Consumer Health Benefits

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Marion of Davis, CA October 26, 2009

I signed on thinking I was acquiring affordable health care benefits for my 24 year old who has no health insurance. The literature promised 80% coverage of doctor's visits and other prescription benefits. I was working full time and didn't investigate carefully.

Now I'm retired and when we decided to use the services for a general check-up for my son, no one had heard of this company, not even the providers listed on the website, in his area. I began to read many similar complaints about this specific company on the web and research more.

I found and called a number for the "providers" who may have questions to call, put my phone on speaker phone, and 32 minutes later a real person answered. When I mentioned that I didn't think doctors had time to wait 32 minutes for someone to repsond she said she was simply an operator who answered calls for 16 different "health benefits" systems.

So I haven't been able to contact anyone from the CHBA company that I've been paying into since a year ago. I notice they have raised their payment level 10.00 a month (for new enrollees). This company is real scam. I'm pursuing a refund but I have a feeling it's not going to happen!

Holley of Buffalo, NY September 28, 2009

I entered my information on a site for individual health plans in NY. A man named Michael WIlliams called me on 9/24 and told me that he could insure me for 129.95 a month plus the enrollment fee of 129.90 (total 259.85). He said that they were a non-profit provider and that the name of the company was Consumer Health. He claims that it will cover 80% of doctor visits and hospital stays, 85% of diagnostics, 65% of dental, 50% vision. It has a prescription plan and an emergency room deduction of 100 - covering the next 3,000 in full and 80% of any additional charges.

When I asked him to email me information. He told me he already did twice. He said this was an offer for today only. That he could even take a post dated check. If it sounds too good to be true it probably is and I looked up online to find out this is a complete scam. They continue to call me every day. Luckily I did not fall for it but was close because I am desperate for affordable insurance. Please stop this company from scamming other peopld out of their money.

Esther of Bergenfield, NJ August 31, 2009

he offered me very low insurance. i could hardly get a word in and he talked so fast, I told him to email me the info. he said he did 2 times, but did not. we have been playing phone tag for a couple of weeks now. when I read some of the responses posted, I will never deal with him again! Thank you!

Charyl of Erial, NJ August 19, 2009

I put my name and number on a site for affordable healthcare. A man named Tom M told me that he could insure me for 129.95 a month plus the enrollment fee of 129.90 (total 259.85). He said that they were a non-profit provider and that the name of the company was Consumer Health. He claims that it will cover 80% of doctor visits and hospital stays, 85% of diagnostics, 65% of dental, 50% vision. It has a prescription plan and an emergency room deduction of 100 - covering the next 3,000 in full and 80% of any additional charges. It also has a 15,000 accidental death policy.

When I asked him for the website, he gave me Goodhealthplan, which did not come up. After checking here, I found that others are complaining about paying out money for this bogus healthcare.

Jeff of Northampton, PA August 9, 2009

This is an insurance company. I answered once and they wanted to sell me insurnace, which I need. They were ready to transact when they asked if I had a pre-existing condtion. When I said I did, they said they couldn't sell me insurance "by Law". When I asked what law, they said that I needed to "understand that if they accept sick people they'll never make a profit and insurance companies are here to make a profit." I fought with the guy and told him to F^^^ off and they still call me every day. ON friday I called and got into a shouting match with the receptionist. She told me to F&&& OFF so I think she is used to getting angry calls. THe are the Consumer Health Benefit Association http://www.ourchba.com/ They will enjoy the first ring of hell.

sandra of winchester, VA June 4, 2009

I was told this was insurance,discount health.My doctors told me they had never heard of it,they called and found out it was a very complex discount plan. I contacted Va.State corperation commission,was informed they are not license to do bussiness in Va.

Amanda of Lyndhurst, NJ April 2, 2009

Amanda of Lyndhurst NJ (04/02/09)
This company is a complete SCAM! It's really sad and pathetic that so many Americans are so desperate for a reasonable health plan and there are people like this who prey on us and take advantage of us. If I had a second to think about it I would have researched the company first before agreeing to try it, however the salesman wouldn't even give me a chance to say anything. I decided to try it because the man sounded really sincere about the plan. But, unfortunately he was a scum bag just looking to make his next sale. He lied to me and said that my generic medications would be no more than 10. I went CVS to pick it up and was the exact same price I always pay. No discount whatsoever! They are liars, liars, liars!! I would rather work at McDonalds than do what those assholes do for a living!

they charged one month fee of 129 plus a one time set up fee which came to a total of 277, which I was told is non refundable. I had it for a week and then cancelled it.

Kris of Ashland, KY April 1, 2009

Kris of Ashland KY (04/01/09)
I had went on line to get a quote on insurance. I filled out some information and a few minutes later I was contacted, by phone by J. Centrofanti from Consumer Health Benefits Association. He proposed a New Health Choice plan, which would cost an initial 239.85 start up fee then 119.95/month. I was told that this plan had no deductible on doctor visits, in and outpatient services, and diagnostic testing. I was also told that it would cover 80% on doctor visits and in and outpatient services, 85% on diagnostic testing and I would only have to pay 100 on emergency room visits.

Prescriptions were quoted to me as 4 generic, 25 name brand. None of these were the actual correct figures on coverage. I had broken my foot and went to Dr. who was a participating doctor in the plan, and the insurance only covered 20% of the office visit, not the 80% which I was told. Prescription costs were higher than I was told. I tried to call and cancel this service but could not get anyone to answer the phone. There is no way to contact them from their members page to even send an e-mail to cancel.

I had signed up for this plan in order to cover medical bills I had incurred from my broken foot. If I had known the truth I would have gotten a legitimate insurance plan. I was referred to a foot and ankle specialist, actually 3 of them, none of which would even see me because I did not have insurance coverage. I was told that I did not need surgery,so I didn't have surgery, it just healed up as is. I now walk with a limp, hopefully not permanently. If I hadn't spent the money on this plan, maybe I could have gotten a real insurance plan and maybe I would have been able to see a foot and ankle surgeon and gotten the proper treatment I think I may have needed.

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