Shargel & Co.

★★★☆☆
  • 703 Market Street, Suite 901

    San Francisco, CA 94103

    Map & Directions
  • 415-543-8949

About Shargel & Co.

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  • Insurance Brokers

Insurance

Insurance
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3.0 2
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Carol, it saddens me to read that you were not happy with the advice you received from me and my staff. Along with an apology to you, I must offer readers clarification on several points because it is important that they understand the facts.

Our clients rely on us to carefully review the many plans available on the market today and recommend those that provide comprehensive coverage at the most satisfactory price.

We scrutinize the plans and carefully search for the holes--the coverage gaps that could cost you dearly at time of claim. We reject more plans than we approve. During one meeting with an insurance company representative, I tore up the new plan brochure. I told him, "We don't sell junk and call it insurance."

When a client wants to purchase or change to a plan we don't recommend, we explain what the coverage gaps are. Carol chose to change her plan to one we didn't recommend.

I won't post details and violate client confidentiality, but I will say that the unrecommended plan that Carol chose was less expensive because it had significant gaps in coverage. In fact, the new health reform made the plan illegal. Fortunately for her, insurers have now revised their contracts.

Again, I take my client's concerns very seriously. I take great care to make sure they are all well protected. We contact our clients periodically and always invite them to review their plans and look at new options. This is evidenced by dozens of positive reviews from clients who have been with us for many, many years. I welcome you to read them here:

http://shargel.com/testimonials.php
http://www.linkedin.com/in/susanshargel

Best regards,
Susan Shargel

5
★★★★★

Carol, it saddens me to read that you were not happy with the advice you received from me and my staff. Along with an apology to you, I must offer readers clarification on several points because it is important that they understand the facts.

Our clients rely on us to carefully review the many plans available on the market today and recommend those that provide comprehensive coverage at the most satisfactory price.

We scrutinize the plans and carefully search for the holes--the coverage gaps that could cost you dearly at time of claim. We reject more plans than we approve. During one meeting with an insurance company representative, I tore up the new plan brochure. I told him, "We don't sell junk and call it insurance."

When a client wants to purchase or change to a plan we don't recommend, we explain what the coverage gaps are. Carol chose to change her plan to one we didn't recommend.

I won't post details and violate client confidentiality, but I will say that the unrecommended plan that Carol chose was less expensive because it had significant gaps in coverage. In fact, the new health reform made the plan illegal. Fortunately for her, insurers have now revised their contracts.

Again, I take my client's concerns very seriously. I take great care to make sure they are all well protected. We contact our clients periodically and always invite them to review their plans and look at new options. This is evidenced by dozens of positive reviews from clients who have been with us for many, many years. I welcome you to read them here:

http://shargel.com/testimonials.php
http://www.linkedin.com/in/susanshargel

Best regards,
Susan Shargel

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A score of one star is too high. I have known Susan for more than twenty five years when our daughters met in nursery school. Almost all of that time we have been friends. When my cobra expired, I chose Susan to be my broker. From April, 2001 until January, 2010, my premiums to Blue Shield totaled $81,4043. Since brokers receive 10% of your insurance premium (a dirty little secret), her company received $7,531 over that time--less than 10%, since I fired her in January.

I had the same experience as Jenny K, another Yelp reviewer. In January I called repeatedly for two weeks before I was finally able to speak with her. There were always excuses. Recently, I probably tried calling for at least ten days. Her staff always covered for her. I understand, from the letter she sent me this past October, that she had no intention of speaking to me. Since we had been friends, I had jeer home phone and called there in an effort to connect. I 've spoken with her husband twice and left a couple of voice mails at her home. No response.

In December, 2009, I needed to make a decision about 2010 coverage; my "Balance 2000 Plan" was going to increase to more than $1000. One day, no one was available in her office to speak with me. I called Blue Shield directly and learned that my plan included maternity coverage--hardly necessary for a woman of my age. Drectly through Blue Shield, I got a plan with similar coverage, a lower premium, a $30 instead of $45 copay and a deductible of $1700 instead that of $2000. By January, 2010, the difference between "The balance plan 2000" and the plan I switched to, was $170 per month. From April, 2001 until my discovery, in 2009 or 2010, my plan included maternity coverage. The more my premium, the more Blue Shield and Shargel and Company receive. Each month, Shargel and Co received $17 of the overcharge and Blue Shield CA received $153 of the overcharge. From my point of view, intentionally or unintentionally, she totally ripped me off.

After many attempts to reach her, I spoke with her about the matter and requested some reimbursement, an amount that I thought fair. She refused. Immediately after that conversation, I faxed Blue Shield to fire her.

This week, I called the office to say that I was disgusted and upset by her behavior and asked that she call. True to form, she did not.

Because of what I perceive as her arrogance, lack of accountability and lack of professional behavior, I've decided to write this review. It is one way I know to come to some degree of fairness and balance in this relationship. I am also pursuing other avenues for remediation.

1
★☆☆☆☆

A score of one star is too high. I have known Susan for more than twenty five years when our daughters met in nursery school. Almost all of that time we have been friends. When my cobra expired, I chose Susan to be my broker. From April, 2001 until January, 2010, my premiums to Blue Shield totaled $81,4043. Since brokers receive 10% of your insurance premium (a dirty little secret), her company received $7,531 over that time--less than 10%, since I fired her in January.

I had the same experience as Jenny K, another Yelp reviewer. In January I called repeatedly for two weeks before I was finally able to speak with her. There were always excuses. Recently, I probably tried calling for at least ten days. Her staff always covered for her. I understand, from the letter she sent me this past October, that she had no intention of speaking to me. Since we had been friends, I had jeer home phone and called there in an effort to connect. I 've spoken with her husband twice and left a couple of voice mails at her home. No response.

In December, 2009, I needed to make a decision about 2010 coverage; my "Balance 2000 Plan" was going to increase to more than $1000. One day, no one was available in her office to speak with me. I called Blue Shield directly and learned that my plan included maternity coverage--hardly necessary for a woman of my age. Drectly through Blue Shield, I got a plan with similar coverage, a lower premium, a $30 instead of $45 copay and a deductible of $1700 instead that of $2000. By January, 2010, the difference between "The balance plan 2000" and the plan I switched to, was $170 per month. From April, 2001 until my discovery, in 2009 or 2010, my plan included maternity coverage. The more my premium, the more Blue Shield and Shargel and Company receive. Each month, Shargel and Co received $17 of the overcharge and Blue Shield CA received $153 of the overcharge. From my point of view, intentionally or unintentionally, she totally ripped me off.

After many attempts to reach her, I spoke with her about the matter and requested some reimbursement, an amount that I thought fair. She refused. Immediately after that conversation, I faxed Blue Shield to fire her.

This week, I called the office to say that I was disgusted and upset by her behavior and asked that she call. True to form, she did not.

Because of what I perceive as her arrogance, lack of accountability and lack of professional behavior, I've decided to write this review. It is one way I know to come to some degree of fairness and balance in this relationship. I am also pursuing other avenues for remediation.

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