IHC Health SolutionsConsumerAffairs Unaccredited Brand
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I needed to find a short term health insurance company after turning 26 and being dropped from my father's insurance. Stumbled upon IHC and have had horrendous experiences all 4 times. They have hung on me, yelled at me, and have gone back and forth on the policy that I have. There is so much confusion with each and every employee I have talked with. PLEASE DO NOT USE THIS COMPANY. I would rather have no insurance.
I bought insurance for my daughter who is 28 because we can no longer carry her on my husband's employee ins. We are unable to locate a doctor on the east side of Orlando AT ALL, and we have been looking for over a week. When we call the numbers that used to work for IHC, they tell us to call in the morning and we get no answer. We are getting the runaround. I will probably have to cancel this policy at $125 a month (bought out of open enrollment) because it is useless. I am throwing my $$ away and my daughter can't be seen. Save your money.
I took the coverage for Nov & Dec 17 months. I visited Dr. office (Allina clinic) 3 times in that period. IHC explanation of benefit says as per NPPN/PlanCare America I am eligible for a network discount. Allina came back saying that IHC has no agreement with them so they can'y honour any network discount. So they are asking me to pay full money. I felt like for nothing I took the insurance. When I contacted IHC they said I have to talk to Allina!!!
Cancelled policy. I did not use the policy since it was hard for me to find the doctors. The customer service is very pathetic. I am trying to call for refund. Nobody answers the call. They have charged twice each month for the premium with the two different amounts.THEY LIED EVERYTHING.
Stay away from this company, the enrollment center are full of people that do not know anything and will tell you anything to sign you in. It is hard to cancel the insurance because they don't actually insure you, they send this to other companies and then the other companies. I asked if could get a 1095 and they are refusing to give it to me. They tell you their products comply with the law and then they back off from what they say. They are really a scam.
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I purchased temporary health insurance to hold me over between jobs. They did not respond to a claim from a doctor’s appointment I had during my policy term. When I tried to contact them, they just continued to transfer me and make me wait for the next available agent. I’m now stuck just paying a bill that should have been covered. It was a waste to get this temporary insurance. I would not recommend it.
I recently lost my job and thus my insurance. I went to the Maryland website for the ACA, but because I'd missed the Open Enrollment deadline (hadn't been let go yet), I used the "search for insurance" button. When I clicked on a selection (the cheapest), I got a pop-up saying that I was going to an external website. I agreed, stupidly thinking that it was somehow affiliated with/endorsed by the government. NOPE. I spoke on the phone with "Keith", who enthusiastically extolled the virtues of this *fantastic* plan for only $104 per month. I should have known something was hinky, because that is extremely cheap for insurance.
Anyway - I signed up. Waited 2 days for the "ID Cards" to appear in my account on their website. Printed off the Pharmacy ID Card to fill my Rx (Maryland now requires insurance for certain prescriptions), only to be told at the pharmacy, "This isn't insurance... it's just a discount card of some kind. I enter this in the computer and it just gives me all kinds of coupons." I was furious, not to mention embarrassed. I tried calling "Keith"; the phone is answered by a machine which says how important my call is and please hold. It let me hang on "Hold" for about 4 minutes, then says, "Goodbye" and disconnects. I tried it two more times to be certain. Same thing each time.
The contact on my account is for DONOVAN **. That number gets a recording which says, "We are sorry, this number has not been set up to take calls." I also emailed, and of course received no response. When the post office opens tomorrow I am sending a certified, signature-required letter demanding they cancel the policy and refund my money. I WISH I'd looked up reviews while talking to "Keith", but that would have done me no good - what I *thought* he told me was that Aetna was the provider (as I understood him). He purposely mispronounced "Ebix", which is not insurance at all. Words cannot convey how angry I am. I'm complaining everywhere I can, including Maryland's website.
I rushed last year when I found out I was losing my coverage and rushed into this last minute. Do not and I mean Do not purchase this scam. They do not cover anything at all. They also have a bogus prescription coverage that is worth absolutely nothing and no pharmacy in the U.S has ever heard of it. I'm trying to figure out how this company and its employees are not in handcuffs because this is pure garbage. If you have a choice between paying out of your pocket and a fine and this choose paying out of your pocket and the fine. I've got a feeling my 4 grand I paid last year went to some warlord in Kenya???
Buyer beware. This is not a healthcare insurance company. They are a short term plan and only cover 363 days of the year. That is why they can exclude everything: hernia surgeries, pregnancy, mental health, doctor's visits, x-rays. You do not know what kind of insurance you have until you have to use it. They 'authorized' a hernia surgery but it was on the exclusion list and it was also a pre-existing condition. I feel they shouldn't authorize it if it is an exclusion. The surgical center should have been told the patient would pay 100%. That would have been nice to know. Their statements are confusion to understand because there are three pages of denial explanations. This is not a healthcare insurance. I hope this helps someone the heartache.
Short term medical, 3 months - They are so janky. I worked with Jason ** and now his office won't answer the phone. I specifically told him what I wanted and the insurance doesn't cover anything. Now I'm stuck with a $1,200 bill. The customer service gave me Arlisa's email and I still haven't heard back from over a week ago. I wish I would've looked at these reviews. Stay Away. I wonder if I can make this a legal issue?
Please stay away from this company, their customer service is the worst you will ever experience and they have a very misleading info!! I purchased a short term medical insurance for 3 months and I am being charged for an extra month for no reason, and the person at the customer service gives me no explanation and is being extremely rude to me. Save yourself some time and money and never purchase anything from these scammers!!!
My husband originally purchased this product for a two month coverage period before entering into Medicare. We were on the ACA which was not covering anything plus we had difficulty finding a Dr that would take the insurance. We had to use the policy when my husband suddenly got ill and they authorized treatment and we paid the deductible. That was in January to March 2017. We are now going into Oct and they have tried every trick in the book not to pay the hospital bills and actually tried to get me to resubmit his application. He died in March and they wanted me to sign the "corrected" application. This was a trick not to pay the claim of more than $100K. STAY AWAY FROM THIS INSURANCE CO.
I got this insurance for my son, and wasn't able to use it anywhere. I explained why I needed it and how I wanted to use it and was given the "it will work perfect for your situation" answer... They took my money and gave me insurance I couldn't use and now are taking forever to refund my money I need to get my son the insurance he needs:/ Not happy at all. Every time I call it's a long wait to speak with someone and I get the same "it takes 10-15 days to get your refund". It has now been almost a month.
I had an ER visit and they have taken 9 months to tell me it was a "pre-existing condition" and will not pay my bills. I have never had any medical issue to call this pre-existing. They never sent a letter or communication regarding the claims. I will be filing a complaint with the Insurance Commissioner and be filing a lawsuit. Stay away from this company and do not give them your money!
I will like to show my dissatisfaction with so called scamming Health insurance company who will only charge you for premiums and tell you everything about you is a pre-existing condition when it is time to pay. Please, folks let's save others from this scam; endeavor to expose them on every social media platform so that people don't fall into their hands. I think we victims of this scam should all come out and fight this legally. Anyone ready to join me here is my number you can hmu...**. Text pls. Am willing to legally fight this back to all extent.
After 11-1/2 months of coverage, IHC abruptly cancelled my insurance back to Day 1 - as if I never had insurance at all. During those 11-1/2 months I had two surgeries and several doctor visits believing that I was indeed covered. In fact, IHC approved both of those surgeries. I am now having to deal with medical bills totaling several hundred thousand dollars. Logic used was that my situations were pre-existing conditions.
Cancelled policy over 1 month ago, still no refund of premium. I opened this policy for my wife, then discovered what a scam it was so I cancelled it on the same day (well within their 10 day policy) but have still (after repeated calls to the company and repeated assurances it had been sent out) have not received the refund. This company is a total scam, they are there to only take in money and to never (despite published policy) pay it out. Avoid this company like the plague they are. Total liars.
I signed up for insurance and dental 2 months ago, and have never received any actual policy coverage, only the cards. I have cancelled as I spoke with the finance/billing department of a doctor I was considering signing up for, and they had no idea who this company is. Called back to the agent who enrolled me and he couldn't confirm either. THANK GOODNESS I didn't cancel my policy with ObamaCare. As much as I don't like the plan (that was the reason for trying IHC) At least I know what's covered and they do pay what they say. I think this is a scam, like so many have mentioned in these reviews. I wish you all the best. Playing games with people's health, so pathetic. They also told me that this coverage would cover the minimum needed for the affordable coverage act. NOT the Case.
If you need insurance for only 6 months (I guess now it's only for 3 months) then this might be an option, but if you need insurance for longer than that then this is not the company for you! Not only will they NEVER notify you when your policy is expiring, they will also supply you with zero written documentation on their policy but rather they will give you a link to print it all out. Their customer service is horrible and don't bother to leave them a message because they will NEVER call you back even though they say they will call you back within the next business day. JUST A HORRIBLE COMPANY!!!
We paid our premiums for the agreed amount of time and then we're told, after 6 months, that we were dropped 6 months prior without any advance notice. One review has mentioned that we should all sue IHC and I AGREE! We are now in debt for tens of thousands of dollars and their phone numbers go to voicemail and their emails bounce back... I have lodged a complaint with the domain company for their website (ihcgroup.com). Also we have reported them to the State of California Insurance Fraud Division. Also their "legal and Compliance" representative claims our coverage was reinstated at the first of the year but there has been nothing paid to any of the Hospitals or Doctors involved...
I bought a policy in January when I lost my old plan. As a college student, this seemed like a good price for what's included. Don't do it! Absolute scam. Terrible customer service and virtually unusable coverage. Several companies now have my info and are asking for payments, although I cancelled within a week. I am still fighting charges from them. At least I know better now. Long story short? Scam! Save your time and money!
Signed up in January and was told several times that routine exams like colonoscopy would most definitely be covered. Asked 4 specific times and each time told yes. Even followed up with an email. Today called day before procedure just to be sure and was told that they would not cover this procedure. Have never received a copy of our policy, getting through to this company is a nightmare. This entire company is a complete and total fraud. They insure nothing and pay nothing. You can even get cheaper prescriptions through good rx than their plan. Please do not sign up with this company. They are a total sham and fraud.
Nefarious business practices. Despite answering all questions accurately and honestly regarding my family's health, I am finding it close to impossible to have claims paid. I have contacted customer service who said there might be a case review to determine if claims were based on a pre-existing condition. GO AHEAD, THEY ARE NOT. Now customer service says they have "flagged" my claims to management for review. What is there to review? I bought and paid for insurance for six months - we had some unexpected medical issues arise in that time, PAY THE DAMN CLAIMS. My daughter is in law school - I am thinking it's time to get some legal advice and letters drafted.
I think we all need to file a lawsuit against IHC. I'm now in debt for $35,000.00 in medical bills because of this company. They don't pay ANYTHING!!! They have tons of delay tactics thinking they are trying to help you but in the end they don't care at all. Who's willing to join me in a lawsuit? I was told by the company that the guy that sold me the insurance should have never sold it to me because of pre-existing conditions. So if you've ever had a cold, it's pre-existing so you better not buy it. I'm tired of getting my ass handed to me by loser companies like this one that just want your money for nothing in return. If any lawyers out there want to contact me, it would be greatly appreciated. I don't believe this company should get away with what they are doing to the consumers.
This company is the worst ever. The phone numbers in the identification card don't work. Always busy. If you have a emergency, be ready to drop dead. The only answer you will get is "leave a message and we'll call you in 48 hours". They quicker to take your money. They don't deserve the one star.
Do not buy it. We moved to USA and we needed a short term insurance. We got it here and then we had to go to the doctor with our youngest daughter, and they ended up not paying even our bills, and despite we had an insurance with them. Tons of letters and phone-calls did not help. In the end we gave up and just paid the bill!
Basically they changed a policy, told my dentist office I did not have coverage however have continued to charge me for months. No response to the "policy services" email or voice mails you must leave.
This company has the worst customer service and does not pay the claims. I have given the information they requested several times and they still have not paid the claim. I do not recommend them ever.
Don't waste you money. I purchase this insurance because I needed something to carry me over. I had an accident which sent me to the ER for further test. No overnight stay just a few test. They have not paid a penny on that bill. They keep asking for more information which is just a delaying tactic. In December I was contacted by a representative to renew my policy. Well of course my application was denied. They will keep you insured until something happens and then they will refuse to pay. So my advice to people is to look for something else. Because with this insurance company you're wasting your money, you might as well give it to the mob. You will get better protection.
They are quick to take your money. I enrolled and should have known the cost was too good to be true. After reading fine print and realizing that the plan does not meet Obamacare requirements and I can still be fined, I cancelled the next day. Customer service stated I would receive refund LATE December. Still waiting. I plan on contacting anyone and everyone to get my money back!
IHC Health Solutions Company Information
- Company Name:
- IHC Health Solutions