Buyers who purchased, or are thinking of purchasing, healthcare insurance from Health Markets of Texas or Mid-West Life Insurance Company of Tennessee, beware – you might not be getting the kind of coverage or access to various insurers as you might have expected.

The companies have been using some questionable selling techniques. Consumer attorneys explain that primarily these companies sell through a group of agents who sell the policies as well as memberships in two organizations, primarily, one called NASE, which stands for the National Association of Self-Employed. Another is called Alliance for Affordable Services.

The way these insurance products are marketed are through these agents. In order to sell the policies, they advise insurance consumers that if they join either the NASE or the Alliance for Affordable Services, they’re joining large groups of insurance consumers, and therefore, they’re able to obtain group-like insurance at group-like premiums. They never advise the insureds, the potential insureds, the consumers, that these so-called not for profit, or profit entities, these groups, are controlled by Health Markets and their subsidiaries, MEGA Life and Health Insurance Co. and Mid-Life, Midwest.

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Get the Facts

To avoid these types of situations, consumers should get the facts from salespeople. If the salesperson tells you that they represent a “group”, ask them the names of the other insurers in the group. Obviously, if they can’t tell you, you’ll know that it’s a scam.

Purchasing health insurance can be a tricky business and many times is over the average consumer’s head. With so many variables and so much paperwork, consumers often feel that they can simply trust the sales person and not dig through the details. Unfortunately, that may leave many consumers holding the bag when it comes time to collect on the policy. According to various reports, many of the salespeople at these companies were young, inexperienced and were instructed more on making the sale than on the actual products themselves.

Now that lawsuits are being filed, former salespeople from the company are coming forward saying that they didn’t realize that there was anything wrong with the company’s actions because they had no point of reference. That can be typical in this kind of business, so don’t think that your insurance sales person knows, or understands, the coverage better than you.

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