Follow-up to “The Decision to Stop Paying My Kaiser Health Plan” and some advice
Due to the increasing number of views and comments I get from readers who have read my post on IMG and Kaiser healthcare plan, I decided to write a follow-up. I want to make some clarifications but first, I would like to share videos about multilevel marketing (MLM). Please watch them. Protect yourself and your loved ones from pyramid scams.
First of all, I have no intentions to ruin the name of International Marketing Group (IMG) and Kaiser International Health Group Inc. I am just sharing my experience. There is no harm in sharing, right? I wrote about my experience, what I think about IMG and Kaiser, and what I have learned from the experience. Nothing more.
I did everything I can at that time to resolve the issue with my Kaiser healthcare plan. I contacted the Kaiser representative and emailed their accounting and customer service, requesting their help. I tried my best to persuade the IMG agent to help me look into the whole matter, but she was not willing. You know what she said to me.
The IMG agent did not give me any assurance that she will help. I haven’t heard from the Kaiser person since our first and last meeting. The time when I was with the IMG agent at the IMG office to resolve the matter, the Kaiser person did not even stop to talk with us. He just passed by as if he did not recognize me.
At least, the IMG agent was not giving me any false assurance. The Kaiser representative told me he will investigate the matter, but nothing heard from him. He even told me to keep paying my monthly premiums while he investigate.
I emailed the Kaiser office in Makati, but response was slow and their response did not help. I sent message through the Facebook channel, and their response did not help me either. (I was only told that the reinstatement fee is PhP 300.) No more from them, so I decided to throw in the towel.
I did what most people do after going through a very painful experience. I move on. I am in the process of rebuilding my life and my financial future.
- Never give in to fear, a marketing tactic used by many multi-level marketing (MLM) and sales agents today.
- Be wary when the agent tells you to purchase or sign up for membership right away. When an agent tells you to withdraw money, doubt.
- Examine their words. Multi-level marketing or MLM (commonly known as networking) “pyramid” scams are very popular in the Philippines. The IMG agent told me they aren’t into networking, but “marketing”. Marketing, hell yeah! They way they recruit people to enroll them in IMG and how they earn from recruitment is similar to MLM pyramid scams. Their income is not from the products they sell but from the fee people pay to join IMG.
Points to Reiterate
As to this part of the comment I received on March 3,
we really appreciate this article but you should have written the name of the persons, places involve for more specifications and validity, you could have killed someones life just by firing uncontrol machinegun in the air with out aim and reason,
I would like to rebut with a text from my post which inspired this follow-up post.
Why I’m writing this? Well, I want to release my frustration, express my disappointment… and regret over a stupid mistake that I made.
While I was drafting this post, I had the plan to name names, including the name of that Kaiser personnel who no longer replied to my messages. However, I decided not to after much thought. The employee of the investment firm where I bought my mutual fund did not even name names.
Going to Makati to resolve the healthcare matter was easier said than done. I lacked the finances to do so that time, which factored in my alarm and anger over the “lapsed” payments. But the issue was in the province where I currently reside, so I should resolve it here with the “assistance” of the IMG agent and the Kaiser representative who are working here (if they are still working here). Because they were here, I believed they can help me. But I was wrong.
Contrary to what that IMG CEO said, you can get a mutual fund or investment plan without a Kaiser plan. I attended a seminar at an investment center last year, and they did not mention any prerequisite like a Kaiser plan or IMG membership for obtaining their mutual fund products. They did not even mention IMG at all.
I hope I have made my points clear.
To the people belonging to IMG and Kaiser, it was never my intention to criticize your respective organizations.
To those who are about to sign up with IMG and/or get a Kaiser healthcare plan, please do your homework properly.
To those who want a Kaiser plan but not an IMG membership, ask Kaiser if this is possible. Ask IMG if you can only buy the health plan and not become a member. If it’s impossible (meaning you have to be an IMG member in order to obtain a Kaiser), you know what to do unless you want to.
To those who think of obtaining a healthcare plan, life and general insurance, mutual fund, real estate plan, and allied financial services through IMG, I advice:
- Make sure you visit the physical office of the financial firm who provides the plan or financial product. IMG is just a third-party. Get information directly from the first party.
- If it is possible to visit them at their site, visit their website, email them, give them a call, browse their social media.
- Mention that you plan to obtain their product through IMG. Ask if it is okay to buy their plan or product through a third-party like IMG.
- Wait for their feedback. If positive, proceed. If negative, forget IMG and do business with the financial firm directly. (This is what happened to me.)