Hi everyone,

i am in need of health insurance. I have been researching some company's and I recently submitted a request for a quote online. I was reached by a rep on my cell phone. The company is called shplans.Com and they claim that their parent company is protective life corporation. The following is the break down of some of the benefits that she stated over the phone:

60% discount on doctor visits
45% discount on prescription and for an additional $29.00 per month, this can be raised to 80% discount on prescrips.
$100 copay on er visits and 100% discount there after.
All claims are handled through whats called patient advocacy reps... (???)
the processing fee to sign up is $100
the premiums are $120 a month.
She said I can be covered in about an hour following the receipt of payment.

The plan also includes life insurance for up to $10,000
she also said it includes vision, and dental discounts.

Does this seem legitimate?
The rep just seems to eager to sign me up. I dont know if this is a legit plan or what.....

The strange this is that she mentioned that they also cover pre-existing conditions?!?!

Also, she said that doc visits are normally $60-$80 and that my payment therefore wont be large :| plus, she says that if additional lab tests are conducted, such as cultures, and blood tests, the patient advocate would negotiate with the doc to get the best rate for me. Lol

to top it off, I asked her for an information packet and she replied that they dont give out info until I sign up (ie. Fork over the cash). She explained that they do this in order to minimize business costs... :s

lastly, she says they are located in florida and dont have local offices in pittsburgh.

I would like to get some feedback before proceeding with this.....

I am also using the ehealthinsurance.Com and found the aetna hmo plans to be more legit....

Thank you all in advance for your kind replies...