Chesapeake Surebridge Insurance I paid for a policy for a year, tried to use it when I was hospitalized, they told me I was not covered, and then when I asked to have the policy cancelled, they backdated my policy even though I told them not to. North Richland Hills Texas

I enrolled in Chesapeake Surebridge Insurance during open enrollment in 2016 after losing my job. The sole purpose of enrolling in the policy was so that I would not have to go without medical insurance as I was between jobs. I am 46 years old and wanted to be able to maintain my regular appointments without interruption and have insurance in the event of an emergency. I found them on the Maryland Marketplace and linked up with an agent named Keith Moore out of Maryland. After discussing options, we enrolled me in the plan. I was very specific about what I wanted and he was very clear about what this plan covered and hospitalization was part of that coverage.

I commenced to make payments for the next year and in March of 2018 I was hospitalized and called to confirm covereage, only to be told that my plan was an Accidental Supplemental Plan that was only good if I got hurt in an accident on the job. This did not make any sense to me because I don't work a job where that would be an issue (I am an accountant). I called their Customer Care line from the hospital and they informed me that they would only refund 2 months of my insurance premium (although I have paid on it over a year.) I have tried on several occasions to gain clarification from the agent, Keith Moore and he tells me that the mistake was not on his part and that he needs to go back and "research" my plan and why we choose that plan. THERE WOULD HAVE BEEN NO REASON FOR US TO CHOOSE THAT PLAN.

Seeking a refund, the customer service agent informed me that they could not refund more than 2 months without me doing an appeal. I did paperwork for an appeal only to be denied. I cancelled my policy in April, however they backdated my cancellation date to March 8, which helps me NOT AT ALL as I was hospitalized on March 24. I was very clear when I cancelled that I did not want my insurance backdated and requested a letter stating coverage during that time. They never issued my letter, and backdated my policy to a time weeks before I was hospitalized. They have continued to say that my hospitalization had to be more than 24 hours....it was 4 days. They keep saying that I could not have any pre-existing conditions....I didn't. Mr. Keith Moore represents the middle man between Chesapeake Surebridge, but neither party is owning their part in this and in the meantime I have paid more than $3000.00 for an insurance plan that I would have "never" used according to them.

I would like to be credited for all of the months of the plan that I have paid for. In addition, I want to make others aware that this company is not ethical and does not own up to it's mistake and misleading information. As well I want to warn others that Mr. Keith Moore choses to prey on unassuming consumers who are in desperate need of health care. I am now stuck with $15,000 of medical bills from a 4 day hospital stay for a major menstrual cycle that led to me needing a blood transfusion. I have no way of seeking assistance with these medical bills because although I had insurance....the kind of insurance I had, is not applicable. They keep asking me why I didn't file the claim, because "you told me I wasn't covered." That's a good reason not to file one.