On 5/19/2020 i called Health market place seeking for a health insurance . I spoke with a male person by the name of Mat who stated he had a really good insurance without deductible and 0 copays. I asked him what kind of insurance is that because I never heard of it. Mat stated "is called the Multi Plan and is really cool". I hesitated and told him I will call him back, I called Mat back and asked what type of insurance it was and he said it was a PPO. I told him if to look and see if they had my doctor in their system and he said " yes". So, I asked him to call my doctor and ask them if they are contracted with Multiplan, he had me on the line with my husband for a while and he came to the phone. He said they were on the other line and they said they were. I stupidly trusted him and went ahead and enrolled with them. I called my doctor to set up an appointment and I told them I had a new insurance, I told them what it was and they said we are not contracted under them. I told them their name was in their system, the staff stated they were at some point but they are not anymore because they a re not a good insurance. So, I spent several days calling doctors from the list and asking if they took that insurance and I could not find anyone that took that insurance. I called back and asked them that I wanted to cancel because no one in Tucson AZ takes that insurance. A staff noted I was very upset and called several people on the phone and stated I found this doctor that takes this insurance. Which is my current doctor, I made an appointment over the phone and went to my appointment with the card. When they took my card the staff stated that the system kept saying it was an error and it was not active. I called the insurance and told a n agent that they doctor's office was saying that my insurance was not active and how come. He went in the system and he said he found the error and fixed so it was active now. I told him I have been paying since May and the appointment was in August for my insurance not to be active? That is not the only thing, I found a job in October and I called the Multiplan to cancel the insurance because I had insurance through work and they got really mad. Then a few months after I received some paperwork frim IBA with an explanation of the benefits and to my surprise they didn't cover anything leaving me with a $1, 000 bill. The bill I received it 10 months after the doctor's appointment and I didn't know anything. Then it says $0 of deductible was not met when I was told there was no deductible and no copays. This insurance is a scam and they are ripping people off!!! I am putting a complaint to the BBB and that is not all I called the number to contact IBA and it says is no ;longer the phone number. In the papers it says this is not a bill but it eventually became a bill.