Most of the people complaining about these plans either:
a. Don't understand how their plan works, therefore are disappointed in their uneducated choice of their plans.
b. Never worked with a broker to explain how the plans work and check the doctor's participation.
c. Are on Mass Health (which is completely different from the stand-alone commercial plans) and don't understand how their plan works.
The average person doesn't understand many things about how plans work (for example, a high-deductible, lower premium plan). If you work with a broker (which is free) they can help you through all of the confusion and misconceptions.
These plans are the best value (most benefits for the lowest premium dollar) available. NHP is growing and getting better every day. It is one of the few carriers that offer affordable options to people struggling with healthcare costs.
NHP has won awards, for crying out loud! Check their website nhp.org
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