Don’t Be Fooled by First Health: It’s Not Real Health Insurance

What Is First Health - And Why Are People Calling It a Scam?

First Health is often marketed as a full health insurance provider. But here’s the truth:

• They’re not a major medical insurer.
  In most cases, they’re offering a discount network, limited-benefit plan, or referral to a third-party policy—not comprehensive ACA-compliant health insurance.

• They use misleading sales tactics.
  Countless people report getting cold calls where agents claim to represent Aetna, BCBS, or UnitedHealthcare. These names sound legitimate - but the actual coverage doesn’t hold up.

• They don’t send full plan details up front.
  Many people are pressured to pay before they ever see what’s covered. Some never receive a full policy packet at all.

Real Complaints from Real People

You don’t have to take my word for it. Here are a few actual complaints found on public forums and review sites:

• “They lied and said I’d have major medical coverage. The plan covered next to nothing - and when I tried to cancel, they wouldn’t stop billing me.” – BBB Reviewer

• “The hospital told me my First Health plan wasn’t real insurance. It was just a discount card.” – Reddit user

• “They said I had a 30-day refund period. I called back within a week, and they told me it was too late.” –Trustpilot Reviewer

If you’re paying monthly for “coverage” that no doctor accepts, you’re not alone - and you’re not stuck. But you do need to act.

How to Spot the Red Flags

Here are some common warning signs you’re not dealing with a real insurance provider:

• “This offer expires today” or “Sign up before the end of this call”

• Refusal to send a detailed plan brochure or Summary of Benefits

• Providers don’t recognize the plan name

• Monthly premiums seem “too good to be true” for the promised benefits

• You’re charged before you understand what you’re buying

What to Do If You’ve Been Misled

If you think you’ve been tricked into one of these plans, here are a few steps you can take:

1. Call your bank or credit card company to dispute any unauthorized charges.

2. File complaints with the Better Business Bureau, your state insurance department, and the FTC.

3. Report it to the National Association of Insurance Commissioners (NAIC) or your state’s Department of Insurance.

Here’s What I Do Differently

As a licensed HealthMarkets agent, I’m held to real compliance standards. I help you:

• Review legitimate, ACA-compliant plans through Covered California
  

• Compare supplemental options that fill in real gaps (hospital, accident, income protection)
  

• Understand exactly what’s covered before you ever make a decision
  

• Access trusted carriers like UnitedHealthcare, Aetna, Cigna, Anthem, and more
  

• Find affordable options without sacrificing reliability

You’ll never get pressured. You’ll never be left guessing. And you’ll always have someone local to call - not a robot, not a call center.

Don’t Pay for Fake Peace of Mind

It’s easy to get fooled when you’re just trying to protect yourself or your family. That’s why it matters who you work with.

If you’re unsure about the plan you currently have - or if you’re just tired of guessing, let’s talk. I’ll walk you through your real options and help you secure coverage you can count on.

Call or text me: 619.754.5021
Serving individuals, families, and small businesses across California