BC S Lhj
map-marker Palm Springs, California

Sold a good policy and issued a junk policy.

In April of this year, I filed a complaint in the Orange County Superior Court against Time Insurance Company and Assurant, Inc., its parent, among others. My case is now in the federal court. My complaint alleges violations of California's Unfair Competition Law (UCL) and False Advertising Law. It also seeks damages for fraud.

I believe the defendants are essentially engaged in a "bait and switch" scheme where they advertise, market and offer broad or comprehensive health insurance (described in their marketing brochure as the "MaxPlan") Instead, they issue and deliver another lesser plan, the "SaveRight" Plan.

The SaveRight plan is essentially worthless in the context of any substantial or catastrophic illness, disease or injury because it includes a maximum outpatient services benefit of $15,000 per calendar year.

I think my case perfectly illustrates the ripoff. In June 2009 I thought I was buying the MaxPlan. A year later, in June of 2010 I was diagnosed with breast cancer. In September I was shocked to learn, for the first time and right in the middle of my chemotherapy treatments, that Time Insurance Company refused to pay for any outpatient services (chemotherapy, blood and lab work and so forth) after August 1, 2010 because I had exceed my 15K annual cap. I was facing monumental medical bills and was only halfway through my treatment. I have heard of others with this junk insurance that quit their chemotherapy because they could not afford to pay for it themselves.

I am interested in finding other similar victims of this scheme. Please help me if you know anyone who was ripped off like me.

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Vince Perri is a Expert Claims Adjuster and CEO of Commercial Claims Advocate. He has over 14 years of experience in handling large commercial losses and complex residential insurance claims.

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