FYI- There's a company down in Florida that uses pridictive (auto dailer's) 24/7 and goes by the name I Select Health Solutions, 2950 W. Cypress Creek Ste 106, Ft. Lauderdale 1-800-718-6495. Agents answer the phones by the greeting "Thank you for calling the enrollment center, who do I have the pleasure of speaking with" pissing off a lot of people that are on do not call list's. Then proceed in selling 90% of the policy's through Homeland Health Care underwritten by Markel like it's the next best thing to a BCBS Major Medical Plan. Well it's not, there Quaranteed Limited Health IdemnityPlans (minimeds) that are'nt worth more than tiolent paper. Half of the agents are not even licensed by the state of financial services to sell health insurance. So if you get pitched by someone called Mel.Kathy, Paul, Steve, Gary, Shawn- stay away and hangup the phone they are breaking the law to sell health insurance in the first place. This company needs to be raided and shut down by the Department of Financial Services as well as the owners going by the names like Wayne, Shawn, Scott, Bob should be criminally prosecuted for rakeing in millions of dollars in premiums that don't give hard working citizens the health coverage they urgently need. SO PLEASE BE WARE OF I SELECT HEALTH SOLUTIONS 1-800-718-6495. THEY ARE TOTAL FRAUDS AND IN THEIR BEST TIME, TIME WILL CATCH UP TO THEM. DON'T BUY ANYTHING FROM THEM!!! Off to the next case.

If anyone is thinking about signing up with this company for health insurance...DON'T THIS COMPANY IS A FRAUDULENT COMPANY. I signed up for this insurance last November and as of today they haven't paid one cent of my medical bills and the prescription coverage is pretty much non-existant if there is any medications that aren't generic you might as well forget it, I take two inhalers and they would only cover about $15.00 of the cost of $250.00 for each medicine. Everytime I call to see if they have paid any of my medical charges I get a different excuse of why nothing has been paid. I am contacting the Insurance Commissioner and also the Attorney General as someone needs to stop this company from scamming people.

Well I am just another victim of this scam - I too paid $258.00 from my bank account and have been unable to recover one cent - I cancelled the insurance before it began even - after reading some of these comments - they tell me it has been cancelled and they never received the money - of course my bank shows they drew the money from my account - so now my bank is trying to investigate this fraudulent transaction and see if they can help recover my money - this is a lesson learned - a salesman from America's Healthbrokers sold me this policy - Joe Borak - complete and total fraud and two months into this scam I have been unable to really talk to anyone to achieve any results - it is unbelievable that this scam can operate - aren't there some type of laws to protect against this

I spoke to Calos Egea from Americas Health Brokers many times, before purchasing the HOMELAND HEALTH CARE INSURANCE. Carlos Egea assured me that my father Jose Bonilla would be covered up to 70% on all medical treatments he received. He assured me that Homeland Health Care would provide a $50.00 up front fee for the first five visit, and that Beechstreet, who is the provider network would cover the rest of the fees at 70%, leaving my father with only 30% to pay out of pocket.

Money does not come easy, therefore, two of my brothers and I agree to pay for this health insurance together, leaving us each with a $75.00 contribution to pay towards my dads health insurance. We thought this was the best approach, so that my dad could get regular check up and finally determine if he needs to retire, or be on medication.

I paid $294.00 for the initial set up on (7/30/2010). The insurance was effective August 15, 2010. Mean while my dad, who did not have coverage, was suffering from sharp chest pains, but because Americas Health Broker assured us that we would be covered, we waited until the insurance was effective. When we finally went to the doctor on August 16, 2010, I was charged $125.00 for my dads doctors visit, which included only the 50.00 discount and nothing more. The original office visit was 175.00.

Boggled, I called Americas Health Brokers again, they claimed they called the clinic and that everything was taken care over, that the original office visit was $315.00 therefore I had received a significant adjusted price. So, we left it at that and continued scheduling appointments for my father who never several tests done that are common for his age, some which included X-Rays, and ultrasounds for his heart. The clinic verified the insurance numerous times, when calling HomeLand health care, and the answer was always the same he was only covered for a discounted price of $50.00 per office visit. Which is ridiculous, I am paying $219.00 a month to receive a $50.00 discount. (Charged on 9/13/2010)

When speaking to the clinic, they could not verify that the office visit was originally $315.00 they confirmed that the office visit was $175.00 and that I had received a $50.00 discount.

Furthermore, Homeland, pushed me off to Beechstreet, the provider network, the company that is offering the adjusted pricing for doctors in the network. Beechstreet would not give me any information, because I was not the clinic or the doctor. Beechstree confirmed that the doctor my father saw was part of the network, therefore the clinic should use an adjusted fee schedule to charge my dad. The Clinic did not have such document, because Beechstreet had not provided the document when in contract with Homeland. I asked the Beechstreet representative, to give me the adjusted price amount for an Echo CODE 93307, 93320 and 93325, she said, she would not give me this information. I then asked, if I could call her back with the clinic on the line, so that they can give them the pricing, she said If you are on the line, or anywhere where you can hear the conversation, we will not give any of this information to the clinic. So I asked, if they can call the clinic, she replied This is an inbound office, I cannot call out, only receive calls in, the clinic has to call me. The Beechstreet representative then referred me to two doctors at the UT Physicians at Sienna Village, who she claimed were part of the network and accepted Homeland Health care, they had all the information regarding the fee schedules and that I should not have a problem there. However, the same story repeated, when the clinic called, they were given the same information, $50.00 discount for Mr. Jose Bonilla.

This was the last straw for me, my father needed to get his heart checked out, and this health insurance scam was taking my money, and not providing any services what so ever. Neither company wants to take responsibility. Americas Health brokers says, we only sold the insurance, call homeland. Homeland said, we only provide $50.00 discounts, call Beechstreet for adjusted network prices, Beech Street says, We do not speak to patients, we only speak to doctors and clinic business offices because our business contract is with them, not with you. Therefore, I will file a consumer complaint against ALL THREE COMPANIES for NEGLIGENCE and FRAUD.

ARGH! i am so fed up with Homeland Health Care. i, too, was fast-talked into agreeing to something that i thought was too good to be true. i desperately needed health insurance and after being turned down 4 times in a row, i thought i had finally found a company that was going to help me out. little did i know or even fathom that the representative would flat out lie about the coverage details. once i got the packet in the mail, i read it over and there was NOTHING that was the same as she told me on the telephone. my coverage was supposed to start on July 1st and i realized just in time that i needed to cancel this. so i sent in my cancellation form by e-mail on June 30th, thinking that was all i needed to do since that's ALL IT SAYS I NEEDED TO DO. i knew i would lose the $75 membership fee, and that was fine because i had agreed to that before. but i JUST found out today that they charged my Visa account $159 for July AND August! this is NOT RIGHT. i did what i was supposed to do and in the correct time and i am still getting punished? i called Visa and the NICE AND PATIENT rep said they were going to change my account number and start flagging these charges and try to get to the bottom of this. don't sit back and take this, y'all. we need to fight and get OUR money back!!