NBLA Gnashing Of Better Living Association NBLA I am on a Cobra plan. This company called me and offered me a plan to take care of all my worries and give my wife and I Health insurance coverage. DULUTH, Georgia

This company called our home and offered us Health Insurance coverage that would replace the Cobra plan I was using and save me half of my premium. He told me I could see any doctor I wanted, they would cover my wife's lupus medication and the medication I am currently on. $12 for Generic, 40% of cost on name brand. $10 & $15 doctor visits. They would work with all my doctors and hospitals and get me better rates then what I was currently getting with my cobra. To be honest, That should have been a big red flag to me. This guy had an answer for everyone of my concerns. I felt such relief that I finally was going to have great coverage that wasn't going to be running out in 6 months. I also asked him about their company being in Georgia and me living in Arizona. He brought up the fact that the President would be requiring all insurance companies to do what they were doing. Then he told me his company is doing the right thing now without being asked. He informed me that they had 11 insurance companies through out the United States that created a pool to make sure that they could cover every one including existing conditions. That any outstanding cost would be spread out to all 11 companies. He again referred to the President, that he would be asking all insurance companies to start to do what they have already started doing on their own. I feel like such a sucker and humiliated for not stopping this guy and looking up this company right then and there. He was very good at saying all the things he needed to say to comfort you and give the appearance of saving your day, as well as invoking Obama anytime it suited him to make his point. After reading all the news stories lately, it just made sense what he was telling me. He told me they had a formality of recording me saying yes to a few questions so they could pass it on to the 11 insurance companies, and we would be covered with no questions asked. He also told me that if I asked any question during this time that the lady would have to start all over from the beginning. I still asked the woman who was recording me about my wife's lupus medication, she informed me that it would be covered as well under this plan. She did not start over as I was told. Again I was relived that I was able to get that on a recording and they would not be able to get out of it.  Once I got the policy a week later, It wasn't anything like he had told me. Right there, plain as day it said I would not be covered for any medical  issues we had before signing up,for one full year. So, I was to pay $529 a month for one full year, without any coverage for my wife and I. I called the company, they told me that this wasn't a major medical plan, that it was supplemental to my current coverage. I told her I wasn't paying $6,348.00 for coverage, then hope to be covered after that as well. I explained how serious Lupus was as a disease. She told me she was sure no one mentioned I was covered for any current conditions my wife or I had. I told her about what the salesman had told me, she said it didn't matter what he said, only what was recorded. They said they would contact me after they listened to the tape. Now I hoping the tape has not edited somehow to take out my questions about my wife's medication. These people are very good at saying what the have to, to give you the sense that everything will be OK, That as a 11 company insurance company, I was in good hands... I'm sorry to say, I've been had, made to feel stupid, and taken advantage of. They have yet to contact me or remove the charge. I contacted my credit card company, "Discover" to help me with removing this bogus charge from my credit card. Now I'm back to square one with my cobra. Life isn't being very good to me right now. I don't know what I'm going to do now. It's such a helpless feeling to be left out and no where to go for help.... Please, please be careful when they call you. Don't get your hopes up like I did, only to be let down in the end, and what money you have left is in their pockets, and you without any kind of medical coverage. Thank you for reading this. I hope it will help you not make the same mistake I did.....