National Congress of Employers First Choice Health Insurance Agency Misrepresentation, hoax Internet

I am insured by Unified Life Insurance Company, part of The National Congress of Employers Health Discount Program. I purchased coverage in June of 2013. When I  quit my job in April of 2013, I lost my group medical coverage and needed something temporarily until I would be covered by Medicare in December of 2013.

 My budget for insurance was small because I was not working, so I chose to be covered by Unified Life even though its benefits were very limited. Better coverage would have cost me a lot more money. I was also betting that because my health was very good and because I needed this insurance for only a few months, the meager benefits would be good enough.

 Unfortunately I lost that bet! A few days after my coverage went into effect, I developed symptoms serious enough to have to go to first, a walk-in clinic and then the emergency room at a hospital. The next day I saw an eye specialist and had my first visit to my new primary doctor. This physician ordered a blood test at a lab and, subsequently I had to visit this doctor one more time before the correct medication was prescribed for me. With a follow-up appointment at the ophthalmologist, within six weeks I had used up all my benefits for doctor's visits and lab work, etc. except for coverage for being admitted to the hospital. Hopefully that won't happen until I go on Medicare!

 I have been sent payment for all the benefits for which I was covered so far by this insurance company and have no complaints. I wish now I had selected a company with better coverage, but that  was my choice. I would drop the insurance for the last month except for the fact that it offers excellent drug coverage and one of my new prescriptions would be very costly without it. So far I don't see anything fraudulent at all about Unified Life or The National Congress of Employers.