Third quarter (not archived)

This company advertises on TV. August 24th,2007 .Out of 10 indicators of deception listed below this company has 1,2,3,5,6,8,..That's 6 out of 10 indicators of deception. Use extreme caution and common sense if you approach this company.

Indicators of a deceptive company.

1 The coverage cost around 25 % LESS than the norm

2 The plan readily accepts people with serious illnesses and other meicl onditions that orner plans normally reject.

3 The insurance has few or no underwriting guidelines

4 You're approached by an insurance agent, phone or direct mail. Honest groupsplans normally are sponsored by your employer-and aren't sold directly to individuals.

5 The plan isn't licensed in your state, and the agent (falsely) assures you the federal ERISA  law exempts the plan from state licensing.

6 The plan seems like indurance, but the agent or rep avoids calling "insurance" and instead uses evasive terms such as "benefits"

7 The agent or re dosen't have clear answers to your qutestions, seems ill-informed, or  avoids sharing information.

8 You've never heard of that health insurance company-and nobody else has either.

9You have to join an "association" or "union " to obtain the health coverage. But you get no voting rights, receive no bylaws or other material.

10 Your hospital keeps calling you to complain that your health plan isn't paying your bills.

There are many fradulent advertisements to lure the consumer into buying a worthless  policy.  The 10 tips below will help you make a wise and educated decision when buying "Health Insurance".

1.  If the coverage costs more than 25% or more below other policy's and promises "extra coverage" use caution.

2.  The program accepts "pre-existing conditions".

3.  The policy has very relaxed under writing guidelines.

4.  The company has not been issued a State License

5.  You were introduced to the company by direct mail or internet ad's, phone call (telemarketers)

6.  The plan has more death benefits than hospital care. It most likely is an "insurance policy.

7.  The "agent" or "rep" has trouble answering your questions. Delay's in returning with answers. Vague answers from agent.

8.  You never heard of the company.

9.  You have to join some type of association to obtain coverage.

10.  Your provider's (hospitals and doctors) keep calling telling you that bill's are going unpaid.

USE COMMON SENSE AND LOGIC.  CHECKING  OUT THE BACKGROUND OF COMPANIES WILL TAKE A FEW MINUTES AND SAVE YOU THOUSANDS OF DOLLARS.

How can you trust an Insurance company?

The concept of Insurance is a great idea. Everyone need insurance of some type. Unfortunately ther are a lot of scams that permeate the insurance industry. I can understand that the bottom line of any business not just the insurance business, is to make money. What is deploralbe is the underhanded methods that some companies use that affect people who really need a specific type of coverage like Life or Health insurance.

Advertising to a group of desperate people with deceptive tacticts is unforgivable. There is an advertisement that is being faxed to individuals and businesses that states :

"enroll in our health program for $89 per month. Pre-existing conditions accepted.  Prescriptions,Vision ,Hearing Dental. You will never be singled out for a rate increase or cancelled." and a host of other benefits. Study the actual ad for a couple of minutes because you will be asked a question.  There are no less than 9 indicators of deception in this ad. The question is Whats the con? How is this ad going to cost you money? Answer: This is a "Call me scam". See dictionary or Your CD for the other 8 indicators of deception.

Now,why does this scam work. Most likely you took the time to analyze this ad because you are on your toes and were looking for deception. That's the point of this site. The average consumer is not stupid. They are always to busy and cant see the forest because of the trees. It is a fact that the human being will not hear what is said nor read what is written. All individuals guess at writing or subconsciously fill in the blanks especially when in a hurry. Thats what these scumbags are counting on. A desperate person will see and hear what the subconscious tell them to see or hear. Prove it to yourself.

Did you know that your credit rating determines the premium you will pay

Did you know that insurance companies monitor your food buying habits so they can raise your premium. to be cont'd

*****************

Reality?

You walk into a shoe store to buy a pair of shoes. After carefully selecting the "perfect" pair you go the the cashier to make payment. The cashier politely says to you "i'm sorry, but in order for you to purchase these shoes you MUST purchase a pair of work boots withs  matching socks, cleaning solution, polish and a pair of house slippers.  What would YOU do?..(SEE "take ACTION").