COVERAGE IS OFFERED AT PRICES THAT ARE "TOO GOOD TO BE TRUE."
The coverage being offered has better benefits, but lower rates than can be found from licensed insurers.

YOU ARE ASKED TO JOIN SOME ORGANIZATION OR PAY DUES TO RECEIVE COVERAGE.
A union plan is being sold, but no other traditional union benefits are present. A union plan should not be available through an agent.

A COMPANY BOASTS THEY WILL INSURE EVERYONE, REGARDLESS OF HISTORY OR RISKS.
Coverage is being offered with no limitations on usage, no age restrictions, and all pre-exisiting conditions accepted.

THERE ARE NO REFERENCES TO THE TERM "INSURANCE" IN ANY OF THE MATERIALS OR OFFERINGS.
Make sure your agent is selling a state-licensed product. Watch out if your agent says he or she doesn't need a license because the coverage isn't insurance or is exempt from regulation.

YOU ARE ASKED TO PAY A LARGE SUM UP FRONT OR TO PAY IN CASH.
Never pay by cash. Ask for a receipt far all payment. The receipt should include your policy number, date, and name of health plan.

NO PLAN DOCUMENTS ARE DELIVERED AT TIME OF APPLICATION OF AT A LATER DATE.
If you don't receive plan documents within the indicated time frame, contact the company and demand proof of coverage. Read the plan documents when received.