Ushealth Advisors
Reviews and Complaints
So many, too many calls!
DO NOT DEAL WITH THIS COMPANY
- Deceitful
- Stay away
- Agent lied
Preferred solution: Lawyer
Beware of USHA
I will be filing complaints with all state and federal regulatory offices next week and we'll update this review with the results in the near future. USHA should be ashamed of themselves to hold profits over ethics. If what Krista Grubb says "they know it's not true"...
Well as expected USHA sweeps it under the rug yet again. If they did an investigation they surely didn't contact me to ask for any of the supporting evidence to my claims. Bottom line is consumers if you want to buy insurance from a company that allows their employees...
She did it just for a paycheck committing fraud against USHA with a trainee to make a paycheck. I quit when she stole a big commission that we were supposed to splitt under company policy. Ive seen first hand her not forwarding a cancellation email from a customer to customer service until she recievied her commission. The customer was billed because of the emailed that was held back by Krista.
Worst part was USHA swept it under the rug because shes a top produce. Usha should be ashamed that they support this kind of reckless behavior! I have unscrubbed lead list that I would be happy to share with USHA if theyre interested in policing their 1099 employees.
This list came after a email from the regional agent George P. saying dont use unscrubbed listed of you will be fired!
Endless harassing phone calls at my work
Preferred solution: Disband your corporation and exile all your corporate officers to a barren island in the pacific
Runnnnnnnnnnnnnnnnnnnnnnnnn
RIP OFF....LIES AND LIARS.....MLM SCHEME
- Dishonesty
- Stay away
- Liars and thieves
Preferred solution: class action lawsuite
Read before buying Insurance
Me and family have had ins with US health for 2 yrs now. In October son had inflamed appendix.
After all said and done owed hospital close to 10k. Well it only paid $445.00 that threw up a red flag according to policy paperwork I had and what was covered. I started going back looking over the last 2 yrs and here's what i found. There had been 19k in claims filled.
The provider (DR) gave 5k in discounts, Ins paid only $1,609 all together toward the 19k in claims. This ins was costing 1,120 a month with all the perks they say. In all reality ins was costing 1,620 a month when you break down claims. Wife called and discussed with ins company.
They told here all these claims fall in a dark area thats not covered. Funny how that happens darn the luck. So i called and was given the run around for 3 weeks about cross referencing claims. I performed my own cross referencing and sent to them and was still given the run around.
So as of today my policy was canceled. Im posting what i was sold so everyone can see its all great until you need it. Read this before you buy ins from this company. Please dont get in to the same mess I did with this company.
Expensive lesson learn on my part.
The Premier Choice--Premier Med. The Premier Choice is a sickness and accident policy that has a ZERO deductible then pays 100% up to the benefit amount. It will pay for 6 doctor visits per person per year and whatever that person does not use will rollover to the next year. It will also pay for 2 visits per person to a Urgent Care clinic and 3 visits per person to a Chiropractor.
The drug card has a ZERO deductible then is $10 for generic and $30 for brand. It will also pay for Lab, Testing, xrays, etc.. with a ZERO deductible. If anybody is admitted into a hospital or needs to have surgery the claim can be filed on the Premier Med Major Medical which has a $4000 deductible then it will pay 100% UNLIMITED!
However there are some supplements included that will pay your $4000 deductible for you..The Executive Diamond association has a $500 deductible then will pay 100% on any accident up to $10,000 and if the accident claim were to go over the $10,000 benefit they will apply $4000 to the $4000 Major Med deductible meaning on any kind of accident you will have a $500 deductible then it will pay 100% UNLIMITED. It will also pay $800 per day of hospital income if anybody is ever hospitalized. The Premier Choice will also pay $1400 per day which totals $2200 per day. So, on a 2 day hospital stay the $2200 benefit times 2 equals a benefit of $4400 which is used to cover the deductible on the Major Med.
This means on a 2 day hospital stay your out of pocket would ZERO with NO MAXIMUM ON COMPANY PAY OUT. Also, if you are in the hospital more than 2 days it will continue to pay YOU $2200 per day and you can use this money to help offset loss of income, business expenses, personal bills, etc..The Medguard critical illness will pay you a lump sum of money on DIAGNOSIS if anybody is ever diagnosed with 15 major illnesses such as cancer, heart attack, stroke, etc.. So lets assume someone is diagnosed with cancer or had a heart attack the $4000 Major Medical deductible is deducted from that benefit and you will get a check made out to you for the balance and you can use that money to pay business expenses, loss of income, personal bills, etc..or you can use it anyway they want to. There is also a small life insurance benefit on you and wife for $150,000 each and $15,000 on each child.
US Health Group is rated A+ by the BBB and the La State Insurance Dept and the underwriter Freedom Life has the same ratings. Also, Us Health was given the award of Top Insurance Company for 2016. With this policy you can go to ANY doctor and ANY hospital you choose, including Specialty Hospitals out of state. However, it is a PPO plan and uses the Cigna network which you can find at the bottom of my website to view doctors and hospitals!
I have been in Insurance since 1986 and this is by far the best coverage you can get. Please let me know if you have any questions.
Skeptical at first, but turned out to be a Godsend
I own a small business in Austin, Texas, and have been wanting to provide healthcare coverage for my employees for several years now, but every company I have tried to go through was just way too expensive for us. We had a small group presentation at my shop and decided to sign up.
The plans were tailored for each one of us individually and the thing I really liked was that it was a PPO. My employees now have dental, health and vision coverage, and I'm so incredibly happy that we are now covered should anything happen. I also read on this site that they do not employ licensed agents. That simply isn't true.
I called the Texas Dept Insurance and they assured me that all agents with this company are licensed and have to have 23 or 24 (I don't remember which) continuing education credits to keep a license with the state. I will say, though, my agent (Rebecca Privette) kept steering me away from the plans that I simply did not need, which I found admirable. She said she'd rather keep me as a happy client than sell me something I didn;t need. OH!
And we have access to a doctor/ nurse at any hour of the day! She called in medication without her having to go into an office (she videochatted with her and showed her throat and her temp).
Needless to say, we are very happy with our coverage and agent. Well, all but one employee. He didn't qualify for the Premier Choice, but this one is 'medically' underwritten and he had a health issue already.
Just do some research and talk to a few agents.
Find one you feel comfortable with. I know that Ms Privette will answer my call day or night and it feels like an old friend when we speak.
- Customer service
- Made sure i understood completely
- Well informed agents
- Premier choice is very difficult to get approved for
STOP Calling me
Going to file a complaint with the FTC and Better Business Bureau ... repetitive calls and texts from multiple numbers.
Asnswered one call and told them to remove me from the list and that I am not Denise.
Still continues calling me. Screw this company...scam!
Don't Do It
Don't waste your time! They denied my application because I once had taken a prescription medication and had physical therapy.
Their underwriting process is a joke, there is no medical science behind their decision process, if you let them (and Don't Let Them!) see your medical record they will do word searches and compare with an administrative check list using medical terms they do not understand, no followup for clarification, and just deny you.
This is also age discrimination because the older you are the more words they use to deny you with.
They say if you come down with anything that you didn't tell them they will deny coverage (good thing I got denied), based on their business practices if i skinned my knee at age 8, and forget to mention it I will be denied coverage.
Plus they try to up-sell you with stuff, and I mean a lot of stuff that is not really insurance which adds to confusion as to what you are getting.
It takes them forever to give you a response with no consideration as to your current coverage expiration. All said and done they will leave you SOL.
THEY WILL WASTE YOUR TIME, GET OUT WHILE YOU STILL CAN!!
SPAMMMMMM Calls
Preferred solution: Stop contacting or I will sue
Krista Grubb
Current Agent of 3+ Years
Unwanted Text Spam
Disgruntled ex boyfriend
The below review by Jacob Moon re: Krista Grubb is completely untrue. Jacob is currently awaiting trial for harassment and stalking charges. I apologize for the unprofessionalism of these posts, unfortunately his post could affect my business if not addressed.
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I am an exboyfriend. That's exactly why I know this info to be true and correct.
I worked with her until she stole my commission so I've seen the shady business practices first hand. She treated me exactly like she treats her customers.
She uses them for everything she can get and tosses them aside. I would be happy to answer any questions regarding this matter.
This is completely untrue and is written by an ex boyfriend with mental health issues. I apologize to anyone reading this for the unprofessionalism. It is completely embarrassing, and I am in legal process to have it removed.