I recently became acquainted with a company named US Health Advisors, prompted by a former colleague who is currently employed there.
This led me to investigate the company to understand more about its operations.
I discovered numerous unfavorable reviews and accounts of negative experiences related to both employment with and the purchase of insurance from USHealth Advisors.
According to the Better Business Bureau, although the company has been in operation since 1959, it is not accredited.
U S Health Advisors Lawsuit:
If you’ve worked as a U.S. Health Advisors agent, you might be eligible for compensation from a lawsuit against the company.
The lawsuit alleges unfair and deceptive practices, such as not paying owed commissions, false promises about earnings, and misrepresenting contract terms.
Individuals employed by U.S.
Health Advisors between January 1, 2008, and December 31, 2016, may qualify to join the lawsuit and seek owed compensation.
Is USHEALTH Advisors a Legitimate Company?
For those considering a job with USHEALTH Advisors, it’s important to note that the company is legitimate.
As a subsidiary of USHEALTH Group, Inc., a holding company for multiple insurance firms, USHEALTH Advisors has been in business since 1971.
Headquartered in Fort Worth, Texas, it holds BBB accreditation with an A+ rating.
The company’s mission is to provide quality, affordable insurance solutions, offering a range of health insurance plans.
Who Owns USHEALTH Advisors?
USHEALTH Advisors is a subsidiary of USHEALTH Group, Inc., led by President and CEO Bruce Telkamp. As of December 31, 2018, the company reported $746 million in total assets and $532 million in total liabilities.
Is US Health Owned by UnitedHealthcare?
No, US Health is not solely owned by UnitedHealthcare. Numerous health insurance companies, including Aetna, Blue Cross Blue Shield, Cigna, and Humana, operate independently in the US.
USHEALTH Advisors Headquarters:
USHEALTH Advisors is headquartered in Fort Myers, Florida, operating since 2006, specializing in health insurance products and services for individuals and families.
What does USHealth Advisors entail?
USHealth Advisors, headquartered in Texas, functions as an insurance holding company affiliated with UnitedHealthcare and operates as a subsidiary of USHealth Group.
Their coverage extends to 33 states, with a specific emphasis, as outlined on their LinkedIn profile, on catering to the needs of individuals, families, the self-employed, and business owners.
Is USHealth Advisors operating as an MLM?
USHealth Advisors refrains from publicly declaring itself as an MLM, short for a multi-level marketing company—a business model fraught with controversy, known for causing financial losses for the majority of participants.
Are MLMs Pyramid Schemes?
While USHealth Advisors hasn’t officially labeled itself as an MLM, its operations parallel typical MLM practices.
We derive these insights from varied sources, including Reddit, Glassdoor reviews, and the Better Business Bureau, outlined below. Relevant links for further exploration are in the references.
US Health Advisors engages salespeople as independent consultants or 1099 employees, distinct from regular employees eligible for benefits or hourly wages. Compensation is commission-based.
In the system, a team-building and recruiting element is apparent through multiple Facebook pages like Team XYZ, with job postings actively seeking individuals described as team players.
Despite no public disclosure in the compensation plan, Glassdoor reviews imply the existence of an “upline” benefiting from one’s sales (see reference #5).
Mentorship claims are prevalent in USHealth Advisor job postings, emphasizing training under accomplished mentors—common in many MLM setups.
USHealth Advisors touts unlimited earning potential, a well-known recruitment tactic used by MLMs to attract individuals to their model.
Assessing USHealth Advisors as a Workplace:
Factors to Consider
Commission-Based Structure:
- Earnings are contingent on sales, meaning no sale equates to no commission.
- Sales completion relies on successful insurance underwriting, introducing potential complications.
Uncertain Earnings:
- The absence of a minimum income guarantee implies potential weeks of effort without financial return.
Lack of Paid Time Off:
- In the absence of sales, no compensation is provided, making taking a vacation financially unrewarding.
Controversial Sales Leads:
- Better-quality leads are available at a cost, raising financial challenges for those new to the field.
Consideration for Sales Enthusiasts:
- If a sales role in health insurance, with unpredictable pay and limited benefits, aligns with your interests, it may be a suitable choice.
Also read: Is Mochi Health Legit
Relentless Calls from US Health Advisors: What to Do
USHealth Advisors has been the subject of numerous complaints regarding persistent calls from their representatives, even leading to a class action lawsuit.
Moreover, some individuals assert that despite requesting placement on the company’s internal do not call list, they continued to receive solicitations.
Here are a few steps to halt these incessant calls:
Request Inclusion on Internal Do Not Call List:
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- Politely ask USHealth Advisors to place your number on their internal do not call list.
File a Complaint on BBB Website:
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- If the calls persist, consider filing a formal complaint on the Better Business Bureau (BBB) website.
As for the legitimacy of USHealth Advisors, there is no evidence suggesting it is a scam or engaged in illegal activities.
However, numerous complaints have surfaced regarding both association with the organization and dissatisfaction with the health insurance they offer.