they been takeing 39.00 out of my account I didnot aplly for that to take some money out my account if youdo not STOP takeing moneyout my I will I will go to BANKand you have pay my money back.PAULINEOrdoyneAnd Inot playing.so you better STOP now.

Like many of the reviews below, I was let go from my company of 5 years and needed my own health insurance. I had tried all the major companies and to save myself some money I thought I would get a plan from US Health Group. I applied on a Saturday, after hearing it was the final day of the "open enrollment" period to get the plan when I needed it buy. I waited until Tuesday to call and confirm my policy had been accepted since I had not received a confirmation email like the sales person, Jay, had told me. When I called at 11:40 and 1pm, the woman who answered the phone told me that everyone in the customer service department was 'out to lunch' and that they would give me a call back.

I called my credit card company to state that I was scammed and did not know what I was getting myself into.
Please be smarter than I was and DO NOT get a policy with US Health Group!!! Also, I did some more research after my ordeal and found a great article on the Consumer Reports page: http://www.consumerreports.org/cro/magazine/2012/03/junk-health-insurance/index.htm

My husband and I signed up for this "insurance" in preparation for having a baby. The agent told us that maternity would be covered to some extent by the company negotiating the fees with the doctor's office and hospital. I also have pre-existing conditions that require meds that he said he was familiar with and they would be covered. When we got the packet in the mail after signing up it clearly stated in the long list of exclusions that routine maternity care and all fees would NOT be covered. Also the meds he was so familiar with that would be covered (and were our greatest worry because of there high cost) were not going to be. We found out we can get a better deal paying cash for everything! My problem now is that the cancellation form that was suppose to be included in the packet, is not there and I am trying to figure out how to cancel this garbage as quickly as possible!

Hi Ellen, The insurance card will cover $10 off of your generic prescription, so if your prescription cost you $100 it will now cost you $90. My screen name is "Ripped" off Rotator if you would like to read my comment. Also scroll up to read the other comments. There is nothing good about this insurance, the agents that sell it lie. Do not use your card or you will not be able to a refund of your first payment. Hope this helps, I was told by my physician to stick with insurances that are reputable, such as Aetna, or Cigna.

I just signed up today. I have been on COBRA and it's quite expensive. Having no deductibles sounded very good. I'm confused about the prescription coverage. Does it pay the cost of the medication minus $10 that I have to pay or is it the other way around in that they pay $10 and I have to pay the rest of it. The agent was rather confused about things and vague in her answers. This sounds SO good and I want it to be legit, but what should I do? Call and cancel tomorrow? HELP!!!

IF YOU ARE CONSIDERING THIS FOR MEDICAL INSURANCE PUT YOUR COMPUTER DOWN AND BACK AWAY SLOWLY!!! Just dropped this insurance!!! Started when I was online looking for health insurance. I have a pre-existing condition and am on VERY expensive medications. After searching for quotes online I was contacted by an agent for this company. I was cautious. Probably talked to them 5-6 times before I agreed. Paid $313 for my monthly payment and $99 one time enrollment fee FYI enrollment fee is non-refundable. Received my benefit packet in the mail and nothing is the same as what I was told. I was told that Cigna would be my Health insurance provider, nope. I was told that CVS Caremark would be my Prescription Plan provider, nope. I was told that ANY medication would be covered and my cost would be $10 or $20 depending on generic or brand name. HA!!! The packet says either the $10 or $20 or 50% which ever is greater. My meds are thousands of dollars so obviously that won't cover them. I just talked to the prescription provider and they aren't even covered and there is no way to get them covered!!! They will only cover $300 a year for labs, x-rays and diagnostics. I have an annual MRI, yea right.
The only thing good was when I called to cancel the representative I spoke to was kinda whispering telling me other sites to go to to get assistance with my medications.

What a rip off! I just dropped USHEALTH GROUP/FREEDOM LIFE! I recently lost my health coverage at my employer of 10 years due to cut backs. So I was shopping for a health insurance that would help me with my torn rotator cuff, knowing that I needed surgery and I was very clear to the sales agent of my condition. After talking to the surgeon I found out that only $2000 of the surgery will be covered for all of my medical needs for an entire year by USHEALTH GROUP/FREEDOM LIFE . Just the orthopedic surgeon alone will cost $25, 000! I was told very clearly by the insurance agent that I would have no worries, no co-pay for surgery and that at least 40% of the operation would be covered. After getting only $10 off of my one generic prescription which cost me $88, only $50 off of a $250 Ortho co-pay and was now told that USHEALTH GROUP/FREEDOM LIFE also denied an M.R.I. which I payed $500 out of pocket for.
So I hope this might help someone that is in my shoes and is new to the health insurance shopping world. I'm an honest tax paying middle class male and I once again have learned the hard way and I'm out my $115 joining fee and one $264 monthly payment.

I am loosing my job May 25th so was looking for health insurance for myself and my husband. We both have pre-existing conditions and I was told by BCBS that I will not get health insurance anywhere I will need to pay Cobra until I am 5 years cancer free. When I got this phone call I thought WOW this is great only $499.00 a month 100% for everything, 60% dental and eyeglass. Kaylia her name was also told me I would get $15, 000 life insurance policy throught MetLife, $50, 000 accidental death insurance and IF my cancer came back or I had a heart attach I would get a check for 10, 000 no questions asked. She wanted to take a payment right then but after watching a TV program recently I was a bit uneasy. I told her I wanted to call my doctors office as she said he excepts the plan to validate they have had people use this coverage. Her tone seemed to change at that point. I will be calling her back today.

I was looking for a health insurance and I was contacted by a fast talking broker or agent who offered a seemingly affordable health insurance. Without hesitation I gave him my debit card information. After the effective date I went to see a doctor and they decline to pay the portion of the payment that was promised by the agent or broker who contacted me first, then when they send me the scheduled benefit health plans many important coverage were not available and for some benefits there is only one day benefit per calendar year. It was a case of misrepresentation. Before I filed a complaint to the department of insurance in the state I live I was contacted from their collection department notifying me that my coverage is temporarily suspended. At one point I was directed to a third part who told me they are not a part of this health insurance company and could not answer any of my questions. So, I really don’t like it and I am in the process of filing a complaint to the Department of Insurance to get my initial payment back.
M.G.

Has anyone signed up for NBLA Insurance, And Then when it IS time to get it they change it to WAS Insurance