Anyone Heard of USHealth Advisors?

[Stephen]

I have to pay big penalty on my 2016 tax return for not having a health insurance, and just got a call the other day from some lady with USHealth Advisors saying that she can get me plan for family of 4 for $450 a month(less than my penalty) with $4,000 deductible for each life treating
Illness (each case not whole year) and maximum $7,000 out of pocket. Pay nothing for doctor visits and i don't have to pay the ACA penalty.
Does it sound legitimate? Thanks in the advance! Stephen

 

[soonersfan]

I think they are a legitimate company but the particular plan they are trying to sell you might be junk. You need to read the terms and coverage of the plan. It sounds like a catastrophic plan that only covers certain illnesses/injuries. It may have a maximum payout. So, you might pay the first $7,000, they pay the next $30,000 to the policy limit and you are on the hook for whatever happens in excess of that. I would read the plan and the coverage limits. I would also ask them to make any guarantees about ACA in writing. If nothing else, you could end up with catastrophic coverage which is a good idea and save money on the penalty. It doesn't hurt to read the thing and shop around though.

BBB Business Profile | USHEALTH Advisors, LLC

 

[Stephen]

Thank you, the more I look online more confused I am. It doesn't look like it will satisfy the ACA.
I guess I am looking for someone with firsthand experience with them.
Or anyone with any better recommendations!

 

[soonersfan]

Thank you, the more I look online more confused I am. It doesn't look like it will satisfy the ACA.
I guess I am looking for someone with firsthand experience with them.
Or anyone with any better recommendations!

There are some local health insurance brokers. I don't have any first hand experience with them but I think I would feel better about walking into a local office and getting educated than trusting a telephone sales rep.

 

[Stephen]

Yes, that is how I felt as well.

 

[John6185]

How did they obtain your name and phone number? That would be my first question, the IRS isn't supposed to release information such as this as far as I know. I'm suspicious of all phone calls out of the blue that offer something-they always want something.

 

[tomthebaker]

Catastrophic plans are illegal under the Obamacare rules.

 

[Stephen]

Catastrophic plans are illegal under the Obamacare rules.

Wait, so no go?

 

[tRidiot]

Catastrophic plans are illegal under the Obamacare rules.

I don't know about "illegal" so much as "non-qualifying".