American home shield Deceptive/fraudulent practice at AHS Memphis, Tennessee

Signed up with American Home Shield over phone. I have a small 900sq ft condo in central Florida. Signed up for "pick ten" plan. Told salesperson I have an AC unit with both cooling and heating function. Was told that was a heat pump.  

over a year year later, AC System was running poorly so had a service call. Paid $100 and was told system running properly but coils could use a good cleaning. Not a covered item so paid $125 out of my pocket to have cleaned.

6 months later AC system breaks.  Same service company comes out to have a look.  Condenser is broken beyond repair.  I think, great that I have insurance with AHS.  Coverage denied because system is not a " heat pump" but an AC with heat strips. And I don't have coverage for AC. 

After many conversations with company, I was still denied.  And I still don't fully understand the difference between the two as both provide AC and heating all in one system.   AHS employee -Derrick- said even though salesperson told me I had a heat pump, that those salespeople  who advised me don't know difference between the two either and that it is up to me to know the subtle distinction between the two.  

The primary reason for getting AHS was for my AC/he at unit.  And I have been paying my monthly premiums for 18 months, I now understand for coverage of a heat pump- which I do not have.  Money down the drain.  

So beware of AHS