Comments on: Mega & NASE health insurance question

By: Victoria Fuller

Victoria Fuller — Sat, 01 Nov 2008 21:21:22 +0000

HI Paul, sorry I called you Paula, Don’t know why I transposed your name in to the feminine. Good that you cancelled, smart choice.

By: Paul

Paul — Sat, 01 Nov 2008 17:18:35 +0000

Policy has been canceled and I purchased from a reputable company and got dental as well for much less than the crooks at MEGA!

By: JordanL

JordanL — Sat, 01 Nov 2008 16:41:43 +0000

Paul, I agree with Victoria, run and don’t look back! See my post above from a few months ago.

BTW, I have heard that Mega and the NASE are one and the same - NASE is the phony ‘organization’ they created to be able to sell this is a ‘group’ plan. I was told for eight years that membership in NASE was required, to keep the health ‘insurance.’ Now, in a letter from Mega in response to my assorted complaints, they say NASE membership is optional. It is required by law in some states that you be a member to obtain the policy, but you can cancel after that. I’m going after NASE for a refund of my dues - it won’t happen, but I have to try.

Have you all seen this - big fine levied against MEGA by the National Association of Insurance Commissioners:
http://www.naic.org/Releases/2008_docs/healthmarkets_fine.htm

I can only hope that a class action suit is not far behind.

By: Diane Osman

Diane Osman — Sat, 01 Nov 2008 15:36:55 +0000

Just what I have experienced! Mega loves to take your money and give nothing in return. A colonoscoy just cost me over $6,000! I went to pick up my prescriptions and they informed my prescription amount has expired for the year! And to think this was recommended by NASE (National association of the self employed). When I have contacted NASE, they refused to talk to me stating that they are “separate” from Mega. Both are a bunch of crooks.

By: Victoria

Victoria — Thu, 30 Oct 2008 17:12:48 +0000

Hi Paula, run away from this plan as quickly as possible. Please read my post, here on this site, posted Nov. 6th 2007. It is a scam operation and the only thing that will happen is that they will take your money and you will get no benefit from their insurance plan.

By: Paul

Paul — Thu, 30 Oct 2008 15:30:35 +0000

I just purchased a policy from Mega but am with the 72 hour window to cancel and am going to be taking everything to an agent here in town to look over and tell me about it. Thank you for this blog because now I am going to do some research and find out for myself if I should cancel this policy immediately. The agent that sold me was not a slime ball and has been with them for seven years.

He went very slowly over everything and show me max oop in a calendar year of $4,000 and showed me where NASE paid for things from the association as well as how Dr. visits were covered which is a $125 pool of money every 4 months. I am calling my doctor’s billing to see if they have ever had a problem with this company. Thank you to all that posted on here both positive and negative.

I have experience with Goldman Sachs and just because they are an investor does not make Mega an angel. If MEGA makes $$ then a company like Goldman Sachs is going to be all over it ,,,

By: Scott

Scott — Tue, 21 Oct 2008 15:08:07 +0000

There’s no class action suit that I’m aware of, but in my opinion, there should be!

By: Diane Osman

Diane Osman — Tue, 21 Oct 2008 03:14:00 +0000

Is there a class action lawsuit against Mega Life & Health? We own a small business and got Mega through NASE. The insurance is worthless as far as I am concerned. I can’t imagine why Nase does this to small businesses. I just had a colonoscopy & they charged almost $10,000 and Mega paid $1500. These companies screw each other constantly and put us in the middle. My daughter died of Leukemia and Golden Rule sued us rather than paying for her bone marrow transplant so I am quite used to what slimeballs insurance companies are. Anything I can do to Mega to join in a lawsuit or sue them myself–I am ready and willing. The latest joke is when I went to fill my Nexium–I have a discount card from the pharmaceuitical co. so it should cost $30-40 max. They wanted $175 per my insurance co. My husband won’t look into it so I have to. Please help. Thank you. Diane

By: JordanL

JordanL — Fri, 01 Aug 2008 15:34:51 +0000

After taking out a Mega health policy in 2000, through NASE, my husband had emergency open heart surgery in Jan ‘07. Of a $257,000 hospital bill, Mega paid $28,800. Everything that was not the ‘room rate’, surgeon, or anesthesiologist went under “Medical Miscellaneous,” on which Mega has an $18,000 payment limit. The “agent” who sold us the policy indicated our maximum out-of-pocket expense for catastrophic surgery would be our deductible + 20%.

I am reporting them to the State of California Insurance Commissioner and looking for an attorney. This has bankrupted us.

By: RANDY S

RANDY S — Tue, 13 May 2008 22:08:31 +0000

THANK YOU ALL FOR THE EYE OPENING EXPERIENCES AND FIRST HAND ACCOUNTS WITH MEGA INSURANCE! I WAS CONTACTED 5 DAYS AGO BY ONE OF THEIR SALESPEOPLE IN REDMOND OREGON, AS I WAS IN THE MARKET TO CHANGE MY INSURANCE PROVIDER DUE TO A 40% RATE INCREASE.HE TOLD ME SEVERAL TIMES THAT MEGA WAS IN THE SAME GROUP OF PPO’S AS LIFEWISE, PROVIDENCE AND REGENCE.SOUNDED REALLY GOOD!!I CALLED THE HOSPITAL IN BEND AND THEY SAID THAT MEGA WAS NOT AND WOULD NOT BE AFFILIATED WITH THEM! THAT TOLD ME TO LOOK DEEPER AND THAT IS HOW I FOUND THIS SITE AND THEIR APPALING BBB RATING IN OREGON. THANK’S AGAIN FOR THE HEADS-UP.