Patriot Health - Fraudulent and Misleading Insurance Policies
Health Insurance - Complaint
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!