JJ p.

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.