Hello;
This is Z A A I worked for the DOD as a GS12 Int. with the US Army for Iraqi Freedom Operation & when i came back from deployment (09/03/09), i applied online for insurance because i didn't have no longer medical & dental insurance with the government so this company called me (some time they used NBAA, National Benefit Advisory Association "1-888-594-7577, 1-817-594-7577, 1-877-202-7574" or America's Insurance Consultants "1-817-732-0657, 1-800-732-0657" which is all of them the same company & location) on 09/09/09 & they offer me supposedly affordable medical & dental insurance for 149.95$/mounth & they waive the 100$ enrollment fee with 3 months trail. For me, it sound great & they gave me their contact information as 1-888-594-7577 & 1-877-202-7577 for the claim if i want to use my benefits through miss Rebeca the representative. After couple of days in my bank account 09/11/09 show a charge of 279.95$ as -CKCD DEBIT 09/09 NTL BENEFIT877-202FORT WORTH TX- from them so i called to find out why is the charge that much so nobody answer, i left a massage, Rebeca called me back & she told me that they were mistaking & they will credit me back the rest (130$) which they never did.
Today 09/23/09 i went to the Dental Office for check up so they told me @ the office that this # is not a working #, so i tried it & it's true it's not a good # so i called (1-888-594-7577 4:06pm Est for almost 3 minutes) to ask for the correct # & the unknown name representative (she said her name is Hally, Chalet, Charlot, Jessica, ...ETC) said that i don't have insurance with them with rudeness & unprofessional argue ethics & she said that she will call me back & she did (1-817-594-7577 @ 4:14pm Est for 3:30) said with attitude & rudeness that u don't have insurance with us because we cancel it & ur money refunded on 09/21/09 to ur account (which is i don't receive it yet & i don't believe that i will [go & search for their reviews i'm not the only one]) so i told here: Mam don't take it personally but ur company they screw me with the money & the coverage & i felt embarrassed @ the dental office because they think that i try to pull up scam on them & in the matter fact that i know them because they r my neighbor clinic then she start telling me that which part u don't understand that i can enroll u again for another fee & u need to wait for ur insurance card (means another scam because i didn't receive the first one in the first place) & if u don't like that GO BACK TO THE HELL COUNTRY WHERE U CAME FROM so i stopped here & i told here u need to have some manner & respect for ur business, u represent a legmen company & i would like to have ur name & ur employee id # please Mam? she started to tell me i'm not, so after i insist she told me different names as expected & F*** u. After all this drama i started to have numerous privet phone calls harassing me, threatening me, use bad languages, insults & discrimination {DUMB AS**, F*** U & UR COUNTRY, LAUGPHS @ ME & MADE JOKES & PEOPLE LAGPHED ON THE BACKGROUND, U R IN THE MILITTARY WE PAY UR SALARY IDEOD, ...Etc} (@ 4:25pm Est for 1 min, 4:27pm for less than 1 min, 4:31 for 2:30, 4:36 for 1 min [i do have the record].
That my experience Mam/Sir with ur licenced & business privilege holders in ur state which is i hat to say that but how the citizens r going trust this kind of health providers by trust their health & life in the hand of scams & frauds businesses. Personally i felt so bad from these individuals who put me, my service, my sacrifices & my life for my father (USA) & my mother (IRAQ) countries while they r here safe but the only thing they care about how to be ignoring & low life to the people.
Everybody r going to appreciate what u will do if u take serious actions & make sure about ur regulations (which is i don't believe that is that much different than our region NE)regarding this frauds companies according to the law -at least u can do- by charge them violations, suspend & terminate their business & substitute them by professional & butter business ethics company to let every business learn a lesson to not break the law & the roles for the good of everyone.
Thank u Mam/Sir for ur concern & ur time to investigate that matter for the country of freedom & opportunities for all the citizens.
Regards & good day.
Z A A

I was in search fo medical insurance for my family and went online to shop around. Some how my information got to this company and they called me and left a message saying they could prodive health coverage for a family of four for $189.95 per month. I thought that is a great price since the COBRA benefits we had (my husband lost his job) was to expire on 6-5-09 was going to cost us over $1500.00 per month. I called and spoke with Leslie. I clearly explained my situation and said I was looking for medical insurance. She offered there Platium Plan w/ Tier 1. This was to cover 70% of all hospital charges w/ no deductible, regular Dr. visit at a 20-30.00 co-pay, no referral, no life time max, no cap etc. She went on verfiy if our family Doctors where in there plan and the answer was yes. There was 1x enrollment fee of $100.00 which was non-refundable and the first month premium of $189.95. I went on their website to check them out before committing to anything. Once there, I noticed EVERTHING mentioned THIS IS NOT INSURANCE. It was a medical savings plan with an tier prcing simular to AFLAC. I called her back to ask some more questions as I need medical insurance and not a savings plan and I already have AFLAC. She assured me that there are two portions the saving plan and the medical insurance which was the Tier 1. After 4 phone calls asking questions and getting the same answers my husband I decided to go with the company. We allowed them to debit 100.00 plus the 189.95 from our bank. When I received the information in the mail IT WAS NOT MEDICAL INSURANCE as Leslie sold to us. I contaced their office 4x's over Monday 6-8-09 and Tuesday 6-9-09 to understand where the medical insurance portion was. She was refsuing to take my calls and would not call me back. I finally was able to talk to her boss, Nash who as extremely unprofessional and tried to upsell me into Diamond program that was STILL NOT MEDICAL Insurance. This company is selling its medical savings discount program as medical insurance. This is wrong and needs to be researched by the Attorney Generals office.