Is multiplan medical insurance a scam?
Beware, i received a call from multiplan offering to give me
fantastic insurance, and they used a serious hard sale tactic. I
felt pressured to purchase the insurance, but i canceled the policy
before it processed. I called multiplan to cancel it, and they
questioned why i wanted to cancel the insurance, gave me a serious
attitude and yelled at me for not wanting to keep this insurance. I
have never been spoken to that way by anyone in any company. I read
that they are very unethical. I also contacted the bbb and they are
not accredited by the bbb at all. Do not trust multiplan.
Beware!!!!!!!!!!!!!!!!!
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Another View:
The impression that one has about their insurance plan usually
is a result of whether or not they understand how the plan works
and what it covers, and how claims were handled. All insurers make
mistakes, and it is impossible to say, based on the bacts that you
have related, whether there were mistakes.
As to high pressure sales tactics, that may have been your
experience or perception. You would be well advised to find out the
name of the salesman's supervisor-or higher in the company, and
explain your experience. While the salesman is paid based upon
sales, it does not do anyone any good to leave a trail of bad blood
by using hight pressure. Most insurance salespeople rely upon
referrals to make future sales.
Most importantly, you must determine who is financially
responsible for paying claims. It may be that "MultiPlan" is a
product name-not the name of the insurer. You need to determine the
insurer(s) behind MultiPlan because it has the ultimate financial
responsibility to pay your claims. Then, determine if that company
is authorized to transact insurance business in your State by
contacting the Insurance Commissioner in the State Capitol. If you
are having actual trouble with getting claims paid, contact the
Division of Consumer Services (or similar name) at the Insurance
Commissioner's office. If the agent who sold you the plan
misrepresented the benefits of the plan to you, there will be a
department in the Insurance Commissioner's office to which you can
complain (it may be called something like the Division of Agent and
Agency Services).
It is irrelevant whether they are accredited by the Better
Business Bureau. While that may provise some comfort, getting
accreditation is voluntary on the part of the company. It would be
more significant if the company had a negative BBB rating.