Medical Mutual of Ohio Has Misled Me
CLEVELAND, OHIO -- On July 25, 2011, I applied for a SuperMed One personal health-insurance policy with InsureOne Benefits, the Medical Mutual of Ohio's underwriting department.
On August 1, Chris [snip] of InsuredOne Benefits phoned me and also emailed me that my application has been approved and in effect since July 26. The same day, August 1, I was examined by a doctor from the Delaware Smith Clinic, who ordered tests to determine whether or not I may be suffering from Type 2 diabetes and congestive heart failure.
On August 2, I spoke with someone in Chris [snip]'s office, who warned me that, if positive, these tests may be considered pre-existing conditions and advised me to cancel my SuperMed One policy and apply instead for the federally-funded Ohio State High Risk Pool (which is administered by Medical Mutual of Ohio). The next day I discussed my case in more detail with another sales representative, who likewise suggested that I apply for Ohio State High Risk Pool coverage which, she assured me, was equally good and might in fact be cheaper. She canceled my SuperMed One policy and sent an email advising me to to keep my SuperMed One dental and vision coverage. Both InsureOne Benefits representatives failed to inform me that under Ohio law my approved SuperMed One policy cannot be canceled unless I have failed to disclose any pre-existing (that is, diagnosed and treated) conditions (in fact, I had none at the time when I applied).
I was accepted in the Ohio State High Risk Pool on September 1, 2011, but a few weeks later one of their representatives told me that I had been misled by the Medical Mutual underwriters and that I should not have canceled my SuperMed One personal health insurance which was already in effect. It has also turned out that my Ohio State High Risk Pool coverage is much more expensive while carrying a three times higher deductible. I finally filed a complaint on January 25, 2012, requesting that my canceled SuperMed One policy be reinstated due to the bad advice I had received from the underwriting agents.
On March 6, an official from Medical Mutual informed me that my request had been denied because, in her words, even though I may have received bad advice from the underwriters, it was still my decision to cancel my health insurance.