Consumers seeking health plans exempt from Obamacare are regularly misled by sales reps, the GAO found.
Healthcare sharing ministries siphon enrollment from legitimate health insurance plans, thus weakening the latter and likely driving up their costs.. These “sharing plans” are arrangements that don’t guarantee that enrollees’ claims will be paid at all.
If your needs fall into any of those categories, you may find yourself on your own. In other words, the supposed savings may be entirely illusory.Because these details are murky, consumers seeking such plans can be easily misled. That’s what the GAO documented. Of the 10 others, however, two provided inconsistent or confusing information about what the GAO agents were buying. The other eight sales calls were even more troubling.In all eight cases, the sales representatives told the callers that their diabetes would be covered, even though plan documents the GAO later received made clear that diabetes would be excluded as a preexisting condition, wouldn’t be covered for 12 months, or that the plan limited the number of covered doctor visits.
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