Prepaid Legal Scam
prepaid legal scam
Prepaying medical insurance deductible?
My wife is pregnant and her OB said we have to prepay next year’s deductible. This sounds like a scam to me and I’m inclined to refuse. I’m not even sure it’s legal. Anyone know?
Yes, it’s legal, and it’s a very common practice in obstetrics.
What they’re really asking is that you pre-pay for obstetrical services – the fact that you have insurance just means that all you have to pay is your deductible. They will bill the insurer as the services are rendered. If you switch OBs they will almost certainly refund any unused money.
I had to have my portion paid by the beginning of my 7th month. In your case I would make sure not to pay until after January 1st, just in case you wind up being able to claim medical expenses on your taxes this year. I hope not!
It did irk me, too. At the same time it was an expense I knew I’d have to pay, and I know my OB’s’ office worked with people who couldn’t pay it all but were making payments. And honestly taking care of it left us one less thing to have to worry about.
Best of luck!!!
Pre-paid Legal in the news. Scam & Rip-off or Legit Home based business opportunity?
Know The Ins And Outs Of Prepaid Legal
A profitable opportunity is available when an individual pursues the prospect of generating a home business around the sale of prepaid legal services. The opportunities may be profitable but many individuals have raised some very legitimate concerns in regards to selling prepaid legal services. It is important to address the concerns that have been identified, although once addressed an individual will see the potential available with prepaid legal services. Some of these concerns that will be addressed in this article reference the concern about the prepaid legal scam and about the opportunities available to make money with this service.
The legitimacy regarding prepaid legal services should be the first topic to be addressed. Simply defined prepaid legal services represent a collection of experienced attorneys who are offering their services to any member of the prepaid legal services. These attorneys are waiving their usual very high rates in exchange for a small monthly membership to the program.
For a member of the prepaid legal services they now have access to experienced lawyers who are willing to assist you in your legal matters included in your monthly membership fee. When the idea of prepaid legal services was first developed it met with great success which inspired criminals to corrupt the opportunities by creating a prepaid legal scam. This prepaid legal scam made the same promises of a legitimate service at the same monthly rate but offered no real legal assistance. These few incidents placed a negative opinion about prepaid legal services in the minds of many, helping to block the opportunities available with prepaid legal. Time has passed and the prepaid legal scam has been forgotten, allowing legitimate businesses to once again offer these services.
The second concern regarding the money making opportunities available should be no concern at all. The marketability of the prepaid legal plan is high since the product can appeal to any individual that you sell to. Almost every person invests in prepaid health insurance even though they are not currently sick. They do this so that when they do get sick or have an accident they have insurance to protect them from the incredibly high costs of the medical field. Individuals should chose prepaid legal services for the same reasons of financial protection. Individuals do not invest in a prepaid legal membership because they are in legal trouble now; they do it so that they will be protected in the future when legal concerns develop suddenly. These memberships will help the individuals save themselves from the high costs that are related to legal services.
Individuals buy the prepaid legal services to protect themselves in the future although there are services that they can take advantage of without requiring an emergency. If you are looking to buy a car or invest in a home property then contact an attorney to review your contracts and help you understand the legal jargon.
On many occasions, individuals blindly sign the contracts that they cannot escape from simply because they made the decision to sign even though they did not completely understand the legal implications. Let the lawyers with prepaid legal services be that support so that you are not trapped in a contract that is not beneficial to you.
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To learn more about the selling opportunities that are available with prepaid legal services visit the website prepaid legal.
