CHBA,Consumer Health Benefits Association Sales Rep's bends truth and cost me $259.00

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If you can't trust the Sales Rep. how can you trust the company they work for.

This is just another example of greed that the old and medical needy have to contend with in order to live in this age of high medical bills and low income.

My wife and I are on Social Security  and try to live on $700.00 more than the national poverty  level of $13,300. Not much but more than some, but to live we have to watch every cent that we spend.

Our home is a 23 year old double wide trailer on ten acres. The trailer was old and in bad shape when we got it at about half the price of a new one.  The property was a Hud which had a old house in very poor shape but we were able to pick up for a bid of $11,000.  The county appraisal is less than $25.000 but it is paid for but we have no insurance on it.

We can not afford  a new car so we stay with a old 1991 Caravan which I keep repaired myself and a 1994 Sable which I can�t keep running.

I am over 65 and have Medicare and VA but my wife is only 61 and no insurance.   To get her some insurance would be impossible with the cost.

Even if we took almost half of our income a month around $500.00. And then  try to live on $500.00 a month for everything and $500.00 payment for insurance.

If some thing big happened  all but a deductible $2,500 to $5,000 and a co payment of 20% will be taken care of.   So where do I get the money for the deductible  and if I could come up with that where could I come up with 20% of the medical bill.   My wife�s bill was around $45,000 which comes to around $9,000.

So if I only have $500 per month to live on how would I come up with $11,500 to $14,000 to pay the bill, looks like I had just wasted the  $500 per month payment to the insurance because I still would not be able to pay the medical bill.  This even if we had insurance on her� the bill collectors would be trying to take every thing we own.   And because we do not qualify for any aid we can not look for any help there.

So just what are old people suppose to do.  My wife is 61 and soon will be 62 and will be able to draw her Social Security  which then we will be able to get her some health insurance till she can get on Medicare in three more years.

We did not need to loose the $259.00 to CHBA but I guess I will just have to be a lesson, and this gives me a goal, something to do with my life what little I may have.

To make sure that everyone knows about CHBA and there tricky ways.

Calvin Menefee

My Goal:

(C H B A) Consumer Health Benefits Association, the tricks that your Sales Rep. use to get my $259.00, have given me a goal to get my money back or shut you down at least on the internet. I am a old man with nothing to do but play on the internet, but with a new goal and a lot more time than money, I can keep everyone informed about the many complaints that you have against you. There are new ones everyday. And I intent to put these complaints up where everyone can see.