Several absurd complaints deal with cancelling the plan and not getting your money back
#1) The $75 application fee goes towards printing and delivering the new member kit. This money is spent so it is non-refundable
#2) One person here wants money for his past insurance...NO way Jose...you only get your money back for future un-used insurance

Homeland is very easy to deal with and will refund your money with no questions asked BUT there has to be some rules??

And lastly many of the complaints here are about independent brokers NOT Homeland Insurance. Please understand the difference between the two.

Homeland is not a scam. Didnt any of you bother to read the website or the brochure. It clearly lists all payments for each of the plans. It is a "defined benefit" plan and not a "major medical" plan. It says this on the website. If you can read you wouldnt be making these absurd claims. Homeland has 10's of thousands of very happy customers...and I know about 50 of them

By the way many plans include small amounts of Critical Illness coverage (2.5K, 5K and even 10K). The NPX plans even have dental and vision discount plans included. Since Homeland pays claims it is REAL insurance BUT it is not major madical. Is is called a "defined benefit" plan. It is for the 20% (est) people who cannot qualify for major medical. In that regard it can be a great plan...although it has limits on coverage. And of course the network (BeechStreet or Multiplan) gives the the initial discounts off of the provider charges. The dishonest people posting complaints are comparing it to "major medical" plans which is not fair. I have many happy customers

Ok, well I guess I am one of the lucky ones in this string of complaints...after picking the agents brain for almost an hour to which he referred to this policy roughly 10 times as a "Group Plan" that is Nationwide I realized when I hung up the phone that this type of a policy does not exist... I am a licensed Insurance Agent and have been for many years, I write Property and Casualty so I know just enough about Health Insurance to get me in trouble...
This policy as verified with the companies home office is a "Limited Benefit Health benefit Plan" which is a far cry from "Group Insurance". While researching this as I am a sceptic by nature I came across all the complaints and the negative BBB reports and immediately called the agent to advise him that I want the policy cancelled, he advised that Jay in the Accounting Department would contact me immediately to cancel...Well, he never called me and it's been 2 hours...I immediately called my bank and got the Dispute Department as the charges were presented within minutes of my conversation with this agent, probably before we even hung up the phone...
The charge seems to have been reversed by my bank already so I am lucky, some of us have not been so lucky...
THIS LIMITED BENEFIT POLICY IS/NEVER WAS DESIGNED TO REPLACE A COMPREHENSIVE HEALTHCARE PLAN AND WILL BANKRUPT YOU IN THE EVENT OF AN ILLNESS, IT WAS CREATED FOR PEOPLE WHO ARE UNINSURABLE, OR AS A GAP COVERAGE IN ADDITION TO YOUR EXISTING INSURANCE...
Hope this posting saves someone else the Heart palpitations that I just went through, consumers beware!!

Celest LaVergne
Boca Raton

I WAS ONLINE LOOKING FOR HEALTHCARE WHEN I GET A CALL BY A REPRESENTATIVE FROM HOMELAND HEALTH CARE BY NAME OF MARIO TELL ME HOW GOOD THE HOMELAND HEALTH CARE WAS AND IF I WAS UNHAPPY WITH PROGRAM I WOULD GET A FULL REFUND BACK I CANCEL THIS AFTER SEEN THE COMPLAINTS OF THIS COMPANY. WAS ONLY REFUNFD 168.00 NOT MY FULL AMOUNT THAT I WAS TOLD BY MARIO WHEN I SIGN UP AND WAS NOT HAPPY I WOULD A FULL REFUND BACK . TODAY I CONTACT HOMELAND HEALTH CARE MEMBER SERVICE I WAS TOLD BY SOME MEAN AND RUDE LADY NO ONLY 168.00 WAS TO BE REFUND. I WAS MISLEAD BY IT'S REPRESTATIVE THIS COMPANY WOULD REFUND MY FULL PAYMENT . THIS COMPANY IS FULL OF BS AND A JOKE TO THE PEOPLE, A BIG FRAUD, CHEAT AND SCAM. PLEASE BEWARE OF THIS COMPANY AND THE SCAM THEY PULL ON PEOPLE. ~VERY DECEITFUL COMPANY ~ BEWARE **BEWARE ** BEWARE ** BEWARE**BEWARE**BEWARE