If I could give Multiplan PPO negative numbers, it would be a Negative 100 infinity. This is a scam. 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. read more
