US Health Advisors and US Health Group are the same company. Reached out to them because looking for an alternative to Obamacare as my premiums keep climbing.
At first I was very interested but then I sat down for a presentation that they do online and something didn't feel right. They walk you through this very confusing series of documents which they keep telling you are better than Obamacare. What made me suspicious. First he wouldn't really answer my questions, he just kept saying they would be answered later in the presentation.
RED FLAG They promise you an upfront payment if you get something really serious like cancer but then are really fuzzy on the back-end. RED FLAG There are multiple components to this health plan and you have to carry additional insurance to pay for everything else. None of it was really explained. RED FLAG He spent much of the time telling me why Obamacare sucks.
RED FLAG When I first spoke with him I told him what medications I was taking and he said there would be no problem qualifying. Then we went over their offer suddenly he wasn't sure that I would qualify and did not seem to have any record of what I told him in the first place. RED FLAG They tell you it's a major medical plan but are vague on what the second part of it covers. RED FLAG They have some sort of association (few details) that makes this particular plan even better.
RED FLAG The first section of the plan which they tout as wonderful for all who are healthy basically covers wellness which Obamacare mandates anyway. RED FLAG They don't give you anything in writing until you have signed. BIG RED FLAG There is more but you can see where this is going. What they do not tell you.
Their plan is not an approved health plan under Obamacare so you end up have to pay the annual penalty for not having insurance. They really don't cover everything at all and there are all sorts of formulas that get them out of paying for certain things. They promise you Cigna's network which is one of the weakest in the country.
There's more but you get my drift. Steer clear.