I had a terrible experience with this insurance provider in Virginia. They told me my primary care doctor was in-network, but when I went in, they denied my claim. I ended up having to pay out of pocket even after the billing department argued with their rep over the phone. Their customer service was rude, and to top it off, they charged me for three different plans instead of one! I had to dispute charges with my credit card company because their billing was a mess. Their online portal is clunky too, and dealing with them has been a huge waste of energy. I’d avoid them if I were you.
I paid $438 per month. #BadVirginiaInsurance#VirginiaMarketplaceProblems#StrategicLimitedPartners
You marked this as “BadVirginiaInsurance” but was this bought through the Virginia exchange or a private plan? I’ve seen warnings about this provider all over.
Conley said:
You marked this as “BadVirginiaInsurance” but was this bought through the Virginia exchange or a private plan? I’ve seen warnings about this provider all over.
I was told that Virginia no longer uses healthcare.gov (it even says that online). So I went through the private marketplace.
@Keegan
When the ACA was rolled out, states could either connect to the federal marketplace (healthcare.gov) or create their own state-run version (like Virginia did). Generally, the quality of plans should be similar. If you go to healthcare.gov and say you’re in Virginia, it should direct you to the state exchange. Did you get this plan there?
Plans sold outside either marketplace can sometimes be less comprehensive, so definitely something to watch out for.
@Keegan
Even with state exchanges, ACA-compliant plans should still offer basic protections. Buying insurance through them usually ensures it’s legitimate coverage.
You should reach out to your state’s business regulation department and file a formal complaint. I work with clients dealing with similar issues, and some states are already investigating this company. They have offices in Texas, and I know Texas, Wisconsin, and Rhode Island are all taking steps against them.
If your state doesn’t have its own marketplace, healthcare.gov will usually direct you where to go. If it does, they’ll send you to the correct state-run site. It sounds like you might have been caught by one of those brokers who make their plans look legit but aren’t.
Keegan said: @Ren
Sadly, I did go through the steps and still ended up with a bad plan.
Definitely reach out to your state’s business regulation department. I help clients in these situations and know that some states are investigating already. Texas, Wisconsin, and Rhode Island are taking action against them.
I tried to sign up with one of those marketplace plans, and it’s been a nightmare. No emails, no insurance card, and they kept trying to pull multiple payments every month. Luckily, my bank caught on and only allowed one charge each month. I’m so done with this! Do your research before you pay for anything. Government-backed or not, scams are everywhere!