TVP First Health -scam??

So, I feel like an idiot. I signed up for this insurance that i’m sure now is a scam. & i need to figure out how to get my money back bc i can’t afford this. Im 19 & it was my first time buying health insurance.

I have been reading stories from countless people getting scammed by these people. I talked to a rep from Pennie who said he’s had other people come to them about TVP. He said what seems to happen is everything seems to be covered but once you’re done your doctors visit they’ll send you a bill. He also said since my income is ~22k a year that i qualify to pay much less than the $300 a month TVP is asking for. He quoted me prices from other companies at like half that amount.

They claimed prescriptions were covered, I went to CVS and they said it showed up as a discount card (& not even a good one cuz the price was higher than my GoodRx coupon which is what i ended up using) . I asked about coverage for a specific provider and a specific surgery . I was told the provider was in network and covered and that the surgery was also covered. I have an appointment scheduled for next week but i’m gonna be cancelling before then bc i can’t afford to find out if they’ll send a bill.

I’ve already paid three months worth of payment (over $900) and haven’t used it . I really want to know if i can get a refund. They led me astray and lied about what was covered.

The rep from Pennie recommended i cancel and try to get a refund. he suggested telling them i’ll call the DOI. Any experience or advise is appreciated.

submitted by /u/kngcade26
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