underwriting firm for health insurance, nothing under $300 per month. In November they might help me but not now. Need a life changing event to put me on insurance under that amount even though I have no coverage. Not true. And an underwriter can write me and guarantee rate and coverage, also not true. Only an insurance company can underwrite and guarantee a policy. Wants a policy price range while checking 27+ companies? A real agent checks the coverages you need and then tries to get them in a policy in a price range you can afford but more importantly with your doctors and hospitals close to your area. These guys are not exactly rip offs but you would do way better buying insurance directly from the companies themselves. My best guess, and I used to work for United Health Care, they are ripping off fees. Group PPO program, in an open enrolment period, $7,500 deductible, $150 enrolment fee, $408 monthly. Co insurance is 80%/20%. You hit $8500 out of pocket before you get coverage, some company called Companion Life (A+ plus company that writes Blue Cross Blue Shield), $50 co pays for doctors and emergency rooms. Exclusions pregnancy and substance abuse treatment. Needed VISA or MASTERCARD right away without any approval from insurance company. They are ripping off credit cards for money! Everything he said about coverages under Obama Care sounded right until you check exactly what he was saying and you realize it is a boiler room ripping off consumers. He is giving me a group plan enrolment, which is illegal, wouldn't say which group, would not send any info for me to look over, but instantly wanted money. DO NOT TALK WITH THESE PEOPLE, THEY ARE SCAMMERS! I called the insurance company they gave me and guess what? Companion Life is licensed in 45 states but NOT CALIFORNIA! Also, no policy they issue fits this coverage parameter. Run Run Run.
In the last 2 days this # has called me 20 times I have it on my log usually I ignore. Today it's been 5 times I just decided to answer good old Jason called me by my first name and talked like we were best friends. Advised him i'm not interested to quit calling continued to talk over me I told him to shut up and just kept going apparently he hasn't heard of do no call list.