IF YOU WANT TO AVOID BEING SOLD A PLAN BY MISREPRESENTATION, STAY AWAY FROM USHEALTH GROUP!!!…read moreI wish I could give a zero star rating. I am a 26 year old professional, recently graduated with an MSc and working to be admitted to law school. I am currently employed with a company that offers partial reimbursement for health insurance. I found USHealth Group through the marketplace, and was connected with JENNIFER STONE the same day. Having been insurance-less for nearly a decade, one could say I wasn't well versed on the subject. I realized that my lack of knowledge would likely be apparent to any salesperson I spoke with. When I was on the phone with Jennifer, I made a point to express my concern about potentially being taken advantage of. I told her my budget, and she immediately offered me a plan that was nearly 200% of my budget. I took ample time to consider the cost of this plan. I was assured by Jennifer AND HER SUPERVISOR that the very most I would pay for any generic prescription would be $8-$12, and that all of my doctor's visits would be covered, plus 6 specialty visits per year. I felt uneasy about the cost, so I spoke with Jennifer on two separate occasions to be sure I was fully understanding my benefits. Every question I posed seemed to be answered in ways that justified the price, so I followed through.
Now we fast forward to my first dermatology visit. After the visit, I owed the office $6. I thought "Hmm, that is strange, but what's 6 bucks?". Later that day when my prescription was ready, I went to the pharmacy, only to be met with a $217 bill for the very necessary medication I was seeking. I thought "Oh no, there has been a mistake". I reached out to Jennifer, and her idea of remedying the problem was to offer me a goodrx coupon. I strictly told her that did not resolve my problem, and that she needed to figure out why my prescription was not $10 like she AND HER SUPERVISOR had told me days before. Her search for answers was inconclusive. I started considering cancelling my plan, but felt stuck because if I were to cancel, I would not have coverage for other doctor visits.
This past weekend, I had an appointment at the gynecologist. I was turned away for an incredibly important cancer screening after my OBGYN office tried to add my USHEALTH GROUP insurance to my profile, only to find out that the treatment I was set to have that day was considered an "exclusion" of my plan. Now, let's backtrack to the conversation I had with JENNIFER STONE AND HER SUPERVISOR so that I can accurately convey how frustrating this was. I had made sure to thoroughly question the benefits of the plan, asking what kinds of services were included, and specifically inquiring about common procedures/treatments I anticipated having. Jennifer and her supervisor BOTH assured me that gynecological exams, tests, ultrasounds, biopsies, blood draws, ETC would be covered. Again, this is one of the big reasons I agreed to sign up for a plan that was double my budget.
After I was turned away from this appointment, I called Jennifer (who up until this point, seemed quite inclined to help). She did not answer her phone, so I left a voicemail. I stated that I felt manipulated and taken advantage of, and reminded her that I AM A HUMAN BEING, NOT JUST A WAY TO MAKE COMMISSION. She did not return my call.
The next day, I attempted to get ahold of her again through text message. I noted that I had given her 24 hours to respond to my voicemail, and that she could expect a full review of her dishonest, unethical approach to insurance sales. She simply told me to file a claim.
Jennifer Stone and her supervisor are incredibly unethical in their practice of selling health insurance. It is glaringly obvious to me that she saw an opportunity to sell me an expensive plan that did not fit my needs, LIE to me about the benefits, discard my very real concerns, and ultimately regard this "successful sale" as just another notch in her belt.
IF YOU DO NOT WANT YOUR HEALTH COVERAGE TO BE USED AS MERELY A TOOL FOR AN AGENT'S PROMOTION, AVOID USHEALTH GROUP AT ALL COSTS, AND ESPECIALLY JENNIFER STONE!!!!!!!!!!!!!
