Transcript for: Undercover GAO Special Agent Seeking Health Insurance
for the Pre-Existing Condition of Diabetes - Audio Recording 3

Description: The sales representative we spoke with engaged in
potentially deceptive marketing practices by misrepresenting and
omitting information. 

Related GAO Work: GAO-20-634R, Private Health Coverage: Results of
Covert Testing for Selected Offerings

Released: September 2020

[ Title on on screen: ]
Undercover GAO Special Agent Seeking Health Insurance for the
Pre-Existing Condition of Diabetes

Audio Recording #3

[ Title on screen: ] 
The sales representative we spoke with engaged in potentially deceptive
marketing practices by misrepresenting and omitting information. 


[Sales Representative:] ...so there's just a few things I want to go
over with you. So if you're trying to find something that's going to be
in the $200 range, if you're trying to find the best, most affordable
plan, there's a great private option available for you in Florida. It's
going to provide you with unlimited doctor visits, diagnostic testing
for blood and lab work throughout the year, medical, surgical, and
hospitalization coverage all with no deductible. And it's being offered
at $266.96 on a month-to-month basis...

[GAO Special Agent:] You said that's the best, right? Will it cover my
diabetes and everything and my insulin? 

[Sales Representative:] Yes, absolutely. So with this policy, with your
medications, all of those will be covered up to the first 80 percent of
your generic and name brand prescription...

[GAO Special Agent:] Now this is going to cover my diabetes, right, and
my insulin and that, that I need?

[Sales Representative:] Yes. Absolutely. Because you have that
prescription coverage in there. 

[GAO Special Agent:] I mean, because it sounds like a lot of money.

[Sales Representative:] I mean, it's covering, you know, you're going to
have all of that medication being taken care of for you. You're able to
do 90-day supplies of those generic or name brand prescriptions. 

[ Title on screen: ]
Plan documents we obtained after purchase stated that pre-existing
conditions (e.g. diabetes) and prescription drug costs were not covered
by the plan.