"I initially thought it was confusing"

I initially thought it was confusing, but customer support helped me figure it out. I'm glad I persisted.

"Had doubt at first"

Had doubt at first, but it's been solid for me. Definitely a cheaper alternative to other plans.

"Signed up for basic coverage"

Signed up for basic coverage, and that’s what I got. Customer service has been helpful when I needed them.

"Had doubts at first"

Had doubts at first, but it's been solid for me. Definitely a cheaper alternative to other plans.

"Signed up fast"

Signed up fast, got my ID card late, but after that, no issues. Plan's working fine.

"Scam company! Do not trust!"

I made a video about my experience on my YT channel: EclecticianG.

Yesterday, I wanted to change my Medicaid provider to CareSource and found the (*FALSE*) phone number, 1-888-910-5455, on a website that I thought was legit.

I called up and the man who answered said "CareSource". I told J that I wanted to switch their company. He asked a lot of questions, including WHY I wanted to switch and whether I had any NEW pre-existing conditions, to which I answered that my current Medicaid provider has all the info and I don't have anything new. He collected almost all of my personal data, including name, address, phone, SSN, b-day, and card info. He said he was signing me up with their PPO service as that would be more beneficial for me but, later, when I asked what the difference was between that and HMO, he claimed that there wasn't one (so why are there both, right?). He stated that there wouldn't be a deductible, but there would be co-pays. I asked why, since my current provider doesn't require co-pays, (if I were at a lower tier, the co-pay would be TINY compared to the numbers he gave), and he said he would look into getting that adjusted afterwards (never happened). That was the first red flag - anything involving an agreement should be handled before signing! He stated that, because I needed the switch to occur immediately, it would be in effect at midnight, but I would have to pay a transfer fee of $382.89, otherwise it wouldn't transfer until next year. (Later, I called the real Medicaid Hotline and told them about this, and they said an immediate transfer is not possible - it's always the first of next month - NOT next year!)
He sent me a link and asked me to go through, checkmark everything and submit the application. There were 3 check boxes and 4 files to view. I opened the 1st, which was a "joinder agreement" (he lied and claimed that was just the application), which was a limited partnership ("NALP") agreement that required me to work at least 500 hours online. I told him that and he again was trying to allay my concerns by lying that that wasn't what it was, but the wording was clear. I didn't look at the next one, which had 2 parts, but I looked at the third one, which was labeled "healthcare wrapper", and saw that that was for health insurance coverage for NALPs and employees. I told THAT to him, as well, and he continued to try to mislead me, and that no one had ever questioned it before, so I asked for his supervisor. A woman, M, got on the phone and tried to tell me that the purpose of those documents was for the application. When I informed her that the documents were not that, and I read snippets from it, she said that it was just so that we're aware of the relationship between the underwiter and CareSource, to which I responded that, no, it's a partnership agreement between me and IP, and it absolutely doesn't match what she was describing. She again tried to trick me, but I rebutted by pointing out that, if the purpose was only to inform us of the relationship between the underwriter and CS, then why did each checkbox say "I understand and agree to...", and there is absolutely no reason that patients need to see an agreement between the provider and the UL. She finally came around, though, I suppose because she realized I wasn't going to fall for her BS, and agreed that it was concerning. I pointed out that it was a legally binding document and if it were litigated in court, she and J would be called to the stand and be held liable for misleading patients. I told her that I wanted her to talk to their legal team and have that whole thing rewritten so that it reflected what she had said it was about, and that I wanted the legal team to contact me afterwards, and that all patients should be informed of the corrected documents and be able to agree to them. She sought to verify her understanding (more like wiggle out of it) and said that I wanted her to have the legal team save the recording of my call (which I hadn't asked for). I said that would be great and then further clarified what I wanted to happen. She then seemed to understand. The next screen after that showed a link to the program plan, which listed the initial and monthly fees but, whereas J had told me that I would pay the initial fee to make the switch immediate, it also showed I would be paying over $200/month after that. I told her I wanted to talk to J but I had a question first. I asked, verified my phone number, was put on hold, and she hung up. Later, I called back 3 times and was hung up on each time.

I had to cancel my card and file a fraud alert to protect my identity. DO NOT TRUST THESE PEOPLE!!!!

"Affordable"

Affordable, straightforward coverage. Took a bit to understand the details, but all good now.

"Overall"

Overall, a positive experience. Worth the cost, although not flawless. I was able to get some classification from customer service.

"A few hiccups at the start"

A few hiccups at the start, but once I got everything sorted, it's been smooth. Saving money, so I'm good.

"Needed something affordable after…"

Needed something affordable after losing my job. Coverage isn't perfect, but it gets the job done.