Anyone Heard of USHealth Advisors?

Discussion in 'Health Insurance and Ancillary Benefits' started by heffhawk, Aug 3, 2011.

  1. heffhawk
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    heffhawk New Member

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    I've been visiting this site because of the great information from all of you. Now I have a question to ask. Has anyone heard of USHealth Advisors? They have contacted me to sell their telephonic health insurance. I googled them but didn't find much info. They seem fine, but I have never heard of them and they want me to get contracted as soon as possible. Any help would be much appreciated.
     
  2. arnguy
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    arnguy Guru

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    I have never heard of them!
     
  3. heffhawk
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    heffhawk New Member

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    Thanks for the reply, arnguy. However, I have passed on their offer. Too many red flags. I still don't know much about them.
     
  4. AllGold
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    AllGold Guru

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    I think I have heard the name before this thread but that's about it. Don't know a thing about them.

    Probably just a temporary glitch but I tried to go to their web site and this doesn't inspire confidence:

    I could be wrong but I get the impression from nosing around on their web site (when it doesn't blow up) that they're big on limited benefit plans.
     
  5. jbage007
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    jbage007 Guru

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    All you need to know about those bozos is in this link:

    US Health Flagship Co's Downgraded (again)

    Only amazing thing to me is that National Foundation Life actually managed to survive National Health Ins. Co. (you gotta go back a ways to truly appreciate the meaning behind that)

    By the way, how many of you cohorts actually are aware that it technically is illegal - in most states - to call yourself an "ADVISOR" when in fact your income is derived from commisionable insurance sales??
     
    Last edited: Aug 5, 2011
  6. heffhawk
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    heffhawk New Member

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    Thanks again for the input. I haven't sold much health insurance and this forum is a tremendous help. They continue to call me(pitch me) to get contracted, even though they won't tell me specific products, lead system, etc.. The recruiter basically told me to get contracted and then he'll talk specifics.
     
  7. AllGold
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    Haha, no red flag there. :laugh:
     
  8. arnguy
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    arnguy Guru

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    Now that I think of it, some years ago they were pitching their health insurance and, if I recall correctly, there was allegedly supposed to be some type of non-pofit organization behind it all. It was a Texas outfit. 'Nuff said.
     
  9. StevenRigg
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    StevenRigg New Member

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    US Health Advisors started out as two companies. Mega Life underwrote policies for NASE (National Association of Self Employeds) and Mid-West Life who underwrote policies for Alliance for Affordable Services (also for Self-employeds). The biggest problem they have always had is in poorly trained agents who oversold policies they... the agents... didn't understand. The health plans they offered were limited benefit Indemnity plans. They do have an excellent compensation package. I worked with Mid-West in Washington state from 2001 to 2005. During that time I never had a customer complaint. My policy retention was over 90%. As long as you fit the client need to the plan benefits and don't promise things the policy won't deliver AND commit yourself to customer service satisfaction, you could do very well with these plans. Washington state felt that limited benefit plans were not suitable for clients. Other states disagree. Personally, while I prefer plans without internal limits, I also believe that some health insurance is better than none at all. Limited benefit plans tend to offer lower premiums which translates into more people who can afford to be covered. If you choose to contract with them, communicate often with the Home Office who will help you understand the limits of the plans. Many managers are good and do a good job of training. Others are interested only in sales numbers. Good luck.
     
  10. InsureMonkeyQA
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    You'll get a lot of highly enthusiastic pitches. Step One: Be very skeptical, step two, run it by the BBB and search for the scam. Step three: repeat step one!
     
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