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Question DetailsAsked on 8/18/2016

I spoke to Michael from Nation Wide Health Advisors, he set me up with health vision and dental. to good to be true

the price was 237.40 with a one time enrollment fee of 125.00. Is this to good to be true?

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Could not find a definitive link for Nation Wide Health Advisors - but does NOT appear to be related to Nationwide, one of the largest and quite old insurance carriers.


Here is a link to a similar previous question on them -


http://answers.angieslist.com/compani...


Also a ripoff report on a company that is reported several places on web complaint or ripoff reporting sites as being the same company operating under a different name -


http://www.ripoffreport.com/r/US-HEAL...


Also here is an article on companies like this one appears to be, selling "Supplemental" health insurance which does not meet the minimum requirements of the Affordable Cre Act. Many of these "plans" have very restrictive payments, very limited total payouts, and very limited acceptance by providers - check with yours to see what they say about it and if they accept it.


http://talkingpointsmemo.com/muckrake...


Basically speaking,if they are promising a better rate than you will get on the official ACA website, it is likely too good to be true. Charging a signup fee is also a very big red flag - sounds like an upfront commission to me, which would be illegal if this were an ACA compliant policy.


$237.40 for ONLY vision and dental might be a fair price - but look carefully at whether this company is licensed to do business in your state (check state insurance commission website), at what the deductibles and co-pays are, and particularly maximum benefits payable - in many cases it is physically impossible to get benefits equal to your payments. I looked into one such dental plan where the annual premiums per person would have exceeded maximum possible payout limitations under the plan even if there had not been deductibles !


And of course, if not a compliant health plan from the ACA website (generally health only for adults, not dental or vision except for children where those are included in the health plan), then you will not be eligible for premium offset or deductible/copay reduction under the ACA either - and if not an ACA compliant plan (for Health) then you will also be subject to the penalty for not having a compliant plan come tax filing time, so you really need to read the fine print.


Link to another similar question with links to more prior similar questions and answers about this company/plan here -


http://answers.angieslist.com/ViewQue...

Answered 2 years ago by LCD




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