Mega Life & Health INS CO

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State: Florida

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Insurance Company Name: Mega Life & Health Ins Co

Name of Insured Person:

Type of Insurance: High Deductible Plan/Health Insurance policy issued in New Hampshire (they offer nothing like it in FL) Deductible is $2500K Purchased in New Hampshire 2002. Have had in Fl since 2003

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After paying the bill for the quarter in the amount of $988.00 on the due date in December 2005, Mega sent me an additional bill a week or longer after the due date wanting additional funds of about $400.00. I contacted them and told them I believe that to be illegal... they stated that it was an increase and I should pay it, I then told them I would notify the board of insurance they backed off and told me I would have an increase next quarter. I received a letter, this weekend, Feb 4,2006 notifying me of 115% increase in premium for the quarter (from $988.00 a quarter to $2124.00!), unbelievable? When across the US the average increase this year was under 7%??? I have contacted them and they said that it is "based on the cost in our area." Can they really do this? If so, I believe folks need to be aware of this across the US! Interestingly enough when we purchased this plan in 2001-2002? The pitch was we "would never have to shop for insurance again..." even if we moved to a different state... sounds like a scam...

***Folks should be aware that a lot of states allow insurance companies to NOT insure folks that have pre-existing conditions. So ultimately, some folks that can afford insurance can NOT quality for it...