Mega Health and Life Insurance  » Insurance  »
2.0
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  • You also have the option to sign up for a discount plan through Alliance for Affordable Services/NASE, and here within lies the catch I think the insurance plan itself is some discount service rather than actual medical coverage
  • I recommend you avoid Mega Life Insurance and the Alliance, they are running a borderline scam operation down in Texas, don't let all the discounts fool you

    • by Lone Wolf
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      I often wonder about the Mega Life Insurance Provider as I have witnessed them involved in some shady practices, this of course was after I had signed up with them. At this point I was already scheduled for a surgical operation and already had the testing and pre-screening done for it, so I was scared that if I were to switch to a new provider they would not cover my current procedure and possibly not accept me at all (considering they all require you to release every bit of medical info you can possibly provide, and then SCREEN it to make sure you are not lying). The salesman that sold me the plan was a good talker, and looking over the plan myself it looked pretty good. I rarely have doctor visits,

      so I always go with a more preventive plan to ease up on overall costs.

      I was put on a PPO (preferred provider organization), the good thing about this is I can go to any specialist I so choose without needing a referral. Unlike an HMO plan, a primary physician is not necessary, which removes a major annoyance from the whole medical process. However, it is not all peaches and cream this raises ALL fees, premiums, deductibles, etc.

      You will be put on the PHCS (Private Healthcare Systems) network, they are pretty prompt at getting things filed. You also have the option to sign up for a discount plan through Alliance for Affordable Services/NASE, and here within lies the catch I think the insurance plan itself is some discount service ...


      • rather than actual medical coverage. There are very few positives to come out of this, while they have good costumer service reps, all info (Rx, dental, eye med, ID, numbers) on one card and easy to understand invoices, they do not actually cover much which pretty much mitigates all the positives. I guess there is not much to understand when your invoice states the patient responsibility is 75% of the actual balance. A lot of fine print to get around with these guys, especially if you need some major medical work done they have some catches with their deductibles.

        American healthcare in general is a huge joke, all these companies are about the same out to screw you over, take your money, watch you suffer and basically

        do none of the things you pay them to do. I mean, I expect this treatment from politicians but not from folks supposed to look out for the greater good of us hardworking people. Wait, that’s what politicians are supposed to do as well, anyway, you get the point. I guess it is all about finding the lesser of numerous evils when searching for a provider, I will say you will not find it here. I will be switching providers as I possibly can, leaning towards Blue Cross/Blue Shield. I recommend you avoid Mega Life Insurance and the Alliance, they are running a borderline scam operation down in Texas, don’t let all the “discounts” fool you. And really watch out if you are a cancer patient, you will find yourself paying for everything.




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    The review was published as it's written by reviewer in August, 2008. The reviewer certified that no compensation was received from the reviewed item producer, trademark owner or any other institution, related with the item reviewed. The site is not responsible for the mistakes made. 582408447681131/k2311a0824/8.24.08
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