I was convinced by a telemarketer to sign up for a 'free' 45 day trial of Careington's Formulated Health Plan, which is not health insurance, but rather a discount program. For the next 2 months afterward, life was busy with a totalled vehicle, family illnesses, and the holidays. Frankly, I completely forgot about the trial.
Until I checked my past credit card statements, and realized that they had billed me the same day of the call, and I now had 3 charges on my card. I called their customer service--after 2 weeks of calling a couple times a day, finally someone answered, and told me that after the 45 day 'free trial' (IT WASN'T), I am locked into a 12-month contract. "Even if I never used the plan and never plan to?" "Yes, I'm sorry." Maybe the discounts are worth the monthly cost, maybe not. But if you do decide to give them a try, use a card you won't mind cancelling since they have the most awful cancellation policy I've ever heard of. Good way to get a customer to hate the company and give bad reviews wherever possible.