After filling out a brief questionnaire on ehealthinsurance.com, I was contacted by someone at PJP Health Agency of Melville, New York.

I spoke with someone named Donald Ulrich at PJP Health Agency. He said he could get me in a group health insurance plan because New Jersey has some law that states people in a certain age group or risk factor can be considered a group. I began to become suspicious because I have never heard of that. I am a realtor and even realtors are not considered a group in New Jersey, otherwise I would already have group health insurance. After Mr. Ulrich began to really pressure me to give him my checking account number, big red flags went up. I told him I needed documentation with a plan summary so I could lay this plan next to the plans I was considering from other sources. He then said that the way they save money is by not offering copies of the plan. I said well what about a website link? He said no. I said how can I make a decision about healthcare when I can't compare the plans? He said well you have car insurance and you don't know everything about that plan either. He began to get very impatient and said he could post date my application and I would have 10 days to accept or decline, but I needed to give him my bank information immediately. I asked him if I could come to his office in Melville and meet him in person. He said yes, but said that it would be a long ride from New Jersey. I finally just had to hang up on him because he would not stop saying he wanted my bank information.