Consumer Health Benefits

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Medical Discount Plans • Massachusetts Cracks Down On Medical Discount Plans • Consumers Say Medical 'Benefit' Pitch Misleading • Illinois Consumers Bought into Health Plan They Thought Was Medical Insurance • Health Discount Card Plan Makes Fraudulent Claims, Illinois Charges • Court Order Closes Medplan • States Sue Peoples Benefit Services --- Consumer Complaints • Consumer Health Benefits • MedPlan --- • More about Health Insurance ...

Terry of Lehighton, PA February 16, 2009

Terry of Lehighton PA (02/16/09)
My Wife and I were contacted by this woman by the name of Cindy. She told us that There Ins. would cover 80% of all Med. cost's which I found out not to be true when I went to my doctor. My doctor's Secretary called there phone number and she was told that they were to charge us 100% and we would have to file a claim with them at which time we would be reimbersed 30% Of the 100% we paid our doctor These people are misleadind people to get the fee for people to join then they are saying that you cant get your money back. THIS IS A SCAM!!!!!!

My wife and I spent 259.85 and the Insurence that we got is not what we were told it would be.

Sharon of Campbell Hall, NY February 10, 2009

Sharon of Campbell Hall NY (02/10/09)
I purchased a health plan for my son that I was told had the following coverage: blood work- 70% covered, drugs 10/25/50 payment, vision 50% coverage, dental 65% covered, dr visit 50-60% covered, hospital dx & lab up to 70% covered, out pt 50% covered, ER 100 deductable rest covered, no limit on ER visits, in pt hospital 80-100% covered. I questioned repeatedly about the ER coverage and I was repeatedly told that this was the coverage.

When the information came in mid January the coverage was not what I was told. Drs visit up to 30% off and the drs offices that I checked in my area never heard of this company. I contacted the dentists' office within 25 miles that were listed on the website don't accept the plan. Hospital plan uses a patient Advocate plan to discuss bills over 1000. ER accident insurance IS NOT AVAILABLE IN NEW YORK.

I have not been able to get any resolution and they are continuing to charge my credit card each month

Amy of Hampton Bays, NY January 23, 2009

Amy of Hampton Bays NY (01/23/09)
I researched Health care on line. After just 30 Minutes I started getting calls from Brokers. The next week I got a call from a Regina representing a health care provider. She said it is better than Insurance. It was very cheap and a PPO, not an HMO. I wanted a number to call back and written info on their plan. Regina said it wouldn't be fair to those who wanted a good policy. That she couldn't send me info. The pressure was on to sign up.

I should have known better. It seemed cheaper than all others I was looking into. After I signed up and gave 239 on a Credit card, she gave me the website and a telephone number to reach her. I called the next day, had to leave messages, she never called back and I called the day after and had a hard time getting through to anyone. I wanted to cancel after 2 days and seeing the lawsuits and all the complaints.

I live in a small town and can not travel far to Doctors. My dentist did not take their plan. I was under the spell that this was a ppo and I could use my own Dr.'s. That I wouldnt have to pay out of pocket and now they say I have to use their Dr. and pay up front and get reimbursed after filling out forms. Still not a promise I would ever get reimbursed. I cancelled immediatly. I paid for a month and am not even going to try it. I figure the hassle would cost me money and I haven't got a lot of available cash especially in this economic disaster. I called my credit card and asked for a disclaimer for credit.

Cindy of Staunton, VA December 9, 2008

Cindy of Staunton VA (12/09/08)
I was contacted by phone about an insurance policy from a rep. of Consumers Health Benefits Association. I was told this would be a major medical poilcy that would be good anywhere. I was then told I would be recorded to verify what I was paying for. I was then told what to say when asked to speak. When I questioned this I was told it was just standard procedure by the peroson asking the questions.

Once the phone recording was done I asked the woman to go ahead and cancel the purchase then and she said she could not so I contaced my credit card company and told them what had happened and they issued me a credit that consumer health benefits association is refusing to honnor even with continued contact. They have told my credit card company that they have never recieved any notices from me even thought I tried to cancel during the initial ohone call.

I am continuing to fight with them about the cancelation of my policy as they say they have never gotten the information packet back or any phone calls saying to cancel I have to date called them five times sent an e-mail from their contact us section of their website and even filed a complaint with the Better Business Bureau about this. They continue to pursue payments from me even though I have nothing to show for what I am paying for.

Patricia of Raymond, NH November 24, 2008

Patricia of Raymond NH (11/24/08)
This salesman canme into our home a year ago selling this discount health plan telling about how we could save alot of money on this plan in this area and tha it was guaranteed. It would be a great supplement to medicare. They charge us 180. per month for the year and have yet been able to use the plan at all. I had 5,000 in dental surgery and prescriptions and could not use the plan for even .50cents savings. The dru store did not accept the prescription card nor the dentist or the oral surgeon.

I called and tried to make an appointment with the in plan vision provider and the savings was 5.00 Off and 85.check up. The coupon I could get off line was for 100. with glasses. My own physician will not accept this plan, When you phone them for a refund under the guarantee they will not discuss the issue saying there are provisions on the guarantee and that you need to use 4 of 7 of the services.

How can you use them when they are either at least 30-50 miles away or the are not accepted at all. When you call their in network providers they do not believe it. When I called my credit card co mpany they had already received 2 complaints concerning this company that day. When you tell them you are going to file complaints against them they tell you to go right ahead.

I racked up over 2,000. in charges to my credit card and paid over 5,000 out of pockets expenses not including prescriptions.. When you tell them to cancel the plan even if you are paid to the middle of the next month they do if effective that day and you have a 25 day lost. SO they get a additional 25 days paid by you.

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