.00 $0
2/16/2005 $14.00 $0
2/19/2005 $124.00 $0
2/15/2005 $110.00 $0
2/16/2005 $20.00 $0
2/18/2005 $45.00 $0
2/19/2005 $24.00 $0
2/21/2005 $40.00 $0
2/13/2005 $32.00 $0
2/13/2005 $234.00 $0
2/22/2005 $20.00 $0
2/23/2005 $10.00 $0
2/19/2005 $248.00 $0
2/18/2005 $284.00 $0
2/4/2005 $24.00 $24.00
2/4/2005 $410.00 $0
2/24/2005 $20.00 $0
2/26/2005 $45.00 $0
2/26/2005 $14.00 $0
2/16/2005 $32.00 $0
2/13/2005 $25936.85 $5605.85
2/16/2005 $82.00 $0
2/17/2005 $198.45 $101.45
2/14/2005 $20.00 $0
2/14/2005 $20.00 $0
2/15/2005 $20.00 $0
2/16/2005 $10.00 $0
1/7/2005 $966.00 $0
12/29/2004 $749.08 $565.66
2/28/2005 $381.00 $0
2/28/2005 $150.00 $0
2/28/2005 $100.00 $0
2/20/2005 $32.00 $0
3/2/2005 $75.00 $0
2/23/2005 $248.68 $200.68
2/21/2005 $259.18 $50.18
2/13/2005 $25931.00 $0
2/28/2005 $28.00 $0
2/28/2005 $49.00 $0
3/12/2005 $168.00 $0
3/11/2005 $84.00 $0
2/28/2005 $625.00 $0
2/26/2005 $32.00 $0
3/1/2005 $347.00 $0
3/1/2005 $83.00 $0
3/4/2005 $28.00 $0
3/3/2005 $26.00 $0
3/16/2005 $75.00 $0
3/14/2005 $511.00 $0
3/16/2005 $633.00 $0
3/3/2005 $28.00 $0
3/5/2005 $56.00 $0
2/22/2005 $32.00 $0
2/18/2005 $45.00 $0
2/19/2005 $10.00 $0
2/15/2005 $56.00 $0
2/16/2005 $35.00 $0
2/26/2005 $24.00 $0
2/27/2005 $10.00 $0
2/22/2005 $20.00 $0
2/23/2005 $10.00 $0
2/13/2005 $28.00 $0
2/14/2005 $33.00 $0
3/10/2005 $28.00 $0
2/14/2005 $20.00 $0
2/14/2005 $10.00 $0
2/24/2005 $20.00 $0
2/26/2005 $35.00 $0
2/20/2005 $24.00 $0
2/22/2005 $35.00 $0
2/15/2005 $20.00 $0
2/16/2005 $10.00 $0
2/16/2005 $51.00 $0
2/17/2005 $10.00 $0
2/13/2005 $34.00 $0
2/13/2005 $15.00 $0
3/8/2005 $28.00 $0
3/16/2005 $56.00 $0
3/23/2005 $28.00 $0
3/14/2005 $200.00 $0
2/19/2005 $700.00 $304.00
3/18/2005 $28.00 $0
3/17/2005 $28.00 $0
2/4/2005 $410.00 $328.77
2/23/2005 $10.00 $0
2/22/2005 $20.00 $0
2/21/2005 $40.00 $0
2/19/2005 $24.00 $0
2/18/2005 $45.00 $0
2/2/2005 $882.00 $0
2/27/2005 $1055.85 $250.85
2/27/2005 $0 $0
3/14/2005 $215.00 $0
3/7/2005 $28.00 $0
3/19/2005 $55.00 $0
3/22/2005 $360.00 $0
3/15/2005 $28.00 $0
3/5/2005 $240.00 $0
3/7/2005 $360.00 $0
3/9/2005 $28.00 $0
3/20/2005 $84.00 $0
2/28/2005 $492.00 $0
3/1/2005 $480.00 $0
3/10/2005 $480.00 $0
3/18/2005 $175.00 $0
3/21/2005 $28.00 $0
3/20/2005 $28.00 $0
3/19/2005 $28.00 $0
2/4/2005 $584.95 $0
3/25/2005 $28.00 $0
3/13/2005 $56.00 $0
3/11/2005 $28.00 $0
3/22/2005 $28.00 $0
2/13/2005 $25931.00 $0
2/28/2005 $21.00 $0
3/24/2005 $28.00 $0
2/28/2005 $144432.39 $34987.00
2/13/2005 $25931.00 $0
2/19/2005 $700.00 $0
3/24/2005 $28.00 $0
12/7/2004 $2308.51 $1001.05
12/10/2004 $4105.57 $1134.22
12/10/2004 $115.00 $0
12/7/2004 $614.00 $0
1/5/2005 $1120.00 $740.96
1/6/2005 $84.05 $50.05
1/24/2005 $5926.00 $1251.31
1/7/2005 $11170.00 $1251.31
1/25/2005 $2260.00 $1809.89
2/1/2005 $1702.00 $1363.02
1/6/2005 $110.00 $0
1/7/2005 $84.05 $50.05
1/7/2005 $285.00 $0
1/6/2005 $1168.26 $250.26
1/7/2005 $4848.00 $0
1/6/2005 $625.00 $0
3/13/2005 $42.00 $0
2/28/2005 $144432.39 $0
2/13/2005 $25931.00 $0
2/19/2005 $124.37 $100.37
2/16/2005 $82.79 $50.79
2/13/2005 $234.79 $50.79
2/13/2005 $33.00 $0
2/20/2005 $32.00 $0
2/19/2005 $248.37 $100.37
2/16/2005 $20.00 $0
2/18/2005 $45.00 $0
2/19/2005 $24.00 $0
2/21/2005 $40.00 $0
2/13/2005 $168.00 $0
3/11/2005 $28.00 $0
3/13/2005 $56.00 $0
3/10/2005 $480.73 $200.73
3/18/2005 $175.37 $100.37
3/7/2005 $360.55 $150.55
3/1/2005 $480.73 $200.73
3/5/2005 $240.37 $100.37
2/28/2005 $493.36 $371.76
3/7/2005 $28.00 $0
3/9/2005 $28.00 $0
3/8/2005 $28.00 $0
3/14/2005 $511.00 $0
3/3/2005 $26.00 $0
3/1/2005 $347.00 $0
2/28/2005 $625.00 $0
3/11/2005 $84.18 $50.18
3/12/2005 $168.37 $100.37
2/28/2005 $49.00 $0
3/2/2005 $75.00 $0
2/28/2005 $100.00 $0
2/28/2005 $150.00 $0
2/28/2005 $382.12 $305.92
3/10/2005 $28.00 $0
3/5/2005 $56.00 $0
3/3/2005 $28.00 $0
3/4/2005 $28.00 $0
3/1/2005 $83.00 $0
2/28/2005 $28.00 $0
2/26/2005 $32.00 $0
3/24/2005 $28.00 $0
3/22/2005 $28.00 $0
3/13/2005 $56.00 $0
3/19/2005 $28.00 $0
3/20/2005 $28.00 $0
3/21/2005 $28.00 $0
3/15/2005 $28.00 $0
3/22/2005 $360.55 $150.55
3/20/2005 $84.18 $50.18
3/19/2005 $55.18 $50.18
3/14/2005 $215.00 $0
3/17/2005 $28.00 $0
3/18/2005 $28.00 $0
3/14/2005 $200.00 $0
3/23/2005 $28.00 $0
3/16/2005 $634.80 $492.20
3/16/2005 $75.00 $0
2/19/2005 $304.00 $0
1/8/2005 $410.00 $0
1/10/2005 $882.00 $0
1/11/2005 $410.00 $0
1/13/2005 $725.00 $0
1/14/2005 $410.00 $0
1/17/2005 $410.00 $0
1/18/2005 $882.00 $0
1/19/2005 $2029.00 $0
1/20/2005 $3986.00 $0
1/19/2005 $2029.00 $1250.00
1/18/2005 $882.00 $705.60
1/13/2005 $725.00 $580.00
1/11/2005 $410.00 $328.00
1/8/2005 $410.00 $328.00
1/10/2005 $882.00 $705.60
1/17/2005 $410.00 $328.00
1/20/2005 $3986.00 $1250.00
1/14/2005 $410.00 $328.00
The MEGA Life and Health Insurance Company
PO Box 982009
North Richland Hills, Tx 76182