Being so desperate to get insurance (I had several necessary prescriptions that I'd gone months without at this point) I finally took their call (April 9, 2010) and worked with an "Eddie Ferrero" to find a "program" that would work best for me. He asked for my information, including my bank account information so that I could have the money taken out of my account to start my insurance.

He sent me several papers to sign over e-mail and then promised that I would receive my insurance cards for a short-term, 6 month program in the mail soon. After a month of no cards, I called the company again and was promised that my cards were on their way. At this point, $344 had already been taken out of my account for 2 months of insurance of which I had yet to reap the benefits.

At this point, I decided that it was better to cancel this insurance and sign up with a more well-known company. However, the numbers that I were given just rang and rang, or if someone picked up, it was a voice message system that claimed to be "full" so I couldn't leave a message.

4 months into this (August 26, 2010), I was finally able to reach what I thought was the company and cancelled my insurance. This, however, only cancelled part of it, so money was still being taken out of my account, though it had reduced to $62 instead of $172. After realizing that I had been dealing with more than one company, I was able to cancel every other "plan" that I had been set up with, except for the one directly from PJP Health.

I called and called and got no response for months. Finally, on November 29th, almost 2 months after my plan was scheduled to end, I received an e-mail from the "Eddie Ferrero" I had originally worked with, asking me if I wanted to renew my plan since it was "due to end soon." I wrote back rather angrily that I had been trying to reach him for months unsuccessfully and that he should consider that e-mail my official cancellation of my plan and that if any more money was taken out of my account, I was going to take legal action.

My account was then debited $54.95 again on December 20th and after some research, I found this website and realize now that I was scammed. I really couldn't afford this to begin with and just really want all of this to end.