|New Benefits / Galaxy Health Providers|
|Trying to coax checking account number from me before giving me an application |
|25th of Aug, 2011 by Scaminator |
|Talking to the the representative was 100x worse than speaking with a used car salesman. |
I made the mistake of entering my firstname and phone number at health insurance quote site. Within literally one minute I had a call from New Benefit. I wasn't able to take their call, as I was already on the phone. They called 5 times in 15 minutes. That alone should have been a red flag.
Just as I had put down the phone, I got yet another call from an agent of this company. He had a thick New York accent and my caller ID showed that he was calling from near the Bronx. As I answered the phone I was thinking, "Now why in the world am I getting calls from a New York company for health insurance in Southern California".
Right off the bat he begins his spiel. Talking fast, telling me that he had a plan I was *guaranteed* to love. I'm siting there like wtf--that morning I had spoken with agent s from Aetna, Blue Cross, and CIGNA, and not a single one actually spoke like that. He doesn't even ask if I had pre-existing medical conditions before he gives me a quote, which makes me vary wary. Alarm bells start rining when he tells me that I can have amazingly awesome coverage for $59.99 month.
I'm healthy and relatively young, so I can get insurance at a fair price, but I've yet to see any company willing to extend no deductible, no-copay insurance for that price. At this point, this whole company is smelling fishy. He says that the coverage is through Galaxy Providers, some crap I've never heard of, so of course I ask if they have coverage in the Los Angeles area while Googling for this company. I didn't find Galaxy providers anywhere, but I did find the New benefits site, and it's pretty light on information: http://www.newbenefits.com/. After browsing the site it's apparent that this is a "health discount club" and not actual health insurance.
Funny, I can go to Blue Cross or Aetna or any other legitimate insurance site and see their standard plans, yet this site tells me NOTHING. I'm sitting here looking at this company's sh*t site, and decide to test his honesty. I ask the agent the URL for his website, so I can review plans online. He dodges the request by saying that the perks were awesome. I simply shoot back that I'd like to read the details for this awesome perk myself, to which he replies that I can have everything in an e-mail.
Now here's where it gets super shady: I agree to receive an e-mail with details about the supposed plan, but he insists that I have to give him my checking account number to "lock in these great rates". Of course I balk at this. "Why do I need to give you my checking account number just to receive information about a plan?!" His genius response is that "when you make a hotel reservation you give your credit card or banking number, right?" Idiot. After pointing out that health insurance is not the same as a hotel reservation, he starts getting upset and tries some oily 'compromise'; I don't have to give a prepaid debit card instead of a bank account number. It's interesting to note that he never gave a credit card as an option, probably because credit cards have more stringer fraud protection.
After telling him bluntly that I was most certainly not giving him any of my financial information, he tried to smooth talk/dodge his way out of the issue by reiterating that I would not be charged until I returned the application. At this point I was thinking, well ok, now he's getting the idea, so I was like sure, go ahead and send the application. Then he tries to smoothly say "Ok, now if you can get your checkbook". My jaw dropped. Did this guy really think I was that stupid? Apparently, because I was like "Uhhh...Idon't think we're on the same page. I AM NOT GIVING YOU MY CHECKING ACCOUNT NUMBER!", and then the line went dead.
Really, I can't see how these guys are not a scam. That has to have been one of the shadiest and most obvious attempts at fraud that I've ever witnessed. Stay away from these people. Actually, should they call be sure to tell them that you know they're a scam and then tell me to f**k off.
|To the author of this note:|
My name is Robert Morfin. I am Vice President of Compliance for New Benefits, Ltd. We do not sell direct to consumers, nor do we make any marketing calls. Could you please contact me so we may determine who called you purporting to be New Benefits? Thank you in advance.
972-404-8192 ext. 1802
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