I am just now updating this review. I only became upset at his response after he was rude to me…read more Despite not being able to offer instance for pre-existing conditions at the time, this salesman was very rude and condescending on the phone. Even though this was 8 years ago, I still remember this phone call.

My review was suppressed on Google. Rick Young also disabled reviews for his Facebook and BizARate…read morepages. None of the posted reviews were anything like my actual experience with Rick Young. On 10-8-18, I inquired about health insurance from Rick Young. He gave me a Marketplace quote of: Blue Cross Select HMO Bronze 2018 plan = $21.33/month Lifesecure Personal Accident insurance = $38.20/month Out of Pocket protection plan = $35.28/month When I spoke to him again, he asked for information so that he could prepare an application. He also wanted me to give him payment information over my cell phone. I held off on providing my payment information. I wanted to talk to him in person first. Rick Young called me again during the weekend. He said that all he needs is payment information. I again told him that I don't want to give payment information over the phone & that I want to speak to him in person next week. Mr. Young wouldn't schedule an appointment. He told me to call him when I'm ready. I called other agents. The other agents explained that the Blue Cross Bronze plan quote for $21.33 was low. I would pay back any excess benefits I received at tax time. I was also told that the accident protection & out of pocket protection plans were unnecessary. The other agents also said they would meet with me rather than take my payment information over the phone. I decided not to get a plan from Rick Young. Rick Young contacted me on 10-23-18, though, to ask if I would accept his quote. I told him that I spoke with other brokers who told me that his quote was too low. When I asked what income he based the quote on, he based it on a figure that was $7000 less than my actual income from my new job. I pointed that out & said that I also have a part-time job that provides additional income. Mr. Young said there was a miscommunication. He provided a new quote of over $260 per month for the Blue Cross Bronze plan plus the personal accident & out of pocket plans. I told Mr. Young I would think about his new quote. I rejected it, then got coverage from another company. Mr. Young called me again on 10-31-18. I told him I had already gottten health insurance from another agent & that his last quote was too high. I also said that I had never had a personal accident or out of pocket protection plan before. Mr. Young told me that the coverage I obtained will be discontinued on 12-31-18, so I will need new coverage for 2019. He said that the quote of $260 was actually for a Blue Cross Silver plan. He can provide a Blue Cross Bronze plan for over $160. I asked why he didn't provided that price before? He said his staff gave him the wrong quote. He trusted his staff to do its job properly. I told Mr. Young that I would verify what he told me with the other agent. Mr. Young asked me to call him back. I talked to the other broker, who verified that the plan would end on 12-31-18, but that I can find another affordable insurance plan for 2019. I called Rick Young's office back during the afternoon on 10-31-18 & left a message with his secretary saying that I wouldn't accept any 2019 options from him. During the morning of 11-2-18, though, I got 2 e-mail confirmations that Rick Young had submitted 2 online applications for me for the personal accident & out of pocket protection plans without my permission. I called the 2 companies. I had the personal accident insurance application cancelled that morning. I had to wait till the following week on 11-5-18 to cancel the out of pocket protection plan application. When I called Rick Young, he told me that according to his notes he had offered the personal accident & protection plans to me. I told Mr. Young that I had never accepted those plans nor told him to submit applications for me. I also reminded Mr. Young that I had left a message with his secretary stating that I wouldn't get 2019 coverage from him. Mr. Young had nothing to say. I am surprised that he used information I had provided to submit 2 unapproved applications. I submitted a complaint against Rick Young with the Michigan Department of insurance at (877) 999-6442. I won't have anything to do with the Rick Young Agency again.