{"id":309,"date":"2021-11-29T22:58:01","date_gmt":"2021-11-30T03:58:01","guid":{"rendered":"https:\/\/www.garmerprather.com\/blog\/?p=309"},"modified":"2021-11-29T23:16:22","modified_gmt":"2021-11-30T04:16:22","slug":"federal-court-awards-4-7-million-judgment-to-garmer-prather-clients-in-class-action-lawsuit-against-marketer-of-fraudulent-health-insurance-policies","status":"publish","type":"post","link":"https:\/\/www.garmerprather.com\/blog\/federal-court-awards-4-7-million-judgment-to-garmer-prather-clients-in-class-action-lawsuit-against-marketer-of-fraudulent-health-insurance-policies\/","title":{"rendered":"Federal Court awards $4.7 Million Judgment to Garmer &#038; Prather Clients in Class Action Lawsuit Against Marketer of Fraudulent Health Insurance Policies"},"content":{"rendered":"<div class=\"page\" title=\"Page 1\">\n<div class=\"layoutArea\">\n<div class=\"column\">\nIn a class action lawsuit, Senior Judge Joseph Hood of the U.S. District Court for the Eastern District of Kentucky in Lexington has certified a statewide class and entered judgments totaling $4,696,124 against Defendant The Aliera Companies, Inc., the creator and marketer of purported \u201chealth care sharing ministry\u201d (\u201cHCSM\u201d) products. Aliera was founded by Timothy Moses and his wife and son in December 2015, the same year that Moses finished serving a six-year federal prison sentence for securities fraud and perjury.<\/p>\n<p>HCSMs are organizations through which members share medical expenses among themselves. But HCSM plans must meet strict requirements in order to avoid being regulated as insurance products. For example, under federal law, an HCSM must have been in existence with members continually sharing health care costs since 1999, and under Kentucky law, all members of an HCSM must be members of the same denomination or religion. Since its inception, Aliera failed to comply with these requirements.<\/p>\n<p>With this judgment, it is now established that despite the claims by Aliera that its health plans were \u201cnot insurance,\u201d they were in fact insurance products as a matter of Kentucky law. Further, it is also established that the health insurance policies Aliera sold to customers as cheaper alternatives to traditional health insurance coverage did not comply with important requirements of Kentucky and federal insurance law, including requirements designed to protect consumers and ensure adequate funds were available to cover health care expenses.\n<\/p><\/div>\n<\/div>\n<\/div>\n<div class=\"read_more_link\"><a href=\"https:\/\/www.garmerprather.com\/blog\/federal-court-awards-4-7-million-judgment-to-garmer-prather-clients-in-class-action-lawsuit-against-marketer-of-fraudulent-health-insurance-policies\/\"  title=\"Continue Reading Federal Court awards $4.7 Million Judgment to Garmer &#038; Prather Clients in Class Action Lawsuit Against Marketer of Fraudulent Health Insurance Policies\" class=\"more-link\">Continue Reading<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>In a class action lawsuit, Senior Judge Joseph Hood of the U.S. District Court for the Eastern District of Kentucky in Lexington has certified a statewide class and entered judgments totaling $4,696,124 against Defendant The Aliera Companies, Inc., the creator and marketer of purported \u201chealth care sharing ministry\u201d (\u201cHCSM\u201d) products. Aliera was founded by Timothy [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,47],"tags":[46,45,44],"class_list":["post-309","post","type-post","status-publish","format-standard","hentry","category-uncategorized","category-results","tag-aliera","tag-hcsm","tag-results"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Federal Court awards $4.7 Million Judgment to Garmer &amp; Prather Clients in Class Action Lawsuit Against Marketer of Fraudulent Health Insurance Policies &#8212; Kentucky Injury Law News &#8212; November 29, 2021<\/title>\n<meta name=\"description\" content=\"In a class action lawsuit, Senior Judge Joseph Hood of the U.S. District Court for the Eastern District of Kentucky in Lexington has certified a statewide &#8212; November 29, 2021\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.garmerprather.com\/blog\/federal-court-awards-4-7-million-judgment-to-garmer-prather-clients-in-class-action-lawsuit-against-marketer-of-fraudulent-health-insurance-policies\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Federal Court awards $4.7 Million Judgment to Garmer &amp; 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