On 7/25/17 I called State of Texas for assistance on finding a medical plan(I am now wondering if he was even a representative of the State of Texas Insurance). I spoke to Samuel Wood Lic# W351927 (now doubt this is even a valid Lic#). 888-591-3185 (is the number Sam provided - Should I have any issues or needs, when I call it today it goes straight to a voicemail service)
Much of the same details as other reports.
The Plan I was sold was as follows:
PPO with PCD of $25 copay.
Hospital Admitted 70/30. (Patient pays $150 per day)
Surgery Same 70/30 $0 deductable (Patient pays $150 per day)
Perscription is not Insurance but a discount plan. Generic $4-$10, pays 85% of most name brand drugs
Dental - 70/30 $0 deductable / 100% for Cleaning
Vision 60% off
Was advised that H I I (Health Insurance Innovation) is a subsid of B C B S of Texas.
Plan was for 1 year (Aug 2017 - Aug 2018)
I was offered full refund after 30 days.
I too was transfered for a "Review of the Offering" that was to be recorded. I was prompted to answer with YES or NO and if I had any questions to save those till I was returned to Sam, otherwise they would have to start the recording over. (nice trick)
I have contacted Chase / Visa to initiate the dispute of charges & block any future charges as well as H I I to terminate the crapy coverage.
My 20 year old daughter has just discovered she is pregnant and we called to verify benefits. this is when everything came to light.
We had been to the doctor only 3-4 times each time was $50 copay. I thought I misunderstood the copay. Clearly the misunderstanding was due to intental conduct!
I spoke with a Representative named Justin several times regarding this Insurance Coverage. He explained the Entire policy to me, as I was asking all types of questions as to what is and is not covered. He told me that Everything I asked about was covered.....Allergy shots and serums, Allergy testing, Pre-Existing was covered, I would have no DED and my PCP Copay and I would have a Specialist Copay. I explained I had been "taken and lied to before regarding Health Insurance", he Insisted this was an Excellent Plan and he even had a Form of the same insurance. The RX Plan was a Copay system and NOT a Discount Plan. Well, then I had a 30 Day waiting period, so afterwards I went to the Doctor. I then received bills from the Lab to the Office Visit ranging from $150.00 to over $500.00!!! I was and AM Furious. I called Customer Service and they told me that NOTHING Justin had told me about the Insurance Policy was Accurate. I have a Deductible and a Discount Pharmacy Program which pays Nothing! I take Several Medications and am a Diabetic. The Insurance rep had Lied to me about Everything! I have worked in Health Insurance and HealthCare for over 35 years so I Know what questions to ask. There was Nothing that I Misunderstood! I was Lied to and Ripped off and then Unified told me it was too late to do anything about it OR to get my money back.
Unified Life Insurance Company Reviews
On 7/25/17 I called State of Texas for assistance on finding a medical plan(I am now wondering if he was even a representative of the State of Texas Insurance). I spoke to Samuel Wood Lic# W351927 (now doubt this is even a valid Lic#). 888-591-3185 (is the number Sam provided - Should I have any issues or needs, when I call it today it goes straight to a voicemail service)
Much of the same details as other reports.
The Plan I was sold was as follows:
PPO with PCD of $25 copay.
Hospital Admitted 70/30. (Patient pays $150 per day)
Surgery Same 70/30 $0 deductable (Patient pays $150 per day)
Perscription is not Insurance but a discount plan. Generic $4-$10, pays 85% of most name brand drugs
Dental - 70/30 $0 deductable / 100% for Cleaning
Vision 60% off
Was advised that H I I (Health Insurance Innovation) is a subsid of B C B S of Texas.
Plan was for 1 year (Aug 2017 - Aug 2018)
I was offered full refund after 30 days.
I too was transfered for a "Review of the Offering" that was to be recorded. I was prompted to answer with YES or NO and if I had any questions to save those till I was returned to Sam, otherwise they would have to start the recording over. (nice trick)
I have contacted Chase / Visa to initiate the dispute of charges & block any future charges as well as H I I to terminate the crapy coverage.
My 20 year old daughter has just discovered she is pregnant and we called to verify benefits. this is when everything came to light.
We had been to the doctor only 3-4 times each time was $50 copay. I thought I misunderstood the copay. Clearly the misunderstanding was due to intental conduct!
I spoke with a Representative named Justin several times regarding this Insurance Coverage. He explained the Entire policy to me, as I was asking all types of questions as to what is and is not covered. He told me that Everything I asked about was covered.....Allergy shots and serums, Allergy testing, Pre-Existing was covered, I would have no DED and my PCP Copay and I would have a Specialist Copay. I explained I had been "taken and lied to before regarding Health Insurance", he Insisted this was an Excellent Plan and he even had a Form of the same insurance. The RX Plan was a Copay system and NOT a Discount Plan. Well, then I had a 30 Day waiting period, so afterwards I went to the Doctor. I then received bills from the Lab to the Office Visit ranging from $150.00 to over $500.00!!! I was and AM Furious. I called Customer Service and they told me that NOTHING Justin had told me about the Insurance Policy was Accurate. I have a Deductible and a Discount Pharmacy Program which pays Nothing! I take Several Medications and am a Diabetic. The Insurance rep had Lied to me about Everything! I have worked in Health Insurance and HealthCare for over 35 years so I Know what questions to ask. There was Nothing that I Misunderstood! I was Lied to and Ripped off and then Unified told me it was too late to do anything about it OR to get my money back.