Ushealth Advisors - This company is a scam!!!
As a former agent for this company, I can tell everyone here that this company is a JOKE! It was set up from the beginning to be a legalized pyramid scheme, and that's exactly the way it functions.
These "policies" are designed to be supplemental plans on steroids, which is how I've heard them referred to before. This is exactly right. They will push the Premier Choice plan on you, which you have to qualify for, and also the one - time step - up rider, which covers (supposedly) 100% of your costs after you're hospitalized. They WILL NOT tell you that after that rider is utilized, you no longer qualify for their plan, and you will be dropped!
If you speak to an agent and they say "This plan includes..." you can almost always bet that it's not true. The plan they put together for you will "include" it, but you'll be paying for it, even if it's only $5. They have base plans, with no amenities, but they will tack on as much as possible and get you to pay as much as you possibly can on a monthly basis because they make the most commission off of the supplements such as MedGuard, or as some call it "gap insurance". They will almost always start a sales pitch by asking if you have or had insurance, and then wanting to know how much you pay.
For example, if you tell them that you have BC/BS and were paying $500, but received an increase up to $900, they will have you paying AT LEAST $500 because now they know that you can afford that much.
Bottom line: No insurance company is perfect and covers everything, so go with a major company you have at least heard of before. Yes, you will have a deductible, but if your premium each month is $200 compared to $500, and you won't be dropped for *** reasons beyond your control, like cancer, heart attack, stroke, etc., it will be worth it.
Reason of review: Bad quality.
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I BELIEVE YOU.........WELL Guess what?I don't know much about USHA-, but I know about BUSINESS, this is a multi-millions $ company right?.......they look for SMART, MOTIVATED, ENERGETIC people, they browse the net looking at RESUME, they call you, they set up an interview, so basically if they hire you it's because you got what they are looking for BUT......something is left out of the EQUATION, and that is : ARE YOU A *** BAG (with all the quality mentioned above and more), YES cause if this was A REAL COMPANY doing what they say they DO, after the hiring process WHY THEY OFFER YOU A 1099 deal?
1099 means = INDEPENDENT CONTRACTOR, independent, not by hiring process, that's B.S. I have a suggestion for YOU guys @ USHA, you want to be a REAL COMPANY, you hire people by offering 1st.
a BASE SALARY, 2nd.BENEFITS (even if after 90 days), and YOU RUN A COMPANY, but NO, YOU ARE JUST LOOKING FOR SMART MOTIVATED ENERGETIC *** BAGS !
I liked: Stay away.
I didn't like: Stay away.
I'll tell you why your anonymous !
Obviously you couldn't cut the mustard or better yet you just aren't cut out to be an agent; whether for this company or any other because sales isn't easy and instead of admitting that to yourself first and foremost you bash them and hide behind your keyboard!
Typical internet author who feels posting negativity is your revenge for failing!
Look dude obviously you didn't make the calls, follow the training (probably the best in the business) or you needed income immediately; but forgot that commission sales positions reward ones efforts, ethics and hard work and it certainly isn't overnight!!
YES... I am an agent for this company and a fairly new one at that; going on 7 weeks...I struggled at the beginning and kept following my training...put in the effort, sacrificed and put aside that I have actually had my license for 20 some years and realized nobody owes me anything....it's up to me to produce...to learn...to do what it takes ethically to show people these plans!
I have done just that and am succeeding selling great insurance to my clients!
What complaints can you prove that these plans aren't legit? NONE!! I have many new clients that use their plan and are happy with the benefits and savings I provided! The plans do just that...obviously you just didn't understand or explain them correctly; hence the reason your bashing them now!!
I actually think no matter where you go,... I almost feel some sympathy for you; but it would be wasted on someone who blames their lot in life on everyone else except the man in the mirror!
Sad actually!! Hope you find solace in your next endeavor!And BTW...It is the CIGNA network!!!
As a seasoned leader for this company you are misrepresenting how the plan works in this statement. The coverage is designed to only pay for coverage as you need it.
Yes a client may upgrade their plan if needed for anything catastrophic at any time, but it's not about getting "dropped" it's about providing the coverage the client needs at the time they need it instead of paying wasted premiums on high deductible plans that would leave them more out of pocket anyway.
The premier choice plan you are referring to has saved hundreds of clients thousands of dollars on out of pocket expenses... once you need to upgrade we then help you go back to premier choice or find the right plan u then need for your new health situation.
It's the best plan on the market and You shouldn't make false comments when you obviously don't know the facts.
This must be the reason you didn't make it with the company and I'm sorry for you as you have missed out on a tremendous opportunity to work with a world class company that does right by the customer and the agents.
Defiantly not a "pyramid scheme" everyone has the equal opportunity to make as much as they can with hard work. Sorry you weren't cut out for the job, it's not for everyone.
It is unfortunate you did not make it with USHA. As an agent, I can vouch that I get paid well enough to help every single person I come in contact with, whether they need one of our plans or something else.
This is not a pyramid scheme. I get to take time with people every day to sit down, assess their needs, and help them make educated, informed choices about their health coverage. I do not have to be a pushy salesperson, I just have to know what I'm talking about, and I have to care.
I also do not have to "tack on" anything other than what the client needs. It is a pleasure working as a USHEALTH Advisor!
He/she must be one of the sales individuals that did poorly in this because if he/she did well trust me they wouldn't talk ***
If you're gonna tell it, tell it all. Yes, you will get dropped from the plan once you're sick with something major like cancer, strokes, and heart attacks, that's because you're no longer part of that group of people that are healthy.
That's the whole purpose of the plan , saving the healthy people money on insurance instead making them pay the same as unhealthy people.
Should a person with a great driving record pay the same as a person with dwi's and prior accidents? If you say yes then you're a fool yourself.
I think this plan is great. There were no PPOs in my state and all the plans were with super high deductibles, something like over 6 grand, and all of them over $200 which was ridiculous.
I got the PPO plan they offer with 0 deductible, dental and vision for 200. I had to go to the hospital a few months later because I severely fractured my ankle and had to have multiple surgeries to fix the problem. Since I had an accident I only had to pay out $500 and the quarter million dollar claim for that year was paid for.
Yeah I had to get out after the open enrollment came around but they saved me quite a bit of money with better coverage. I think you might have dealt with the wrong people
This post is way off base. The Plan I have with US Health Advisors.
Left me with zero out of pocket, after my prostate cancer. I feel I have a great plan, and more importantly an agent that I can speak with anytime, day or night.
You don't know what you are talking about.
What happens when your insurance coverage goes from $3,600 a year for two people to $11,300 a year because of the ACA? How is that affordable.
I am with Etna, I have a $6700 deductible for each of us. I have to pay $109 a month for a supplemental insurance to cover me in the event of a very expensive situation. So how does this new "affordable" health care define affordable? Why do I get to pay for health care for a dozen people now when there are only 2 of us?
And then if I do not pay it, the government wants to take another 2.5% of my income away.
Sounds like Health Care Tax Act, doesn't it? So do my premiums really cost $11,300 or is the Fed skimming half of that off the top away from Aetna?
My sentiment EXACTLY!!!
If you're healthy with no pre-existing conditions contact a US Health Advisors agent.