Is multiplan medical insurance a scam?

Beware, i received a call from multiplan offering to give me fantastic insurance, and they used a serious hard sale tactic. I felt pressured to purchase the insurance, but i canceled the policy before it processed. I called multiplan to cancel it, and they questioned why i wanted to cancel the insurance, gave me a serious attitude and yelled at me for not wanting to keep this insurance. I have never been spoken to that way by anyone in any company. I read that they are very unethical. I also contacted the bbb and they are not accredited by the bbb at all. Do not trust multiplan. Beware!!!!!!!!!!!!!!!!!

_________________________________________________________________

Another View:

The impression that one has about their insurance plan usually is a result of whether or not they understand how the plan works and what it covers, and how claims were handled. All insurers make mistakes, and it is impossible to say, based on the bacts that you have related, whether there were mistakes.

As to high pressure sales tactics, that may have been your experience or perception. You would be well advised to find out the name of the salesman's supervisor-or higher in the company, and explain your experience. While the salesman is paid based upon sales, it does not do anyone any good to leave a trail of bad blood by using hight pressure. Most insurance salespeople rely upon referrals to make future sales.

Most importantly, you must determine who is financially responsible for paying claims. It may be that "MultiPlan" is a product name-not the name of the insurer. You need to determine the insurer(s) behind MultiPlan because it has the ultimate financial responsibility to pay your claims. Then, determine if that company is authorized to transact insurance business in your State by contacting the Insurance Commissioner in the State Capitol. If you are having actual trouble with getting claims paid, contact the Division of Consumer Services (or similar name) at the Insurance Commissioner's office. If the agent who sold you the plan misrepresented the benefits of the plan to you, there will be a department in the Insurance Commissioner's office to which you can complain (it may be called something like the Division of Agent and Agency Services).

It is irrelevant whether they are accredited by the Better Business Bureau. While that may provise some comfort, getting accreditation is voluntary on the part of the company. It would be more significant if the company had a negative BBB rating.