Heather O Ggv

So many, too many calls!

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I got online for a health insurance quote overnight. At 8 the next morning the phone calls (and spoofs) started for quotes. By noon I had 45 phone calls. Multiple agents told me all I have to do is tell them to put me on the do not call list. I did, but the kept coming. I finally asked why they were still calling, another told me I have to tell each caller that! It’s ridiculous.
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Reason of review:
Bad quality
Anonymous

DO NOT DEAL WITH THIS COMPANY

I have had 34 robo calls from the above company. One of their telemarketers actually threatened me saying "i am going to be your worst fu@#$% nightmare.". Then he laughed like a psychopath then hung up on me. I was polite and professional to every one of the calls asking them to take me off their call list. I called back the # and absolutely no one could help me. After Four calls, i finally talked to one "supervisor" who gave me a name, Jon Delani, and exp!ained he would be reprimanded. Fake name, fake supervisor. How does this company stay in business when they have "no knowledge" of what their employees are doing or saying. They are still calling, 14 times today. Now, looking for a lawyer!
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Cons:
  • Deceitful
  • Stay away
  • Agent lied
Reason of review:
Threat of harm!!

Preferred solution: Lawyer

Jacob M Ota

Beware of USHA

Ushealth Advisors - Beware of USHA
Updated by user Jun 22, 2019

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"...

Updated by user Jun 22, 2019

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...

Original review Jun 15, 2019
Has any one been contacted by Krista Grubb or a guy named Mason? I used to work under her and she had written a policy under me with out my knowledge?

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!
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2 comments
Guest

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.

Guest

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.

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Anonymous
map-marker Littleton, Colorado

Endless harassing phone calls at my work

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These clowns call every day, and if you indicate in any way you're not interested they hang up on you before you can finish telling them to put you on the do not call list. These people are the *** of the Earth and you should not ever trust them or give you their personal information. Threatening a lawsuit over their harassment slowed them down but now they've started again. This entire company and all it's subsidiaries and affiliates should face a corporate death penalty and have its assets auctioned for charity.
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Reason of review:
Poor customer service

Preferred solution: Disband your corporation and exile all your corporate officers to a barren island in the pacific

Anonymous
map-marker Tampa, Florida

Runnnnnnnnnnnnnnnnnnnnnnnnn

scam................................don't talk to them
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Lynn S Rhn
map-marker Northeast Tarrant, Texas

RIP OFF....LIES AND LIARS.....MLM SCHEME

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SICKENING....TOO MANY CUSTOMERS NEVER HAD MEDICAL PAID.
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Loss:
$30
Cons:
  • Dishonesty
  • Stay away
  • Liars and thieves
Reason of review:
many people hurt

Preferred solution: class action lawsuite

Josh B Nug
map-marker Richardson, Texas

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.

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Reason of review:
Insurance
1 comment
Guest

I can't tell if this is a complaint or not.

January L

Skeptical at first, but turned out to be a Godsend

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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.

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Pros:
  • Customer service
  • Made sure i understood completely
  • Well informed agents
Cons:
  • Premier choice is very difficult to get approved for
Reason of review:
Good customer service
bite m Tly
map-marker Virginia Beach, Virginia

STOP Calling me

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Updated by user Jul 24, 2019

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!

Original review Jul 24, 2019
I never requested a quote from this company or any company yet I am receiving 15-20 calls a day that I am blocking! They leave messages or text at least twice a day. Started on Monday and its Wednesday. I am sick of it!!!!
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Reason of review:
Poor customer service
Anonymous

Don't Do It

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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!!

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Reason of review:
Order processing issue
Anonymous

SPAMMMMMM Calls

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Calls and texts back to back in upwards of 30 times a day. Definitely a scam and horrible insurance. I am not sure how they got my number but its crazy.
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Reason of review:
Stop contacting

Preferred solution: Stop contacting or I will sue

Jacob M Cwa
map-marker Palm Harbor, Florida

Krista Grubb

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I felt like she was trying to sucker me into some bad insurance. I'll just stick with the marketplace thank you. She's power dialing and dropping texted with is a big no no. Her license should be taken away
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DaMario H

Current Agent of 3+ Years

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I am an agent with US Health Advisors. I'm writing because it bothers me to think that people believe that I feed my family off of a plan that is a "scam". My first thought is to respond by saying that every single client is supposed to receive written info regarding the policy 2-3 times before they ever make a single payment and if the client took time to read it then that would eliminate confusion. I really want to go a little further because in reality most people don't want to completely read the info because its long and boring. I'm not going to try to say that these plans are the best that have ever existed because I honestly don't know the answer to that question, but I know these plans are great for many people who are not comfortable with the options that they are finding online which is literally millions of people. Premier Choice is a zero-deductible true, but $0 deductible does not and has never meant $0 out of pocket. All that means is that there is no lump sum you need to pay before you get any benefits out of your plan not including any exclusions which all plans have. I talk to clients constantly that want the lowest possible premium no matter what I suggest. We do an online or in person meeting and they see the plan and corresponding prices and they are insistent on stripping the plan to get the premium down not thinking at all about how it's going to affect them when they actually do use the plan. Let's be real, some healthy people buy the plan that they want to pay for not necessarily the plan that they will need when they get sick. The agent’s job is to make suggestions, but the final decision always belongs to the client. In my personal opinion my most expensive plan is rock solid, and my cheapest plan is sufficient but not as comprehensive. It doesn't matter what company you buy from you have to buy the plan you want when your laying in the hospital bed or you need surgery. I'm not a manager or anything just an agent but always willing to HONESTLY answer questions or get you to the right person to answer your questions mario.holmes@***.com 404-891-****. My opinion is that there are no perfect plans. You have to decide what's most important to you and request that and then talk about how any gaps (if any) can be filled from there. If any one finds a plan within $100 per month of my offer that is not temporary and covers more than my plan does please let me know I'll buy it too!
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Reason of review:
Fair pricing
4 comments
Guest

Thank you. I completely understand where the advisors are coming from.

I'm currently talking to them about coverage for me and my family since my employer is now only offering Kaiser as an insurance option. :(

Guest

It would be nice for someone who sells insurance to admit that people in this country are being taken advantage of by the medical and pharmaceutical companies in this country and the cost of insurance is ridiculous because of it. Nobody should be extra just in case they end up in a hospital bed somewhere.

They should pay a reasonable cost for ALL services and the providers should be regulated so that could be possible. Please don't complain about people who are realizing how ridiculous these prices are.

Guest
reply icon Replying to comment of Guest-1610557

"Nobody should pay extra just in case they end up in a hospital bed somewhere", really? You can go to Canada or any other country with socialized medicine and ask how they like the coverage and treatment they receive.

You can go wait for hours to see a doctor, and if they don't get to you by 5pm... come back tomorrow. That's what government supported insurance will get you. On the other hand, you have US Health Insurance companies.

Like other things in America, you have a choice... If you think you're healthy and that you'll stay healthy, you get the cheapest plan you can find, but even that is too expensive because you believe you really don't need it. Then there are people who realize that accidents are just that, accidents. 2 out of every 3 people in the US will end up with Cancer, Heart Disease, Diabetes, Alzheimers, or any number of other things that can land them in bankruptcy or on welfare without proper insurance coverage.

We all get to decide how much we're willing to pay for protection. It's always a gamble, and you never know until you need it, or make it to the end of life and discover you never used it. Most reasonable people try to find a place in the middle where they're comfortable with the cost/risk benefit. Every insurance company is going to typically offer you a range of choices (Do you want a little, a moderate amount, a lot, or full coverage?).

There are those who will always believe they paid to much if they didn't use it, and those who will complain the coverage wasn't enough when they have a major outlay because they chose too little coverage. Government regulation and frivolous lawsuits have steadily increased over the past 5 decades of my life, and quality of care has decreased steadily. I'm not talking about regulations that say a drug or procedure should be properly tested, or that hospitals should have rules about keeping surgery rooms sterile, etc... The more bureaucracy you add to the health industry, the higher the cost of services.

Think of this analogy... Let's say you're an auto mechanic. A complete brake repair job for one wheel including pad replacement, new calipers, rotors and labor can cost anywhere from $300 to $800 depending on various factors. If all top-of-the-line parts need to be replaced, this can easily inflate to $1000+.

The average price is right around $450. Or maybe you have plenty of free time and it would cost you less to do it yourself. Great... But now let's say the government comes in and says, "There are too many accidents because not everyone has good brakes.

Therefore, we're making it mandatory that you have your car inspected regularly, and that you use all top-of-the-line parts, and Mechanics all need to go to 40 hours of continuing education training every year to be re-certified, and only certified Mechanics are allowed to do brake jobs. You are no longer allowed to "do it yourself" unless you can prove you have certification." What would regulations like that do to the cost of brake jobs? The "positive" benefit could be argued that this would create more government jobs. Great, but for the guy who use to do the brakes himself, it's just another mandated expense.

Maybe you don't drive your car a lot, or maybe you don't drive aggressively and wear your brakes down quickly.

But you would still have to take time now to go every year and have you brakes inspected. All this to say, look for as much or as little health insurance as you want, and like most things in this world, you get what you pay for.

Guest
reply icon Replying to comment of Guest-1610557

I am an RN and insurance agent. The true problem with health insurance is the medical system itself.

The system we have in the United States doesn't work well.

Then we get people in the government who think they can make a mandate to give all people- health insurance, sick already or not- and the system becomes worse- since the ENTIRE PRINCIPLE OF INSURANCE IS THIS- " To insure for unforseen events." It is tempting to place blame on the insurance companies when in reality it's everyone- the doctors, the pharmaceutical companies, hospitals and the public. We want the insurance companies to pay thousands of dollars if we suffer catastrophic illness AND we want it to cost us 2 bucks a month for the premium- Please, tell me- how am I going to give you your 100,000 dollars of chemotherapy like that?

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Anonymous

Unwanted Text Spam

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I received text messages from them at 5:00AM stating that I requested a quote - I've had the same insurance provider for more than 2 years, and never requested a quote from this company or contacted them in any way. I have no idea how they got my name or phone number.
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Reason of review:
Poor customer service
Anonymous

Disgruntled ex boyfriend

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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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1 comment
Guest

Trial... charges?

Could you please post a copy of the police report or any documents supporting your accusations?

The fact of the matter is Krista Grubb is a shady insurance agent and USHA should do their due diligence in investigating the matters I have stated. Please reach out to me USHA and I will provide any information I can to support the statements I have made.