Protective Smart Health Select - Selective Health ripoff, fraud, scam Boca Raton Florida

Just wanted to let you know that one of their representatives called me today stating that he was responding to an internet inquiry I made regarding health insurance.

Besides telling him first off that I had a cardiac stent 2 months ago and if I was disqualified I wouldn't waste his time or mine, he said there were no pre-existing conditions. My next question to him was is this a health insurance plan or a discount plan. He said it was health insurance and quoted me the following: $159.94 per month which includes unlimited doctor visits, no co-pay, ER/Hospital 1st $2,500 at 100% and 70% thereafter and $300 per day payable to me per day per inpatient hospital stay.

In addition, he gave me the info on the RX plan, $10 co-pay for generic, $20 co-pay for name brand and $40 co-pay for formularies. He also stated that the rate and benefits were guaranteed for 5 years. He stated that the dental and vision portion was a discount plan. I restated by understanding being very specific as to what part was insurance: Doctors, Hospital, ER and RX and the discount portion was the dental and vision. He stated that that was in fact the case.

When we got to the verification process, I understood the recording to say that the plan was a "discount" plan and James, the representative in the verification department put me back to Scott because I stopped the verification process because I was unclear about the wording and what I was really paying for. Scott again told me that the Doctor, Hospital, ER and RX was a health insurance plan.

After hanging up and trying to find the website he gave me which was bogus, I tried calling the customer service number (1-888-811-1233). Apparently it was closed. I called the number on my caller ID which was 561-314-0854 and had to leave a message - message stated it was after hours although this "Scott" person said he was there until 10 pm eastern time at 1-800-730-7315. No answer. I subsequently contacted my credit card company and will be canceling the charge.

Watch out for the fast talking sales people. Don't get sucked in!

Cynthia
Pelzer, South Carolina
U.S.A.