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Patriot Health Insurance

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Beware Of Patriot Health
Posted by Lucy59 on 04/08/2011
NEW YORK -- I too had a problem with Patriot Health that cost me an $800 lesson---Don't trust any broker that tries to sell you this so called insurance that has many different names. Goes by the name of LifeStream, GET MED 360, Viant, Patriot health, etc. Frankly, I don't know what to call this company. All I know is that Patriot Health charge my credit card for over $800 and refused to reimbursed. This so called company was never mentioned when my husband signed up for it. We thought he had Get Med 360 and that's what the card said; however, upon trying to use this card no one in our area had ever heard of it. Broker assured us that our doctor and pharmacy accepted this card with a tier payment on prescriptions---WRONG!!! We filed a complaint with our credit card and got no help. Filed a fraud report and credit card company said there was not enough evidence that this was fraud; however, since we never heard of patriot health, I have to believe this was fraud. At no time were told that this was Patriot Health. We were told it was Get Med 360; however, Patriot health got our money. Beware and don't trust a woman by the name of Guylene that works for this company. She gave us the round around by giving us different numbers and all numbers led back to her.

We kept getting her no matter what number we called. She is very rude and it is apparent that this is a scam. We have never found the location of the company. One letter said Georgia, another New York. It is anybody's guess.
     
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Posted by Alain on 2011-04-10:
Contact your states attorney generals office or insurance regulatory agency and see if they have any information about this company.
Posted by RickB_GA on 2011-07-10:
Sounds like you went on line and found this coverage and enrolled yourself. GetMed360 and/or whatever other name they might be using is a minimed or indemnity type plan ... it is NOT major medical insurance and offers only minimum benefits. For a healthy person it might be better than nothing ... but not much, for a person with any problems, you are probably wasting you money. Find a local agent to buy your insurance. Do not enroll with a telesales agent or directly on line and you will save a lot of grief. Remember, if things sound to good to be true, they probably are.
Posted by PadillaPad on 2011-09-24:
After getting a solicitation call, I gave into the fear of not being insured and signed on with this company.

The man I spoke with was very quick-speaking and confusing, but our need for insurance and this "too good to be true" offer was hard to resist.

Although I had doubts at the time of signing up, my fear of being uninsured was greater. However, I don't even know what my benefits are. The gentleman at GetMed360 just kept saying your covered stop worrying about it. I told him that I would like to start the coverage in three weeks and he told me that the irresistible offer would be off the table if we hung up and I didn't sign up. I gave into the pressure and am now getting on the phone with my bank to make sure I don't get charged. However, I don't even know the name of the company that will be deducting over $600.00 from my account.

I gave into the pressure of the solicitor and am highly regretting it. I will take the advise of those posting comments on this site along with my gut feelings about this company. If someone is not willing to explain the details...don't agree to their terms.
Posted by Kelly on 2012-01-28:
Had a horrible experience. The broker lied. Insurance was not what she had stated. She said fee would be 75.00 instead of 99.00 she lied about that. Took out funds a day before they were suppose to. When I did get the packet I called# customer care and spoke to someone that really did help me. I tried to get a hold of the broker to cancel the lady I spoke to, I told it was not Assurance insurance . She said I was suppose to get another packet. I told her I wanted to cancel. She said I had to fax a written statement to the cooperate office , she said she would tell my broker Maxzine to call in AM and put urgent. Someone did call but Hung up when I answered. I did cancel the insurance through the insurance company not through Patriot. The insurance is putting funds back - the fee of 99.50
Posted by Tim W. on 2012-02-21:
I was given the names Patriot Health and GetMed360 in my telephone conversation. I am so upset and disgusted for not listening to that small quiet voice that kept telling me NOT to go ahead with this when the sales rep kept reassuring me of this TOO FANTASTIC insurance coverage for someone like me with pre-existing conditions and NO health insurance and a LIMITED income. I just read through the benefits that were emailed to me and the policy is a joke for anyone with health issues, paying only for 3-6 visits/year. I now must tackle trying to get a refund, since I have not used the service and I signed up only 2/14/12. Any suggestions for help in this matter for a MO resident would be greatly appreciated. THANKS!
Posted by Bob K (CA) on 2012-03-02:
To Tim W. in Mo: If you put this on your credit card call the credit card company immediately when you receive you bill and dispute the charges. Make sure that you call Patriot Health at (888) 633-5080 and cancel the policy immediately (THAT MEANS NOW)! These people will string you out until you can no longer dispute the credit card charges if you don't act immediately. Oh and by the way, make sure that you write down each phone call to Patriot Health and who you talked to. Be sure to get a cancellation confirmation number from them.
Posted by Celia Martin on 2012-03-06:
I too got scammed by this so called health insurance.Although I stated I had prior health problems, I was assured that it was illegal to deny people health insurance. Expensive lesson, can't find their phone number! Key West, Fl
Posted by katcam831 on 2012-03-20:
I purchased this "insurance" (and I do use that term VERY loosely)back in Dec of 2011 because I have 2 very serious neurological diseases and no medical insurance. I need surgery badly but have had appointments cancelled on me by the doctors offices because they do not accept CASH payment for seriously ill patients nor do they accept, in their words (from 2 separate specialists) "insurance that will not cover anything" but COMMERCIAL medical insurance only (which basically means a group health plan through an employer). I have been disabled for 3 years now as a result of my diseases but will not be eligible for Medicare until Nov of this year. I did, however, apply for the Federal Governments "Pre-Existing Condition" Medical Insurance that is available to US Citizens through the Presidents Health Care Reform Act. I was just approved so I called and cancelled my GetMED360 plan today and was greeted warmly and was congratulated on obtaining full coverage. They cancelled my plan and assured me that my 1st of the month premium of $150 would NOT be drafted from my account. My premium amount for FULL COVERAGE through the Fed Gov plan is costing me $288 a month. I am thrilled with that cost.
Posted by Kapeena Estes on 2012-04-05:
My name is kapeena estes and I signed up for patriot trust insurance and they did not send me any insurance card or anything and i had to have surgery the next month. so I had to cancel it waiting for them to send me some information so I can use my insurance card. I just found out that they were still taking my money out of my account, so I had my account closed. now i am going to sue them, I am pissed off. If those sons of bitches don't put my money back,I'm going to sue their pants off.
Posted by Jon on 2012-04-06:
This company is 100% FRAUD.

I have current health insur. elsewhere but was shopping around for lower premiums.

I was talking to an agent about a plan with this co. It was for 150.50 per month with a one time activation fee.

I told the agent the plan sounded good but I wasn't ready to go ahead with it for financial reasons. He said OK and asked if I'd like to out my debit card on file for convenience for when I am ready, my card will already be on file. I said OK and proceeded to give him the card #.

Well just on April 5th, 2012, a charge of $250.50 was taken out of my checking acct from this company.

I went down to my bank and explained and they said it is definitely fraud and the personal banker called it to claim it as such and make an official claim.

OK so this morning I called the number to this co. I got a full credit back in my acct since it had been less than 30 days since it was charged.

Here's the kicker and proves what a SCAM these people are. Both women I talked to asked for my member ID number. LOL. I told both I don't have one bc I never authorized be payment or to sign up for this insur.

Yes, no member ID was ever even assigned to me, NO EMAILS SENT ABOUT IT, NO INSURANCE CARDS ETC CAME IN THE MAIL ETC.

So if I did have a plan started with them like they had me on record for, where the %$#@ are my ins. cards and all the info? I RECEIVED NOTHING FROM THEM yet they're saying I have a plan and member ID with them?! FRAUD! SCAM!

And the two women I spoke to both said "but you gave us your debit card info". LOL! the guy said it would be on file for WHEN I WAS READY AND AUTHORIZED IT! he said no charges would be made until I authorized it yet I never did authorize it and a charge was still made!

The lady said a full refund will be made unless it's found out you used any benefits of this plan. LOL

HOW COULD I HAVE USED ANY BENEFITS WHEN YOU ASSHOLES GAVE ME NO INSURANCE CARDS, MEMBER ID, NOTHING? so even IF I DID authorize it you guys gave me NO info to take to a doctor to prove k have insur. LOL, mother asshole SCAMMERS.

Stay far away from these pieces of shit. They will be reported by me to the FCC and BBB.
Posted by Tiffany on 2012-06-22:
Thank you all for your comments. I am currently on Cobra from my prev. employer. I was so close to cancelling my cobra benefits and take up these "too good to be true" benefits with GET Med. I have 2 small children and a husband who is in school full time. Thanks for all the info.!!!! Has anyone found a good company to get insurance from? With reasonable prices? I just need benefits for my husband and me. We are both in good health.
Posted by Mary Jo on 2012-06-23:
I also would like to thank all those who have posted their experiences. Am losing Cobra coverage soon and was about to sign up for this "insurance." Thanks for the heads up. Only need coverage for 4 mos. if anyone knows of a "safe" company. Again, thanks!
Posted by chris miller on 2012-08-29:
DO NOT TAKE A POLICY OVER THE PHONE,if it sounds too good to be true, it is!! Patriot health, health option one is the biggest scammers I've ever heard of! I've talked to at least 6 different people and heard at least 5 different stories,they need to get their stories straight!!!!!!!
Posted by New client on 2012-09-17:
After reading all of these complaints, I am cancelling my policy as we speak! Thanks for all of you guys comments they have really been helpful.
Posted by Vicki on 2012-10-09:
I almost fell for this "to good to be true" sales pitch. While I was on the phone with the broker, Landon, I looked up Patriot Health and started asking questions regarding it not being health insurance. At the end of the call I told him I didn't want the insurance and to not charge my credit card. So much for that, I received a charge on my credit card last week!!! I have since had the charges removed from my credit card. If you receive a call from these people, just hang up. They are not selling health insurance as they state.
Posted by Tommy 2012-11-28 on 2012-11-28:
Thanks Bob K CA, I did exactly that and cancelled the policy. There were no problems and I was given a cancellation confirmation number. This is a scam! Thanks for reading all the comments and good luck to everyone!
Posted by Jan Martin 12/21/12 on 2012-12-22:
I got this insurance only to be given a getmed health card in the mail to pay even more money for insurance, which I thought I bought...well, I guess I was scammed being so desperate to needing insurance for my many ailments as I get older and cant' really work a full time job.
Posted by Samantha on 2013-03-22:
I did the same thing. i can't figure out how to cancel it tho, can anyone help me please?
Posted by DebtorBasher on 2013-03-22:
Samantha, scroll up and read Bob K's comment. He posted a contact number to cancel.
Posted by Jam on 2013-05-02:
When I spoke with the person on the phone selling me the insurance he made it sound that all the other options are very expensive and Patriot is best one out there.he said that we can get 10 Dc visits a year at no charge,I took my son last month to see a doctor after 2 weeks I received a bill from the docs office saying that I have to pay 50 dollars for the visit because the insurance only covers up to 70 dollars, plus I have to pay another 645.00 dollars for immunization because the insurance they don't cover it.
Thank you all for your comments ,I will for sure cansel this scamming insurance
Another thing I was also scammed from by the same agent who sold me this insurance by having fidelity life insurance take 42.99 from my account every month.
Posted by edward pritchett on 2013-05-02:
I to got scammed.cancelled my policy.noticed money still coming out my account.called again an they said it was pharmacy card.told them i had cancelled my acount.they had misspelled my name.how is that my fault.they wont reimburse me either.
Posted by jean on 2013-05-13:
My son was also scammed by this co. He has diabetes and couldn't find coverage. The guy on the phone assured him that all his prescriptions and test strips would be covered for $210/month. They did not cover anything and he cancelled after 3 months and now had outstanding medical bills for over $600. Lesson learned
Posted by jean on 2013-05-14:
Does anyone know how we can report this company? All I have is a city state where the payment went and of course Patriot Health wasn't the policy
Posted by Andy on 2013-05-29:
Boy was I taken by these guys I found out that my Get Med 360 did not cover any part of my emergency and hospital bill I am left with a 6000 dollar bill!! that is how I found out I had no coverage! Gotta Cancel and get a refund too!
Posted by Chris on 2013-05-30:
I noticed I was being charged by this company after checking my statement and had no idea who they were. I had called other companies about health insurance and signed up with one (not Patriot) and cancelled it as soon as my employer's insurance kicked in. When I called to cancel it, they wouldn't do it and instead asked me what my insurance ID was for my employer's insurance! I had to just cancel my debit card to make it stop.
Posted by T jones on 2014-03-13:
Patriot is a rip off they lie just to get you to buy they don't cover ER now I'm stuck with a $2500 bill
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Health Insurance
Posted by Kapeenae on 04/05/2012
HOUSTON, TEXAS -- I signed up for health insurance with Patriot Trust and was robbed. They were supposed to send me my insurance card but, I have not received any and was taking my money.

If I don't get my money back, I am going to go to the news and sue them. I could not have surgery because they did not send me my information and I just found out they were still taking my money.

If I don't get my $433.23 back there is going to be some big problems.
     
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Posted by jktshff1 on 2012-04-06:
How long have you been waiting for the card and how long have you had the insurance?
Posted by Anonymous on 2012-04-06:
I don't see why you couldn't have the surgery. I work in health insurance and I talk to doctors and hospitals all day. Sometimes they call in to verify if a policy is active and to get the ID number. I also talk to members and can give them their ID number. Why didn't you call your insurance company to get your info? They could probably send you another card too. You also might want to verify that they have your correct address
Posted by Susan on 2012-04-06:
An Internet search reveals that Patriot Trust is a health care discount plan - - not insurance. Also nothing on their website indicates they will cover surgery or any sort of procedure - - just discounts on doctor visits and prescriptions.
Posted by Unknown on 2012-06-07:
Patriot Health is a complete rip off if anyone from pnone# 512-686-1323 call trying to sell healthcare don't fall for it they debited my acct for 359.95 without my permission. My advise if anyone from this number call run like hell all they do is rip people off
Posted by Michael or Suzy McLane on 2012-06-13:
Does Suzy have a health insurance plan with you? If so, we need to cancel it.
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Fraud/scam
Posted by Momstressed on 09/19/2012
Partiot Trust Health Insurance/GETMED 360 called to offer me healthe insurance and neither of the names mentioned were what they approached me wtih. I was told that I would get my policy with in 14 days to review it but I never received it. They told me that this was a governement program for high risk people, which my husband is. Time went by and I had forgotten about it but then when my acount was debited again, I remembered and called my bank to get the charges reversed. My bank told me that I may have to close that account and open a new one. I just spent $100 on new checks! The bank filed it as fraud and we will see what happens. When I googled it and found complaints on this company, I found a number to call and they said since my 30 days has passed I will not be refunded any money for August but that as soon as this payment clears, it stills shows pending, they will issue me a check but I don't need to call the bank to stop the payment. I don't trust I will get that check so my bank is still going to try to reverse the charges to my account. After reading tbhe reveiws, I feel I may have to close my account. When someone from Patriot Trust Health called me back it came up United Health Partners on my caller ID. I am really confused and do believe this is fraud. I talked to a lady named Laura and she gave me her extension and said to just always contact her if I have any more questions. They supposedly have canceled my insurance. I called back to get a cancellation number because I forgot to ask the last time she called. 1-888-633-5080 ext. 153. I told her I needed a refund for August because I never got the policy to look at and she said I would have to file an appeal because it is over the 30 days. My cards that I did get say GetMed 360. She gave me her email address so she could just make sure it was taken care of. I don't know whether to trust her or not. I will tell you now, ask to look at the policy before you pay for it if you can. I pay cobra over $1,000 a month but I will stick with that till I can find a company that that I can trust and I will look on the internet for that company before I do anything again with insurance.!!
     
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Posted by Hockenson on 2013-10-12:
They are scamers. No doubt in my mind/
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Fraudulent and Misleading Insurance Policies
Posted by Misled mom on 09/12/2012
NEW YORK, NEW YORK -- I signed up with Patriot Health also known as Opticaa health or Beechstreet. I told the agent I was pregnant and he assured me that this was the plan for me because his wife used the same plan when she had her baby. I called before I signed up and asked if my doctors took Opticaa/Patriot/Beechstreet (they keep changing their name) and they said yes. As it turns out the plan does not cover maternity and the negotiated rate is actually over 100% more than I would have to pay if I had the medical service as an uninsured person.

My doctor said the plan was so bad, it is better to pay cash. I had a test for my baby that I found out later would have cost me $3000 dollars, but as an insured person with Patriot they charged me $8000 dollars, Patriot negotiated a rate of a $1200 discount and passed the remaining $6800.00 bill on to me. This insurance is a scam! Beware!
     
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Posted by Anonymous on 2012-09-12:
Was the dr contracted? You have to ask specifically if they are contracted. Them telling you that they take your insurance doesn't mean they are contacted. It means they won't deny services. Since you are being charged the difference between the billed and approved amount, my guess is that the dr isn't contracted. .
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Asked to delay withdrawal a few days and they could care less
Posted by Regua on 09/29/2008
MANCHESTER, NEW HAMPSHIRE -- We called Patriot Health insurance to ask them to delay our automatic payment withdrawal for a few days in order for us to get some money in our account to cover the payment. The person in customer service told us she would have someone in corporate call us. A few hours later some one did call us to advise us that they could not help us and the withdrawal would go thru on the first as scheduled. I told her that there was not enough money in the account to cover it and she said "that,s the way it is". I told her that they would get it back from the bank and her response was we'll submit it 3 times and then we'll send you a cancellation notice. I then told her not to do that because the bank charges us a fee for each return again she said "that's the way it is. She then told me that when I signed to have the withdrawal on the first of every month it was a contract and they were sticking by it. PLEASE DO NOT CALL PATRIOT INSURANCE FOR YOUR INSURANCE NEEDS. They are managed by MVP Insurance.
     
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Posted by spiderman2 on 2008-09-29:
If you aren't going to have the money in your account, you shouldn't be doing an automatic withdrawal but be sending a check or paying online when you do have the money.
Posted by Anonymous on 2008-09-29:
It's unfortunate their customer service doesn't involve actually helping the customers. It sounds like they were very rude to you. Your situation, not having enough money to cover the basics, is going to get a lot more common place I am afraid.
Posted by Anonymous on 2008-09-30:
Sherdy, your comment is the epitome of customers who are trying to change the rules of a contract and get mad when the company won't do it. A contract was entered into by 2 parties, 1 wants to breach the contract but the other party is the bad guy for not helping the customer for not allowing it. Craziness. As the first commenter said, if you don't have the funds in the account for an automated payment, pay by check in the mail.

The Judge
Posted by cherpep on 2008-09-30:
Instead of delaying the automatic payment - couldn't you cancel the automatic withdrawal? Then, you could mail in your payments. Perhaps you'd be able to turn the automatic payment option back on when you become more stable.
Posted by Anonymous on 2008-09-30:
When your account is set up on direct debit option, the business cannot just stop the process. Typically it takes 1-2 months for the auto pay option to be cancelled out. Having said that, Patriot Ins could have told you that the debit attempt would occur, but that they would hold off resubmitting it until you had the funds available (had they been willing to work with you and based on your circumstance), because the 2nd and 3rd attempts are manually done, while the 1st attempt is automatically done by the billing system.
What I hate more than anything is when people proactively reach out to inform a business of their situation and they are still treated like dirt. I hope this works out for you.
Posted by Anonymous on 2008-09-30:
Judge, I'm not saying this company should change the rules, just bend them to help these people out. What happened to companies that actually respond to customers as individuals. If this were the fourth time this person wanted it and was stomping her foot, then I'd totally agree with you. However, stuff happens, life steps in, people are really hurting for money and insurance is illegal to not have. They could have worked with this person and had a happy customer. Instead, we have one more example of big business not giving a flying fig about anything but the almighty dollar. This customer tried to do the right thing with nothing and it's going to cost her more money. That sucks.
Posted by Jeannie on 2014-04-12:
I too was scammed by them. I called to ask a question and it was a non functioning line as well as a new phone company. Not patriot health. My bank has tried to get my money back however they advised me to go to the cops to shut this non existent company closed. However that will not bring my money back. These people are all scammers. Try calling a personal injury lawyer to get a class action case started. Thats my plan. These people disgusted me profusely.
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