US Health Group

Please do not use US Health Group for insurance! It is a scam! I am not sure how they can legally still be in business. Fortunately, I found this out before a medical emergency happened that would have left me in a terrible financial position.

Took my son for a wellness check and got a bill sent for $916.00! Every where I go they didn't take it. When I called to ask was the reason or what it covered they said max to cover a vaccine was $300.

The rep I got was such a wonderful boy! He was extremely kind to me and treated me with utmost respect which was very much appreciated. He also ensured that the process would be easy and indeed it was. The coverage was amazing and I'm a customer for over 2 years now.

I wish I had an option to give a zero rating. I enrolled on 11/6/2021, start date 12/1/2021 with a premium of $412.22 per month for a policy that allegedly offered 0 deduct. & $3k max out of pocket. I have detailed notes of my conversation with the advisor (Capolupo) & Screenshots of what was presented. It was odd to me he just shared his screen & didn't allow me to fill in my own coverage application. I signed up under the belief there was 0 deduct. & $3K max OOP. I also believed there was coverage for wellness (physical & well woman) exams after a 30 day wait period. I had both done by my respective physicians 6 month later & turns out, they only pd $245 for the physical & $35 for the lab for the pap. I now owe ~$700 for unpaid services. Turns out, it's "upgraded" coverage. Likewise, there are ZERO surgical benefits. Again, not what was represented.

First & foremost, I would have NEVER signed up had the Advisor not represented the plan I selected offered the 0 deduct & $3K max OOP. In my opinion, this company needs to be sued under the DTPA. Additionally, I requested my policy docs in Nov. 2021 & a copy of my completed app. Requests went unanswered. I requested them again in March, along with an ID card that I never received. Well, the ID card came in the mail in April, but no policy docs. I reached out to the Advisor by email again (July). No response... and again (July), finally a response that just denied everything & punted me to customer service. Finally, I got someone in customer service to send me the policy docs. Yep, I have wasted $3200 on crap coverage that is NOT what was "sold" to me and now I owe and additional $700 to providers. I have also discovered that, while I'm paying $412.12/mo., my premium is actually $349.27 per the Certificates of Coverage I received today (7/19/2022). When questioning the Advisor, he says "there's a $62.95 "association fee". That also was NOT disclosed to me. This company is lucky it hasn't been hit with a class action.