Pros: working through a clinic, I had a terrific surgery from a great orthopedic surgeon. That…read morepart is definitely worth five stars. Cons: With Affinity, and maybe all Obamacare insurance plans, you need to do extra work. I had to identify the doctor, find what clinic he worked at, find a day he would be there, first see an orthopedic doctor and then a much less experienced orthopedic surgeon and then, on pleasantly insisting that I needed a second opinion, got the doctor I wanted, who did an excellent job. Situation: with Affinity, like many other Obamacare plans, I needed to go through a clinic and make multiple appointments - just seems to be how things work. I couldn't just make an appointment with the doctor at his private practice. Other notes: there was an Xray charge that Affinity told me it wouldn't cover because the doctor hadn't pre-authorized it and told the hospital something else. We'll see where that goes. Upside: all along, I've been able to get someone from Affinity on the phone about bills (this has happened only a couple of times) with little wait. The outcomes aren't always what I want, but there is communication. About Jess's concerns with finding doctors: yeah, they're not big on OB/GYN. In looking into alternatives, the thing I learned is to never rely on what an insurance company has on its website regarding its network of doctors. You have to call the doctor's office directly and ask them what insurance they take and mention, if Obamacare, that you have a marketplace policy. This is true not only of Affinity but with all of them. Summary: with patience, you can get what you want, but it takes research and time and may involve more doctor / clinic visits than you would like. PS: My family is switching plans. We have a couple of doctors we like, and they don't take Affinity.

They are the most dummist people I ever met I talk to 8 representatives 2 supervisor I have 3 of my…read moregrandkids only 1 is not active and we all live in the same house in there computers only one is not active and they gave me a run around for total of 7 days they do not no wat there doing no communication with each other at all they gave me 8 diffrent stories in a week neaver herd nothing like it I'm changing all my grandkids insurance

To Multiplan Insurance, this is in regards to a Mental Health outpatient service that you use:…read moreClearview Outpatient (Odyssey Mental Healthcare) : 200 s Los Robles suite 250, Pasadena, Ca 91101, (626) 317-8669. I wish to advise you that they have disappointed me and that I suggest that you review their operation and staff to verify if they are worth keeping them as a vendor. Note my review on Google: (Pasadena location: Horrible experience, unprofessional staff. I am now worse because of how the staff mishandled my illness. It was not a safe place to reveal my most vulnerable traumas. It seems like they used my traumas against me. Eternal shame on Clearview forever. We will be watching this review to see if it's deleted. Also to all insurance companies that use Clearview, I'm extremely re-traumatized and disappointed with Clearview staff and ask if Clearview is more of liability than an asset.)

If I could give Multiplan PPO negative numbers, it would be a Negative 100 infinity. This is a…read morescam. IT IS NOT INSURANCE. They offer "discount" service....whatever that means. I don't know why they exist. They say, "people are confused about them." Do you know why? Because they lie, cheat and steal. If it were legit, there would be no confusion. If they had scruples, they would tell you exactly what their "discount" will be. No matter how you look at it, they take your money and run. I signed up because they said I would be covered if I needed medical help. It is sold as a "discount" plan. Words like, "Up to" and "Covered" are used. You are "covered," but the coverage is extremely low...meaning 10%-12% off the total bill. You pay 88%-100% of the bill. I was told I could get one Preventative Care appointment and that it was covered. Turns out, they straight out lied to me. It was NOT free and it was barely covered. When I called before my appointment to be sure I wouldn't be charged, they said, "You are covered, don't worry." After the appointment and when I received the bill, I called and spoke to Chris, the stupervisor, and he said smugly, "You are covered, but we don't pay 100% of anything. This is a discount service. Didn't you read your pamphlet?" I said, "Yes, and I also called and was assured that I would get a preventative care appointment to get established and that I wouldn't pay anything." Chris said, "Well, the person that told you that was wrong." He was so smug and arrogant about it. I couldn't believe what I was hearing. No morals. No conscience. They are ripping people off. The discount he talked about was 12% of the total bill. I am on the hook for 88%. If I knew that, I wouldn't have gone. It was just to get established at the Dr. Office and I was told I wouldn't pay anything by two people. I already paid for this bogus middleman. The appointment cost $545. I had to pay $430.33. That is NOT coverage. It is NOT insurance. It is a middleman collecting your money. I paid Multiplan PPO $1500+ for "insurance." If I had no insurance, I would have saved $955 and just paid for the appointment. If you are at an emergency and had a $15,000 bill, they would maybe discount it...by whatever they want. You are on the hook for the rest. The staff are nice UNTIL you sign up. Classic con man move. After you sign up, they are hard to reach, they are rude, disengaged, couldn't care less and smug.

I thought I could trust AARP and get the insurance that they endorsed because of their reputation,…read morebut after reading the reviews for New York life insurance on Yelp, I frantically was trying to get a hold of customer service also to rectify the situation to cancel my policy ASAP took me a little while, but I finally called this number1-2125767000 and followed the prompt and sure enough soon I was talking to a real life agent friendly professional looked up my account without anything, but my name and Social Security number. I told him I was in financial distress and needed to cancel until I could afford insurance again, some other time he went right in deleted my financial direct auto pay information and cancel my policy and gave me the professional piece of mind. We all deserve if you're still having problems with their customer service call this number and it should work as well for you as it did for me! next time I'll do my research thoroughly before I am best!!!

I cannot believe I've been dealing with my refund from New York life since May!…read more I was told they will send forms out for me and my husband which we signed and sent back. We cancelled our policy within a 24hrs because when I called them to confirm that was a life time price....they said no it changes when we are 65....i said I want to cancel it because that's not what was said. So they said ok sent us a letter we signed and still waiting. Called today the gentleman said we get no refund because it was longer than 30days? What was longer than 30days? We called in 1day...Don't treat people like there stupid I want my refund like I was told