Comments on: Mega & NASE health insurance question

By: Rasheedah Hasan

Rasheedah Hasan — Mon, 01 Mar 2010 12:27:07 +0000

A few years ago I was searching for a new policy for my parents who are both self-employed. As you can imagine, the premiums are not nice for the self-employed or small business owners. In any event, after many discussions and lots of google searches, I came across a MEGA rep. She visited with my mom and dad and seemed so very kind and sincere, having shared some of her own experiences. My parents are generally healthy and they were most interested in preventive care, not so much the major medical. In any event, after a year of ever increasing premiums and what amounts to thousands of dollars in medical bills, my parents learned just how terrible MEGA coverage was. Finally, in summer of 2009 my mom dropped their coverage and was able to get insurance elsewhere. My dad soon followed in August. I learned they had started to debit under 2 separate entities. So, I called them to cancel both. I will spare the details of how I got the one account to finally stop drafting. Unfortunately, after several attempts in 2009, I am still attempting to stop them from drafting for a policy my parents no longer have. Their business ethics leaves quite a bit to be desired.

By: athena la roux

athena la roux — Tue, 23 Feb 2010 14:01:14 +0000

that agent is registered with the state.check your state insurance dept.
Not sure if NASE requires E&O insurance, but solid companies do. I carry two policies.
the agents are lied to in training, so when people cancel, they get that commission taken back. The agent is liable if you had a LOSS that was explained as covered.

By: Scott

Scott — Mon, 15 Feb 2010 18:51:43 +0000

I really can’t give legal advice, but I know how you feel, i’m sorry…

By: Asim Zubair

Asim Zubair — Fri, 12 Feb 2010 16:33:07 +0000

Dear Scott:
I have cancelled my health insurance policy but i would like to go after the agent with a lawyer and make her pay out of her pocket for the scam policy that i thought was good. Any ways on how to approach the agent who sold me the Scam policy since she is liable for the claims issued against that policy. Please let me know.

By: Victoria Fuller

Victoria Fuller — Sun, 24 Jan 2010 09:55:16 +0000

Mega Life and Health Insurance Co, is a scam. Peggy, The same thing happened to me. It is the worst coverage that anyone could get. They take your money and give very little coverage. The agents Lie, or are ignorant and just tell the clients that they sell to what they are told by Mega Life. They never told me that the deductible would renew every several month, which means that you never ever really meeting the deductible, so you end up paying the full amount. There are many law suits against them, yet they continue to practice their deceptive practices. NASE is a false front to get people to think that they are part of a group getting discounted health insurance when in fact it is just a marketing branch of Mega Life.
This Insurance company is run by Con Men. I now have real health insurance coverage by a reputable company. I suggest everyone quit Mega and do the same.

By: LEONARD ACOSTA

LEONARD ACOSTA — Sat, 23 Jan 2010 13:00:45 +0000

I AM ATTEMPTING TO TAKE THE NATIONAL ASSOCIATION TO SMALL CLAIMS COURT IN CALIFORNIA, BUT ARE UNABLE TOO CAUSE I CAN NOT FIND ADDRESS FOR THEM IN CALIFORNIA, CAN YOU HELP ME? AND FURNISH ME WITH CONTACT INFORMATION, THANK YOU FOR YOUR CONSIDERATION AND TIME. LEONARD ACOSTA

By: Peggy

Peggy — Thu, 21 Jan 2010 23:47:06 +0000

I too have Mega policy since Feb 2006 (Feb must be a big ins sign up month eh?) Like others here – I needed the insurance for doc office visits, prescriptions, dental, vision, and the ol just in case hospital coverage. What a rip-off and I am canceling finally this month and hope the auto deduct (which they require period) doesn’t happen this month as I can’t afford it. The agent lied/misled me as well – i didn’t realize all this till read your blog recently due to Assurant reps crawling out of the woodwork to sign me up and soliciting me by phone. The prescription coverage sucks. The doc office visits of which I also bought a rider only pays about $40 twice a quarter and the office visit fee is $120 – that and some dental is all they have paid out on very measly i might add and very low amounts for prescriptions so what a profit racket they have and with that deductible thing every 180 days apparently I never hit the deductible then so they never paid the higher percentage. Calls to the agent of course are ignored – he never returns my calls. I also was told NASE was required to have Mega and have never once in 4 years used any service from them – haven’t even got the dumb magazine in months that i never read either! I’m in KS and I saw the ins comm got some settlements out of them but don’t know what that is. I can’t even find how to cancel the NASE membership either. I think I will spend the $25 to stop payment by the bank just to be safe that the auto debit doesn’t get done – i have a feeling mega & nase will drag their feet on stopping it at their end just so they can get a month or two more out of me. Makes me ill to see the amount of money I spent for crap. I would have been better to HSA it or just plain put it in a savings account period – i would of had a nice little sum to tide me over during this economic hardship.

By: David

David — Thu, 05 Nov 2009 22:52:51 +0000

I purchased Mega Policy in Feb. of 2007. Unfortunately, I just learned the hard way. I was misled and lied to by the agent. Now, I face some large medical debt. I am interested in suing this company. Has anyone in Oregon been successful in suing Mega Life and Health? Is anyone out there interested in a class action suit. It seems to me that there are enough of us to get something going.

By: AIC

AIC — Fri, 14 Aug 2009 04:20:47 +0000

Thanks for your useful forum; I came to here about one caliber insurance company called American Insurance Coverage (A.I.C), which have some interesting portfolios and strides particularly in health insurance. The user’s feedback is amazing.

By: Diane

Diane — Sat, 01 Aug 2009 01:59:42 +0000

Hi Scott,
My Boyfriend had Mega insurance for about 3 years. Never had to use it for anything..(good thing he didn’t..) but i hated the company always raising the amount a month. We were paying 189.00 plus 10.00 on top of that for fee. So we paid about 200.00 a month just for my boyfriend. His deduc. was 5,000. I am just glad you are sharing this with all of us. I also don’t see how they sleep at night. But i believe in Karma..so..it’ll come back to them..
Have a Great Day, Scott
Thank you!!
Diane