ABBA - IAC - Independence American Health Insurance My agent lied to me! Irving Texas

Don't worry sweetie...the GA DOI is about to get an earful and your company is lying to YOU as I have called to complain. As far as you calling my statement slanderous, why don't you go read the policy and educate yourself. You obviously only know what you are told and haven't bothered to check the facts. How many policies have you sold by being so uninformed anyway? I hope your E&O coverage is paid up and has high limits.

I quote:" Outpatient Diagnostic Imaging Copay: (Includes, but not limited to: MRI, CAT Scan, PET Scan and Nuclear Imaging Tests) $100 copay per test for each Outpatient Diagnostic Imaging test;covered charges will then be subject to any applicable calendar year deductible and 80% preferred provider;60% non-preferred provier coinsurance;UP TO THE MAXIMUMCALENDAR YEAR BENEFIT OF $2500 PER COVERED PERSON. Once the maximum benefit is exceeded charges incured for outpatient diagnostic imaging testing will NOT be considered COVERED CHARGES for the balance of that calendar year."

While we are on the topic, the broker I'm now dealing with to try and find other coverage clued me into a coupla other hidden limits not found in a NORMAL major medical plan...1-while there are annual $ limits for routine physicals every year there are NOT limits on colonoscopies etc. and 2 - if my lifetime coverage is 1 million why are you limiting coverage in any one year to 500K??

Your coverage sounds a lot like those other two snakes...MEGA and MidWest. Seems like you guys should have learned your lesson by now.

By the way, the policy that agent sold me WITH limits and 1 million lifetime max is costing me $391 per month. To date, I've found 4 other major medical companies with no internal limits and 2-5 million lifetime max all for under $300 per month. Better coverage, less money...but right now I'm stuck with the junk he sold me until I've been released from my doctor's care.

Don't worry sweetie...the GA DOI is about to get an earful and your company is lying to YOU as I have called to complain. As far as you calling my statement slanderous, why don't you go read the policy and educate yourself. You obviously only know what you are told and haven't bothered to check the facts. How many policies have you sold by being so uninformed anyway? I hope your E&O coverage is paid up and has high limits.

I quote:" Outpatient Diagnostic Imaging Copay: (Includes, but not limited to: MRI, CAT Scan, PET Scan and Nuclear Imaging Tests) $100 copay per test for each Outpatient Diagnostic Imaging test;covered charges will then be subject to any applicable calendar year deductible and 80% preferred provider;60% non-preferred provier coinsurance;UP TO THE MAXIMUMCALENDAR YEAR BENEFIT OF $2500 PER COVERED PERSON. Once the maximum benefit is exceeded charges incured for outpatient diagnostic imaging testing will NOT be considered COVERED CHARGES for the balance of that calendar year."

While we are on the topic, the broker I'm now dealing with to try and find other coverage clued me into a coupla other hidden limits not found in a NORMAL major medical plan...1-while there are annual $ limits for routine physicals every year there are NOT limits on colonoscopies etc. and 2 - if my lifetime coverage is 1 million why are you limiting coverage in any one year to 500K??

Your coverage sounds a lot like those other two snakes...MEGA and MidWest. Seems like you guys should have learned your lesson by now.

By the way, the policy that agent sold me WITH limits and 1 million lifetime max is costing me $391 per month. To date, I've found 4 other major medical companies with no internal limits and 2-5 million lifetime max all for under $300 per month. Better coverage, less money...but right now I'm stuck with the junk he sold me until I've been released from my doctor's care.

Don't worry sweetie...the GA DOI is about to get an earful and your company is lying to YOU as I have called to complain. As far as you calling my statement slanderous, why don't you go read the policy and educate yourself. You obviously only know what you are told and haven't bothered to check the facts. How many policies have you sold by being so uninformed anyway? I hope your E&O coverage is paid up and has high limits.

I quote:" Outpatient Diagnostic Imaging Copay: (Includes, but not limited to: MRI, CAT Scan, PET Scan and Nuclear Imaging Tests) $100 copay per test for each Outpatient Diagnostic Imaging test;covered charges will then be subject to any applicable calendar year deductible and 80% preferred provider;60% non-preferred provier coinsurance;UP TO THE MAXIMUMCALENDAR YEAR BENEFIT OF $2500 PER COVERED PERSON. Once the maximum benefit is exceeded charges incured for outpatient diagnostic imaging testing will NOT be considered COVERED CHARGES for the balance of that calendar year."

While we are on the topic, the broker I'm now dealing with to try and find other coverage clued me into a coupla other hidden limits not found in a NORMAL major medical plan...1-while there are annual $ limits for routine physicals every year there are NOT limits on colonoscopies etc. and 2 - if my lifetime coverage is 1 million why are you limiting coverage in any one year to 500K??

Your coverage sounds a lot like those other two snakes...MEGA and MidWest. Seems like you guys should have learned your lesson by now.

By the way, the policy that agent sold me WITH limits and 1 million lifetime max is costing me $391 per month. To date, I've found 4 other major medical companies with no internal limits and 2-5 million lifetime max all for under $300 per month. Better coverage, less money...but right now I'm stuck with the junk he sold me until I've been released from my doctor's care.

Don't worry sweetie...the GA DOI is about to get an earful and your company is lying to YOU as I have called to complain. As far as you calling my statement slanderous, why don't you go read the policy and educate yourself. You obviously only know what you are told and haven't bothered to check the facts. How many policies have you sold by being so uninformed anyway? I hope your E&O coverage is paid up and has high limits.

I quote:" Outpatient Diagnostic Imaging Copay: (Includes, but not limited to: MRI, CAT Scan, PET Scan and Nuclear Imaging Tests) $100 copay per test for each Outpatient Diagnostic Imaging test;covered charges will then be subject to any applicable calendar year deductible and 80% preferred provider;60% non-preferred provier coinsurance;UP TO THE MAXIMUMCALENDAR YEAR BENEFIT OF $2500 PER COVERED PERSON. Once the maximum benefit is exceeded charges incured for outpatient diagnostic imaging testing will NOT be considered COVERED CHARGES for the balance of that calendar year."

While we are on the topic, the broker I'm now dealing with to try and find other coverage clued me into a coupla other hidden limits not found in a NORMAL major medical plan...1-while there are annual $ limits for routine physicals every year there are NOT limits on colonoscopies etc. and 2 - if my lifetime coverage is 1 million why are you limiting coverage in any one year to 500K??

Your coverage sounds a lot like those other two snakes...MEGA and MidWest. Seems like you guys should have learned your lesson by now.

By the way, the policy that agent sold me WITH limits and 1 million lifetime max is costing me $391 per month. To date, I've found 4 other major medical companies with no internal limits and 2-5 million lifetime max all for under $300 per month. Better coverage, less money...but right now I'm stuck with the junk he sold me until I've been released from my doctor's care.

Mary,
Any if the Independence American Plans DO NOT have internal policy limits for any services rendered...this statement is absolutely untrue and slanderous!!! If you truly have a complaint about your coverage I challenge you to take your concerns directly to the corporate company...to date there have been no such claims from you or anyone else alleging anythong remotely to what you are claiming in your report...