I was charged for purchasing health insurance from PJP Health, when in fact I never purchased any health insurance from them. I just found this charge on my bank statement and I have no idea how it got there. They never called me either, but somehow I was charged.

they wanna know your account number right away then they just wanna hang up on you. don't trust them. he said if you have any question just call another time back. don't diel with them.

This phone number is TESCO SENIOR. It is suposidly a broker for health care insurance. I signed up because I need health care coverage and we went through this whole thing of application and everything and he said that I would get an email within 24 hours of my temp insurance card and never got it. I have tried to call him several times today and NOTHING. So I called the insurance company that it was through and they said that they have no record of my application and that brokers are NOT aloud to charge an application fee and it was probably fraud. The guy already charged my account! PLEASE DO NOT ACCEPT ANY CALLS FROM THIS NUMBER OR JUST HANG UP!

I was referred to a company called "PJB Health Agency" of Melville, New York which promised me affordable health insurance coverage. Their coverage plan sounded good, so I gave them my checking account number, and they quickly debited my account.

However, I have was never issued legitimate health insurance. In fact, I have received nothing that I was promised! After doing some research on this company, I have discovered that the health insurance which they allegedly offer through their affiliate (American Benefits Association of Blackwood, New Jersey), is not health insurance at all, but a medical and prescription discount plan.

I have been scammed by "PJB Health Agency", and the money that was debited from my checking account was done under false pretenses!

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.

I enrolled with them....paid $344.50 and after 35 days I still had not received ANY medical cards OR paperwork or anything about my plan.  In fact, the reps would laugh at me for bothering them, and they would hang up on me, telling me I have no right to be angry my health cards had not been delivered AFTER 35 DAYS OF ENROLLMENT!!! DO NOT SIGN UP WITH THEM!

THIS IS TOTAL SCAM!

It's Protective SmartHealth (protectivesmarthealthpremier.com)