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How can you tell if health insurance agents are scam artist?

To make a long story shot, I want to purchase health insurance for my family because of self employment. I used a insurance plan finder off the internet, that is well known to pull up plans, agents, and prices of plans on the internet. Of course, when I put my personal information in the recommended places so agents or retailers could call, I had tons of agents called. When I looked into a few of the quotes and offers that were thrown at me, one particular health plan sounded good and fit into my budget. But, when I asked the agent or retail person who was selling insurance for a brochure of the plan and company providing the insurance, I was told that there was nothing available. The retailer stated that her job was to tell me what the insurance provider offered, process my order, and then the insurance company would send me the policy. This particular insurance company waives all physicals, blood work, and other enrollment rules because of new laws, but there is a hefty enrollment fee. My question is how can I verify or look at what the insurance company has to offer, when the retail lady or agent won't give me any information. I know it could be a scam, but the monthly fee is in my budget, and I need health insurance. I will look around for better insurance groups or reliable agents, but isn't the law that the retailer or online health insurance agent must make the health insurance plan information available before purchasing, The agent stated that plan is a month to month payment, no contracts, and that the insurance group doesn't give out brochures because I should be able to tell if I like the health insurance plan with in 30 days of purchasing the health insurance plan. Please don't think i am ignorant, its just I have never had to purchase health insurance before independently.

Asked By: J X - 9/22/2010
Best Answer - Chosen by Asker
In terms of getting a brochure or other marketing materials -- the response you are getting from the retail agent is possible but unlikely. Even if there were no brochure, the agent should be able to offer information on the companies website where you should be able to look up the doctors that accept that plan and... More
Answered By: Margarita D - 9/22/2010
Additional Answers (4)
I would NEVER buy health insurance that does not offer a brochure or more information. Legitimate businesses will more than willingly offer you information and not having a brochure or information pamphlet is a very good sign that it's a scam. I wouldn't give them any information and if they ever contact you again... More
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Answered By: Exclusively Yours - 9/22/2010
 
It is a discount plan. They WAIVE the physicals and medical questions because it isn't insurance. Their plan won't even qualify in 2014 as an insurance plan so you'll still have to pay the penalty tax for not having insurance Your first mistake was putting your information in to that site because all they do is sell... More
Answered By: Insurance Pickle.com - 9/23/2010
 
Well, you can just start with "I found it on the internet". That's probably the WORST way to buy health insurance, or any insurance, unless you're an EXPERT. Which most people aren't. And most EXPERTS, btw, use a local agent... More
Answered By: mbrcatz - 9/23/2010
 
If you cannot receive written information before you pay, then it is a scam. If there is any information you need that you receive by telephone and cannot receiving in writing, then that information is almost definitely wrong.
Answered By: StephenWeinstein - 9/24/2010
 
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