245 inquiries | Hospitalization and Medical Insurance Services
(909) 335-8110
http://www.smartcareplan.com
Company Rating
D
Customer Reviews
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Complaint Experience
N/A
Membership Information
This business is not a member of Business Consumer Alliance. This fact does not disparage the company in any way.
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BCA's Summary and Analysis:
Complainants allege misrepresentation of healthcare benefits, inaccessible website services, inability to reach the company, and difficulty obtaining refunds. Customers complain they believed they purchased healthcare insurance, but later discover they purchased a discount plan only. Other complainants allege that website services cannot be accessed, or that they were told that specific medical facilities accepted the plan, when they did not.The company responds to some complaints by advising the complainant that they are ineligible for a refund due to not canceling within the trial period. In other cases the company offered to process claims, or accept cancellations and issue refunds.
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Company Info
This company's business is providing health insurance sales, small business insurance, accident, critical illness, life, disability (drug plan) and offers a medical discount health plan.
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Licensing
California Department of Insurance
Verified License
License Number: 0B42097 Status: Inactive
As of our last verification on January 27, 2009, this company is not licensed with the Department of Managed Health Care to provide Discount Health Care Plans. To contact the Department of Managed Health Care you may visit their website at http://dmhc.ca.gov, or call 1-888-466-2219.
BCA has no information regarding government actions at this time.
This company offers a discount health care plan to small businesses, self-employeed persons and individuals. The plan claims to provide information, tools, and support for healthcare needs. Consumers should be aware that medical discounts are not insurance. Many medical discount plans claim to offer savings on prescriptions drugs, doctor and dental visits, vision care or other medical services. Advertisements - often found on the Internet, through infomercials or in "spam" e-mail - boast that consumers can save up to 30 percent or more on the cost for such services. Generally, the plans indicate there is a network of providers who have agreed to discount their charges if they are a plan member. Many medical discount providers do not clearly disclose to potential buyers that they are not an insurance product, or in some cases advertising may intentionally be misleading. Consumers who are confused by these plans often believe they are purchasing insurance. Discount plans are not considered health insurance and currently are not regulated in all states. In California, these plans are regulated by the Department of Managed Health Care. Consumers should review plan materials carefully to be certain the benefits are worth the cost. Before making a purchasing decision, keep in mind that discount plans can be sold by anyone at any cost with any benefits. They are not licensed insurance products, even when sold by insurance agents. The protections and rights available to consumers under health insurance plans may not be available to members of a discount plan. Providers in the discount plan's "network" are often not bound by contract to participate in the plan and may stop offering the discount at any time (without notice to plan members), depending on the plan. Many plans claim savings up to a certain percent. However, "up to 40%" does not mean a guaranteed 40% savings. If you are considering enrolling in a discount plan, find out if the plan is considered an insurance product in your State. Ask about the annual cost of the plan, and get a clear understanding of what the benefits are. Find out if the providers you frequent accept the discount card. Be sure to check with your provider(s) as the information given by the plan could be inaccurate. To determine the potential savings for the plan, find out if you have a health insurance plan and the discount plan, if the providers give you discounts on your co-payments or the balance of your bill after the insurance pays its part.
We know of no other matter or practice relating to this company that may assist you in your consideration of this company.
BCA has no information regarding advertising review at this time.
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