Complaint Review: US Health Advisors -
US Health Advisors Freedom Life, USHA, US Health Group Lies and deceptive selling practices Internet
*UPDATE EX-employee responds: Going to have to agree with Rick on this one
*Consumer Comment: Not Insurance
*UPDATE Employee: This person has no idea what she is talking about
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What a joke it was working for this company. I can't call it an insurance company because legally they can't even call their product "insurance". However, they train the agents to tell their prospective customers that they are enrolling in a Cigna PPO plan which is the furthest thing from the truth. Cigna is simply the provider network they use. They also tell the customers that it's a $0 deductible plan with a $3,000 max out of pocket but they fail to mention that it's a limited benefit health plan that doesn't cover pre-existing conditions and in order to utilize the out of pocket max you need to upgrade your plan to a different one with a highly inflated premium that is never discussed when you enroll. We were also trained to avoid the subject of a tax penalty that will be incurred for not having a qualified health plan. This penalty is still in effect for 2018. I didn't last long at this company simply because I was already licensed when I started and quickly realized they were scamming customers with complete disregard of the general public.
Their ideal agent is someone with no insurance experience and usually an individual with limited education and desparate for money. The majority of their managers barely have a highschool diploma and the few with college degrees have little or no work experience other than with USHA. Everyone is considered a 1099 subcontactor even though they slave drive you as if you were an employee. The company would never survive with W-2 employees because every typical HR infraction is violated to the extreme from drug use to sexual harassment. The company would lose at least half of its workforce if they had random drug screening. They try to impress newcomers by bragging about a so called Stevie Award that apparently the company wins from time to time however after researching the award, which has only been around since 2002, it's an award that you nominate your own company for and no other real insurance companies even participate in it. Heck, I even have a World's Greatest Mom coffee cup. Impressive isn't it.
Here's some other little known awards this company has accomplished: The company with the most suicides in the past five years, The company with the most drunk driving accidents, The company with the most divorces, The company with the most children in drug rehab, The company with the most families in therapy. What can you really expect to happen to the children though when you're not expected to have a life outside of work? When you neglect children of your much needed time, love, and affection how do you really expect them to turn out? How many USHA children are being raised by nannies, babysitters, or grandparents? Even some newborns are being abandoned too soon. There are some real success stories from this company though. A former addict that actually married their drug dealer found success with USHA. So I guess every cloud really does have a silver lining. I just feel bad for the kids. What's really sad is that everything written in this post is 100% true and anyone from that company that reads this knows it too. None of them however has the integrity to do something about it.
This report was posted on Ripoff Report on 04/13/2018 12:25 PM and is a permanent record located here: https://www.ripoffreport.com/reports/us-health-advisors/-/us-health-advisors-freedom-life-usha-us-health-group-lies-and-deceptive-selling-practice-1438577. 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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