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Christine of Mount Pleasant IA (09/18/08)
I got a call from this company that told me they were a health insurance company that could get me health insurance at a very affordable rate.I was told that my money was refundable up to 15 days after they received payment if I was not satisfied. Right after i went threw all the benefits with them I found the consumer reports page on this company and called them back to cancel. I was told that all payments were non-refundable.
I told them if that was the case I would use the health plan for that month and then I wanted it canceled.
That was a month ago and I see where they took money out of my account again. And put me into over draft mode.
Very unhappy about the whole situation!
The damaged that resulted were the overdraft charges and the stress of not having someone listen to you. I tried calling the number back they gave me and it is no longer a valid number!
David of Duncansville PA (09/18/08)
I try to log on to my member no. cant get on.. started to look in to things, I found things on the internet that scare me. Now I feel that we were Scamed
Iam on BP meds. they took 259.95 for the first mo. fee.139.00 each mo. after.This just happen 9/15/08. I am going to try to stop any more payments.
Eddie of Melrose FL (08/12/08)
I had been interested in health insurance and I did a search on the web. Often they want your phone number and someone will call you. I didn't like that but I did put my number out of impulse or habit.
I was called often and frequently by many. I have caller ID and that's how I knew they were insurance companies.
This one number kept coming up more persistently than others and I finally answered it and said yes to the service.
They said I could use any doctor.
I was under the impression I could just present a card and a discount would be part of my bill. I was told as soon as the phone call was over as I had given them my credit card info that I could use the service.
Well, I waited until I got a card.
They said I could get low cost prescriptions but when I presented it to my CVS pharmacist I found that I would have to pay MORE with the service.
The same was true for my doctor who wanted me to take a stress test before I took a strenuous class at a new gym.
Twice as much they told me.
I was sent a big packet of information that was hard for me to sort through.
It appeared to be a lot of advertising or self-promotion. I couldn't understand how exactly I got discounts.
Months went by, when I decided to try again at my eye physicians, I was told my card was just for prescriptions.
I had been to their website to figure this out, that is my style to go to the Net to get an answer but their website had an e-mail address that didn't function. I couldn't get my message sent and there was nothing wrong with my e-mail service or with the information I was imputting in it's e-mail dialogue.
So, I got no help from the website except to find out what doctors were in the network. I noted that my own doctor who said the service would cost me more was in the network.
I tried to call once and I'm pretty sure it was during business hours and they referred me to the website. Then I knew it was a hustle. The poor website with no support sends me to the phone that refers me back to the website.
Gerald of North Cape May NJ (07/24/08)
I was called by Steve who offered major medical coverage for myself and wife on 24 July 08 for $139.95 per month and it was, according to Steve, Major Medical (PPO) covering an array of doctor visits and labs/imaging, prescriptions,etc. I signed up with a credit card for a one time price of $259.85 and then the cost would be as stated above.
After reading Consumer Affairs.com and all the NEGATIVE feedback from many people I then realized that I also had been scammed but I was able to call them back and cancel this so-called insurance. Upon wrintng this I received a phone call from them (Steve and Tim) and they were furious that I was not buying their services.
I also was able to contact my credit card bank and put a CANCELLATION on any fee's that were to be charged to my credit card. Bank of America was very helpful in this matter. I made them aware that this was a SCAM and I wouldn't pay for any charges. Bank of America agreeded. Hopefully I was lucky? Maybe someone can force these people out of this business.God willing.
Consequences for me are that I was just STUPID to believe that these services were this good for the small amount of money charged.
Brenda of Hot Springs AR (07/14/08)
I recently lost my United Health Care and have very expensive medicine. I shopped around on line for quotes. Never once contacted CHBA. After 5 phone calls a day for 1 week I finally answered the phone and spoke to Karl. He said for 119.00 I would have the coverage I had with United Health Care my med. would cost 25.00 to 50.00 and co-pay for dr. visits would be 35.00 to 50.00. Er visit would cost 100.00. He said there is an enrollment fee and I would need to pay 239.95 asap before it expires. I told him I get paid Friday july 11, 2008. I told him my husband will have to speak to him first.
The following day my husband called Karl and was told the same thing. Never once were we told this is not insurance. It was not until they debited the money out of our checking acct. and we were able to access the info. on the internet did we find out it was a discount card. My husband went to Walgreens to see about the discount they claim to save us, my medicine was 500.00. With my United Health Care I paid 50.00 for my meds. My husband returns home calls CHBA and told them they lied to us and we want our money back and the supervisor Cris said there is no refund. Take advantage of the discount card for a month since you paid for it. My husband said to him there is no discount. Cris was very rude and unprofessional. This is a definite scam.
I called twice myself Friday when I arrived home from work and left 2 messages for Cris to call me and he never did.I told the lady who answered the phone that we have been ripped off and she said I will have Cris call you back. We don't know what state they are in or anything. Now I have no money for a ligitimate health insurance. My medicine wil cost over 1000.00 a month. I suffer serious migraines and acid reflux and without my meds. it will eventually cost me time at work and time at the emergency room.
A loss of 260.00 that would of paid for at least a 2 week supply of my imitrex. A house payment, electric bill, and it will be at least another month before I can shop for a real insurance provider.
Melody of Woodland Park CO (07/08/08)
I started a couple days ago inquiring on the expense of getting me and my son insured. Because I have a seizure disorder, and my son is ADHD and has a high frequency hearing loss, it is very difficult for us to get insurance. Well, yesterday morning I started getting calls from CHBA about every 45 minutes and I was at work!! They started up again at 8am this morning.
I asked about getting some literature and Sasha stated that this was a limited time offer and they didn't have time to send any out. I said what about by e-mail? She said (and I found this odd) that she would have to put me on hold to go to her computer and e-mail it to me. Well, the e-mail I got was not professional looking, there were several misspellings, and the info didn't elaborate enough on the benefits.
I told her I needed an hour to check the funds on my credit card. Then, I was about to do that and I thought- let's do an internet search on people's dealings with this company. I am SOOO glad I did not sign up as I have very little money and I can afford to have it squandered on a fraudulent business scam. Thanks everyone for making your voice heard and saving me from a costly mistake!
Penni of Riverside CA (07/05/08)
A salesman named Greg Hall called several times. I told him that I had to wait until at least the middle of June before I would know anything about my other insurance. I told him I wasn't certain I could afford the $119.95 a month since I am still unemployed. So I went ahead and took it, and received the large packet of information.
The card I am supposed to show to Doctors, pharmacy, etc. clearly says it is not insurance. I am having serious doubts about this policy and I am certain I cannot afford it right now. I intend to contact my Visa card when I get my statement and contest the large fee of $239.85. I do not want this coverage. I felt pressured into taking it and the salesman just said he was going to sign me up. I felt cornered.
I am not making enough money to cover this policy month to month.
Penni of Riverside CA (07/05/08)
A salesman named Greg Hall called several times. I told him that I had to wait until at least the middle of June before I would know anything about my other insurance. I told him I wasn't certain I could afford the $119.95 a month since I am still unemployed. So I went ahead and took it, and received the large packet of information. The card I am supposed to show to Doctors, pharmacy, etc. clearly says it is not insurance.
I am having serious doubts about this policy and I am certain I cannot afford it right now. I intend to contact my Visa card when I get my statement and contest the large fee of $239.85. I do not want this coverage. I felt pressured into taking it and the salesman just said he was going to sign me up. I felt cornered.
I am not making enough money to cover this policy month to month.
James of Doraville GA (05/18/08)
This man told nothing but lies, He told us that this was and insurance card and we would only have to pay a co-pay of only $20.00, and that we did not have any pre-excisting condition, Not at any time did he call this a discount card. Even when I ask him. He made out like this was a regular insurance company, We are on a fix income and can not afford regular insurance so when he said that this was insurance at this price we happy because we have been turn down by other insurance company due to my wife illness,
She is very sick and was happy to finally be able to go to the doctor and see about her kidney illness and lung disease. And also her Eplispy. We are on a fix income and can not really afford her medicine. We are devastated and now out of $260.00 and broke. PLEASE SOME ONE HELP US!
We are out of money and can not go to the doctor because we are broke and live month to month on our ssi which is not a lot. My wife has suffer so much that she cried for 2 days and now she can not hold on much longer. We do not have the money to see a doctor and her kidney's are gettin worst. please help us retrive our money.
Susan of Waco, TX (03/10/08)
I had applied for health insurance and "Stephanie" told me that she couldn't send me any information in writing until I gave her my bank account information. She explained the policy as a health insurance plan. She told me there was a $30 doctor co-pay, 80/20 coverage and prescription with vision.
I asked her if this was a discounted health. She allegedly told me no. I told her this was too good to be true. She told me it was a God send because that the insurance randomly had drawn my name, to get these rates and all they asked in return was referrals. I asked her If I would get a refund if it wasn't the right plan and she told me due to the resident state law I would get a full refund.
Stephanie told me this policy was a great one because it got around all the red tape of actually having to go through an insurance company. Again I told her this was too good to be a true statement and she said "I know it is!"
I got a policy and it definitely was a discounted rate on insurance. After several attempts and almost two weeks I finally got someone to answer the phone. They told me it was not an actual health insurance policy. I tried to cancel the policy and they said no refund.
I did answer questions and it did state that I knew this wasn't an insurance policy but Stephanie encouraged me that it was just red tape and that was the reason they had to ask that question.
Debra of Gardnerville NV (03/06/08)
I need to add to what I wrote on my complaint. The other websites that I requested they contact me for information regarding receiving health insurance was www.lovetherates.com and www.nextinsure.com and www.ehealthinsurance.com and NOT www.einsurance.com like I originally wrote.
Thanks for allowing me to correct myself.
-Debra
none
Debra of Gardnerville NV (03/06/08)
I received a call from a company that described themselves as someone who could provide insurance for my son who has a preexisting medical condition. The woman speaking to me told me the price would be $119.00/mo and asked me if I could afford that. I asked what it covered. She said it would cover 85% medical coverage, 65% dental, 80% eye exam with a 50% savings on eyewear or contact lenses AND it would include a $15,000 life insurance which she later changed to accidental death insurance. Once I asked for her to send me information on the coverage, she said in a rushed, hurried voice that since they were a non-profit company they didn't send out printed media, but that I could check it out online at www.nbchealth.com. Her voice was extremely rushed at this point because I was at my computer, and I was typing in the web address as I asked her to repeat the address. She said to check it out and that her phone number was there and immediately hung up.
I Googled the website and several fraud complaints came up. I'm glad my delay paid off, and I hope others check out phone solicitations before giving out any financial information. I'm not even sure where this business got my phone number except from the legitimate site www.einsurance.com where I gave it.
Catherine of Yonkers NY (02/29/08)
Enrolled for health care services. Used their list of Providers in CA, NY and FL, and NONE have heard of this company and do not offer discounts. They automatically deducted the 2nd payment from my credit card with no authorization from me to do so. I canceled and requested my money back. Gina could not do this and told me I had to speak to a Supervisor who,conveniently, was not available.
Approximately $400 was paid for this health plan, have not been able to see a doctor, and have not gotten any resolution from anyone in this company. Reviewed the company on line and learned that there's a civil lawsuit against them in Illinois for the same reason.
Theresa of Spotsylvania VA (02/25/08)
This plan was represented as insurance. The providers that they advertise as participants in the plan, don't accept the card when presented. I have tried unsuccessfully to cancel the plan. When I called the toll-free number, I was put on hold. Finally, I left a message of my intention to cancel. I have not received a response from anyone with the company. They are continuing to debit funds every month from my credit card account. What are my options to cancel this plan and stop the recurring debit charges?
Charlene of Green Valley AZ (02/25/08)
I received a phone call from Daniel Cintron on February 15, regarding my inquiry on the internet for Health Insurance. He said he was not a salesman, but an agent, and his company was doing a special promotion this month available for agents like himself for a discounted rate of $119.95/mo., a subsidiary of Blue Cross/Blue Shield. He quoted me things like Hospital 80% no deductible, ER $100 Co-Pay, Dr. visits $25-35 each no limit to number of visits, vision 80%, lens 50%, lab work 85% Ambulance $4000; can use any doctor, no need for a referral. When I received my packet in the mail on Feb. 22 I found out it is a Health Plan, thanking me for my inquiry for a medical savings card, etc.
I had already paid the enrollment fee of $120.00 for paperwork on the special promotion plus the 1st month's $119.95. I had also inquired about paying for 1 year in advance. Thankfully I faxed and canceled immediately on Feb. 23rd. So I was not charged the $1439.40, but they would not refund my $239.85 initial payment even though it was supposed to be refunded within 15 days.
Ed of Port Richey FL (02/22/08)
I was lead to believe this was health ins.
Loss of $239.85 and made a fool of
Angela of Fall River MA (02/08/08)
when I signed up I was told I could keep my primary doctor. then my claim was rejected because my doctor was not in their network. Ive not been able to get through to them, or gey satisfaction.
we have a very limited income due to unemployment the stress is killing me
Gail of Fort Lauderdale FL (02/07/08)
I was called by this company. I was told they are having for a very short time open enrollment in the group for health insurance (not a policy---no contract---but month to month). The back of the card has Blue Cross etc. and they are the ones paying the bills. I was told that I would only have to pay 20% there's no deductible and no lifetime maximum and that depending upon my relationship with the doctor I would have to pay the 20% on the spot or he would bill me. I would be using the normal networks of physicians that are on the back of the card.
I called Florida's Dept of Financial Svcs, and this company is not registered to sell insurance in Florida. If they are not selling insurance, and they are not a discounting company, and they are a so-called non-profit association---they do make reference to the AMA, then this is just an ordinary company that is scamming. We have not decided which branch of govt. has jurisdiction, insurance or the attorney general's office, but meanwhile, seniors and people with health issues who want coverage but can't get it are being scammed.
I gave my credit card. It still hasn't posted so I can't dispute it yet. I was on the phone with the Attorney General's office and told Matt Brooke not to put it through---immediately. Hopefully we scared him out of mine. We need to protect the public. They are travelling through Florida and I don't know how many people have already been scammed. They are very good in this scam!
Ronald of Pineville MO (11/27/07)
I was called about health insurance and was told this was health insurance not a discount plan and was told it was a $119.00 a month plus a $119.00 one time enrollment fee. I was told it was a PPO network and perscriptions would be little to nothing. And since I have copd it's impossible for me to get medical insurance .I thought this was a good thing and I had better jump on it. After they took the money out of my account and I got the policy, I called them back and tried to cancel and they just started telling me all about different plans and had a lady call me the next day and started telling me about a medical plan they had that was just the thing for me because it was enrollment time and there was no time to waste. I would have to join today.
I'm on a fixed income and I feel I got robbed of $239.00 that I really couldn't afford to lose, considering I pay any where from $400.00 to $900.00 a month for my medicine.
Linda of Spanish Fort AL (09/27/07)
CHBA (Consumer Health Benefits Association) This is a company based out of Florida but licensed in Illinois.
4875 Coconut Creek Parkway,
Coconut Creek, Florida 33063,
877 687 2422,
nbchealth.com
I have been charged by CHBA for health insurance that I did not request. The charge has been placed on my Discover Card of 349.32. The services offered are empty as medical companies do not honor or know of this company.
I needed to locate due to illness in the family, resigned my job and began to look for health insurance. I researched it on line and provided my information to what I thought was health insurance companies to obtain a quote.
While on the road moving across country, I received a call from a lady, Rita, who was from the company of CHBA (Consumer Health Benefits Association, out of South Florida but licensed in Illinoise.) telling me that the company was looking for people that were uninsurable and needed insurance. I informed her that I was not uninsurable, that I did not even take any medication and seemed to be in excellent health for my age. She kept saying that the company did this good deed, but it would not last and that I needed to jump on this. She kept me on my cell for sometime and I informed her that I needed to see this information in print, and requested she send it to my new address that I was in the process of moving.
She told me that she wanted to do a good deed by insuring me and that it only happens to few people. I told her that I was on the road, and I wanted to know how she got my cell phone number. She told me she received it from the online quote for health insurance. I told her that I could not talk as I was in my car, and wanted her to send me something about her insurance company, as I had not heard of it.
Some days later she called again, she stated that for a little over hundred dollars that I could be covered for major medical, dentist visits, eye visits, all doctors visits and medication plus life insurance. It was difficult to follow her, as much of what she said did not make sense. I told her that I was not interested again... and requested information via the mail to get her off my cell phone. She told me that if I gave her information she would send me the information I requested, which I did to get her off my cell phone. Nothing would be charged unless I notified her personally. She told me that everything would be taped, and that it was safe for me. She spent a few minutes coaching me on what to say on the tape, which I thought strange, especially due to the fact that she told me that I had to say that it was not insurance. I even questioned her, as what I was looking for was Health/major medical Insurance. She told me that is how her company needed it stated in order for me to get that information. I was exhausted and had just moved into my home across the country, I just wanted her to go away.
A few days later I did receive this packet with worthless information, but did not give it much thought as I was told that nothing would happen unless I contacted her personally.
When I realized that she in fact did place 239. plus dollars on that credit card, I immediately tried to contact someone from the company. I could not reach anyone and there was not away to contact them via email. I contacted my credit card company and began by writing the Illinois and Florida State Better Business Bureau where I thought the company is licensed. In my endeavors to remove this charge from my credit card, I have found many different sources of information complaining about this company.
I am also concerned that this company cannot be reached in anyway that I tried and the service is worthless, even if I wanted it. They do not have doctors, hospitals that are willing to use the service of this company in Alabama and it seems to be true in other states. I want the amount charged by the company removed from my credit card and nothing else to be charged by this company. I would like to see the company accountable for they are promoting a company that sales health insurance, but provides no service or contact.
Milton of Eunice, LA:
Got a phone call after looking for health insurance. The salesman repeatedly called. We asked for specific explanation. He did state it was a health insurance, lowest price. i have diabetes. He said that was no problem and took our bank account number ( red flag, i know!) and took our money. We got papers stating this is not a health insurance. We keep calling the number and emailing him with NO RETURNED REPLIES. We tried to cancel and say we want our money back. All we get is a recorded message. We are going today to close our bank account just in case money is taken out.
Peggy of Milpitas CA (09/10/07)
A salesman called me and said he had a plan that would cover my medical, eye and dental needs. He said that I would pay $119 per month and $119 now... but I had to sign up. I wanted to see the plan and he said I had to sign up first and they would send me the info. I had 30days to cancel. I received the material and it isn't at all what he said and when I tried to cancel, they charged me a fee of $239.00.
This is a Scam...... How do I stop someone else from being taken? I want my money back... I'm unemployed and just got of disability so I have no income and the $239 is part of my house payment.
They charged me $239 to cancel the policy that I had for less than 30 days. I just received the paperwork to review.
Nikia of Newark NJ (09/02/07)
I was trying to cancel my health benefits with Consumer Health Benefits Association as of 8-31-07 and they didn't let me cancel it. I was given some false information over the phone about the benefits when I recieved the handbook in the mail some of the information that was given to me over the phone was different in the book. I called the premeir services to cancel the services with them and they told me to use the card and cancel it at the end of this month.I explain to the lady Nicole that I was told several things different over the phone and she said she was sorry but I couldn't get my money back, because I already paid for it. But that was before I gotten the handbook. I am not understanding this at all I didn't even use the card yet and I recieved it on August 28, 2007.
I need my money back and wasted 239.90 for nothing and its not good sevice for me.
Leanne of Carroll IA (04/24/07)
I called the 800 # for the dental plan and I was told that I had to drive 50 miles to see their dentist. I have problems with the web site. I don't know yet if my medical dr. is in the network. I want my money back now. They owe me $ 239.85 and I want it now.
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