Michael Bernstein Universal Insurance Concepts

— – Update — –
After telling me on three separate occasions he would «get this sorted out ASAP,» «I’ll have this resolved by tomorrow,» etc., Mr. Bernstein failed to deliver and has since dropped contact completely. This man clearly has little to no integrity and will blatantly lie to make a sale.
It seems interesting that prior to my Unilocal!there was no information about Michael Bernstein on the internet whatsoever other than his own rinky-​dink website which offers no information whatsoever. This seems strange for «a top performer» who has «been in the industry for 13 years.» If by «top performer» you mean «sells lots of insurance by scamming people with false rates and then signing them up for higher ones without their consent» I’d say you’re right on the money.
My issue isn’t that my premium differed from what he quoted me so much as the fact HE DID NOT EVEN DISCUSS THIS WITH ME BEFORE SIGNING ME UP FOR THE PLAN!
Avoid Michael Bernstein; if you’re looking to switch health insurance just call the company directly to get the real deal. When two separate people report the exact same thing, it doesn’t take a rocket scientist to see a pattern developing.
— – Update 2 — –
After doing some more digging I discovered that there’s no way the difference between his «quote» and my actual payment is the insurance company «rate-​ups.» Michael quoted me «about $ 109/​month» for Aetna’s PPO First Dollar 25 plan based on my age and location. If you look at Aetna’s rate book for this plan in my area (SE Pennsylvania) at
(page 6), you can see that there is NO age-​bracket that is even remotely close to $ 109! I ended up paying $ 162/​month, exactly what Aetna has listed for my age bracket and location. There is simply no «rate-​up» going on here, I have no undisclosed medical problems, Michael just blatantly lied to me about the monthly premium, then went ahead and signed me up for the plan despite the fact it’s over $ 50/​month more than what he quoted me.
Do your research beforehand, unlike I did, and don’t get burned by this dishonesty.