Let me preface this by saying that i was an agent for the company and i did very well my first year and a half. When you first start with the company they tell you that they are saving america with what they do.
And as a new agent who was very close with the divisional manager i believed this person. However, they are simply there to make money. The agents are fed a bunch of canned words to sell these products. They are told that it is full blown health insurance which is not true.
They are indemnity and specified disease and sickness plans. They literally will not cover you if you're illness is not on the list of illnesses that they cover. On top of this many agents will put products in addition to what they tell you is health insurance such as medguard, which is a cash critical illness or what is known as a money purchase plan and other various ancillary products like life insurance. When in reality it is just for the few who are in management to make overrides off of the many agents that they have.
They train their agents to tell clients not to worry about the Obamacare tax that no one has ever paid it. They also tell them that if they do have to pay it along with the really cheap premium that they quote them would still be less than traditional health insurance plans. There is some truth to that however the insurance that they sell is nowhere near enough to keep your assets safe. I had a client who was in a skiing accident and he broke his leg and had a surgery that cost $60,000.
After the in-network discount the insurance company only paid $20,000 leaving my client to foot nearly $35,000 worth of medical bills. What they do is take several blanket policies to try and help cover some of the misgivings that the policies have but it's never enough. They will tell you stories about how they have clients who were injured and actually made money because of things like medguard and that their hospital bills were completely paid for but this is just not the case for most people who buy their insurance products. I thought for the longest time that I was doing the right thing and helping people but when I started to research and actually think about what I was selling to these people I realized very quickly that it was garbage.
The main reason this company exist is to make money from the bottom up. A lot of Agents are told of the stories of the CEO Troy mcquaig and how awesome he is but in reality it's just a funnel for money to hit straight to the top few levels of management. There are roughly eight regional managers in the company all of whom make several hundred thousand dollars and their number one Regional Tarina McCants makes over a million dollars a year to literally do nothing. And then you have your division managers who makes several hundred thousand dollars a year as well as satellite division managers who also make over a hundred to a few hundred thousand a year.
Then you have what's called an FSL most of them make well over 100,000 a year and then you have field training agents who are the lowest level of management who make usually still over 100,000. And then you have a few thousand agents most of whom make less than $30,000 a year because their goal is not to grow agents, their goal is to create an agent turn to where they are constantly getting new agents in. There are the handful of Agents that do make a lot of money but the majority of them are being fed stories about the top few agents and how they can achieve their dream. The company simply exists to make money and not do what their slogan of helping other people everyday would suggest.
If you have any questions about their products please do not hesitate to ask as I promise you the lines that they will feed you will be too good to be true and will not protect your assets no matter what the agent tells you. And just to give you a quick synopsis of what the insurance will not pay for, it will not pay for yearly physicals yearly pap smears yearly prostate exams it only pays $10 towards generic drugs and $30 towards brand name drugs. So if you have a prescription that cost $375 a month and it's a brand name you still have to pay $345 a month. Also if something happens to you like let's say you get cancer six months after having the policy they will say that you had the cancer before and say that it was pre-existing refund you your premiums and you will be out of luck.
Just to give you an example I had a client who was young lady who's insurance premium through Blue Cross would have been $275. I put her on what they call a plan one Premier Choice because she was concerned about cost and her plan was going to cost her $118 a month. One of her medications however was over $400 a month. Ushealth group would only pay $30 towards her prescription.
But if she would have gone with Blue Cross her out-of-pocket costs for her monthly medication would have been $40.
So you see when you try to save money on the front end with garbage insurance you wind up losing money on the back end because it won't pay for anything. I apologize for this being long-winded and again if anyone has questions about their products please please please ask me and I will be glad to tell you as I was a guru at their product.
Product or Service Mentioned: Ushealth Advisors Health Insurance.
Reason of review: Not as described.