Complaint Review: American Life And Health Insurance - Design Savers Plan - Fresno California
- American Life And Health Insurance - Design Savers Plan americanlifeandhealth.org Fresno, California U.S.A.
- Phone: 800-365-7890
- Web:
- Category: Health Insurance
American Life And Health Insurance - Design Savers Plan Ripoff, Misleading advertising. They are not an insurance company. They are not here to help you. Fresno California
*Consumer Suggestion: American life and health is not licensed to sell health insurance in the state of Minnesota.
*REBUTTAL Owner of company: Design Savers Plan Response
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I just wanted anyone or all to know that the company that referrs to themselves as American Life and Health is not a legitimate health insurance plan.
My husband and I signed up for the health insurance having theunderstanding that it would only be $144 a month. Our credit card was billed $269. I then tried to contact the people to get my money back, but no one answered the phone.
Eventually I got a hold of someone and they told me that they would have the financial department call me back. I asked for a direct line to them and they did not have one. They said it would come with my packet. 2 weeks later I neither received my packet nor a phone call.
When I finally received my packet, it was associated with Design Savers Plan which is not even health insurance. These people do not return phone calls and when you do call you will be transferred and transferred until no one is there to answer your questions.
So I returned to the website and learned that the offer still was standing but all of the phone numbers had been changed.
It is a scam. Anyone that wants can go to the BBB to find out about Design Savers Plan. Please be aware that American Life and Health is associated with design savers plan and that is not health insurance. It will only cause you problems.
Sandra
Minnetonka, Minnesota
U.S.A.
This report was posted on Ripoff Report on 02/03/2006 04:47 PM and is a permanent record located here: https://www.ripoffreport.com/reports/american-life-and-health-insurance-design-savers-plan/fresno-california/american-life-and-health-insurance-design-savers-plan-ripoff-misleading-advertising-th-174652. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#2 Consumer Suggestion
American life and health is not licensed to sell health insurance in the state of Minnesota.
AUTHOR: Sue - (U.S.A.)
SUBMITTED: Wednesday, May 17, 2006
Dear Sandra,
American life and health is not licensed to sell health insurance in the state of Minnesota. If you were sold this plan as health INSURANCE it is fraud. Call the Minnesota Dept. of Commerce consumer reponse team at 651-296-2488 or 800-657-3602 and report this company. Also report them to the Minnesota insurance fraud dept. at 888-372-8366. Contact the Minnesota Attorney 's Office at their consumer specialists hot line at 651-296-3353 or 800-657-3787. Also file a online complaint at the Federal TRade Commission website at www.ftc.gov.
If you need to find out about REAL health insurance in Minnesota contact the Minnesota comprehensive health a*s. at 866-894-8053 or see them at www.mchamn.com and they will help you find health insurance in your state.
The product you purchased is simply a discount plan not health insurance and you were misled into buying it by the person who sold it to you as health insurance. A company and an agent must both be licensed by the state of Minnesota to sell health insurance. There are many people listed on this website that have been ripped off by salespeople selling health discount plans as health insurance. Contact your credit card company and put in a dispute for the amount you were charged because you were scammed into buying this product. By the way there is a WARNING on the Minnesota dept. of insurance website about these discount plans! Also call your BBB and consumer affairs office and report this company so other people do not get ripped off!

#1 REBUTTAL Owner of company
Design Savers Plan Response
AUTHOR: Steven - (U.S.A.)
SUBMITTED: Tuesday, May 16, 2006
Thank you for bringing this information to our attention. Design Savers Plan contracts with over 2000 independent marketing companies that the sell our program. Design Savers Plan provides health care alternatives to the over 46,000,000 americans that currently do not have health insurance due to affordability or not being able to physically qualify. We provide discounted medical benefits combined with limited benefit accident and hospitalization reimbursement benefits at very low prices. Applicants cannot be denied membership due to pre-existing medical conditions such as cancer, heart disease and diabetes.
We DO NOT advertise as a Major Medical Insurance Plan. We will investige the practices of American Life and Health Insurance to insure they are representing our program honestly. If they are not, we will terminate their contract immediately for mis-representation.
Steven D. Smith, President - Design Savers Plan


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