IHC Health Solutions Reviews

I took a policy out for one month to hold me over until my normal policy with BCBS took effect the following month. The IHC Group continued to bill my credit card for an additional 5 months, and said I had taken out a six month policy. I sent them proof of my normal policy that was up to date and active the following month and I have still not seen the reimbursement for the additional five months.

Find another "outfit". I found their site from a link on a site of a well known National Carrier (made me think it was legit). Does this policy meet needs for ACA? (nope; not if it doesn't cover pre-existing conditions; i.e.: not "creditable"). If "NO", then you will pay a penalty, per conditions of ACA if it is for more than 2 months. (Not to mention that any medical cost will be YOURS).

I would stay far away from this place. Robbie at the centennial office is a scam artist. I went in to get insurance for myself. He told me my TOTAL out of pocket for today would be about $250.00...3 days later I check my online banking and found out that I had been charged about $375.00. I called him to ask why I was charged so much and he just blew me off. I cancelled my insurance that day and was told I would receive a 100% refund due to the fact he lied to me. Here we are 30 days later and I still have not received my refund. To make matters worse I was charged again this month from IHC. I still have not received my credit from last month and now I get charged again for insurance I don't even have.

Wow! I wish there was a 0 star rating. I wish I had seen all of the bad reviews for this company. I purchased health insurance from them 3 months ago but haven't needed the doctor, so I haven't bothered with printing my insurance card. They automatically deduct money out of your account, and it's always under a different name and different amounts, which didn't seem odd to me until now. I had automatic account deduction with Blue Cross, and the same deal with my car insurance so that wasn't odd. The company says they've gone green and won't send insurance cards through the mail in an automated recording. That's fine with me, l like green, until you realize it's all a scam.

I was laid off 3 yrs ago and needed insurance for myself and my family. I contacted an agent and described to him what I wanted and he gave me information to IHC. I thought it was great at first because it was inexpensive and affordable however, after having it for awhile I found out that they do not cover anything and everything is pre-existing. I was also told by IHC that I had to have life insurance from Mutual of Omaha with the insurance as a package deal which later I found out was a lie. I called to find out where I could go to the doctor or if I would be able to continue to see my same primary doctor and the lady on the phone didn't even help me, she just told me to go to the website.

I called to get information on health insurance. I was sold a policy... after I received it by fax, and saw all the exclusions I canceled (one day later). The agent was so rude and arrogant, he told me to contact 3 separate insurance companies to cancel, when I did I found out that I was sold a "lumpsum Cancer policy!!! Within 2 days money was being taken out of my bank account for a bogus insurance policy that wasn't suppose to start for a month. Do your homework before you get on the phone with this company! Horrible Shysters.

Unfortunately, I had to purchase interim insurance. Unfortunately, when I called the number on the back of my insurance card (Anthem), they recommended IHC and immediately connected me with an agent. Unfortunately I purchased IHC because it does not cover anything as far as I can tell. The insurance card is not worth the paper it is printed on (which is a small slip of paper you print out yourself). I paid more than $400 per month for insurance and found out that even though it supposedly covers two doctor's visit. It DOES NOT COVER routine doctor's visits or anything related to that visit.

I planned to take insurance from IHC for only one month i.e., July month. But they tricked the paper documentation to add Autopayment and left no choice to cancel it through call or on-line. Had to do writings to email newpolicyservices@ihcgroup.com to cancel the policy. I had did that but it is an automated email system. I have tried to call to the customer care representative but it is going to voice mail. Sure it is a fraud company. Please refund my money. I want to cancel the insurance immediately and don't want to continue. I was locked completely with their hidden rules.

On 09/21/2015 I went to my primary care physician, Dr **, for extreme abdominal pain. At that time, she thought I might have GERD and referred me to a specialist, Dr Gastro, for an EGD and a Colonoscopy. The procedures were scheduled 11/18/15 (EGD) and 11/23/15 (Colonoscopy). These two procedures resulted in him diagnosing me with GERD and the removal of several polyps (later revealed as benign) from my colon.

Very difficult to get claims from my unexpected hospital stay and follow ups with my physician paid by this company. They say I had a pre existing condition so they won't pay. This is a short term policy which needs to be re applied for every 6 months which I just re applied for and got rejected because of the previous claims. What!? I am 63 yrs of age and this was my first hospitalization and the 1st time I ever had this medical emergency. Now I am being denied. I am so upset I will probably end back up in the hospital due to stress from this situation. Never go through IHC. Where do I go from here? What do I do?

I wish I would have read these reviews before signing up with IHC Solutions. It sounds like they have a history of trying to find a "pre-existing condition" so they don't have to pay medical bills. I had a very serious unexpected medical condition arise. Not only is stressful to be in a hospital, but now to worry about this insurance balking on paying anything!!! They are requesting 5 years of all medical services to determine if my condition was pre-existing! I am very disappointed in the service I have received. It's next to impossible to get anyone on the phone and even when you leave a message. It's rare to get a callback. To anyone out there: Do your homework before signing up with IHC.

Before you decide to buy this insurance, just dump 2000.00 in the toilet and flush, because that's exactly what happens... My husband died in Feb 2015, I was left without insurance, I'm very healthy and only got the policy for preventative care... i.e. Colonoscopy, Mamo, Yearly physical. After faithfully paying all premiums on time, was told I was approved for all procedures... Ha...You have to be accepted, not approved... Bottom line. I am on a fixed income after the death of my husband and I have been billed a total of $1355.74. Just to be told... (thank you God) that I'm in perfect health. ** IHC HEALTH SOLUTIONS. I someday hope you need insurance.

30 days after I paid them almost $400.00 this company do not sending to my a health insurance card or a company book to now if my Dr were in their network or not, so I do not recommend this insurance company.

I received a letter from IHC claiming my Life Insurance coverage will run out if I do not pay my claim because my payment info did not go through and I must pay immediately to keep my insurance. It is true that my last payment to ACA did not go through because of this issue but what is not true is that I've never had IHC life insurance! I got 2 notifications in the mail the same day, one from IHC and one from ACA. So somehow they get this information and try to capitalize on it by sending out fake letters to try to get you to sign up for their insurance for the first time disguising it as if you have been paying the whole time. It looks official and I just bought a home so there's been a lot of things I've had to sign up for and do recently. On a more tired day I just may have paid it without knowing. I just think it's kind of despicable that they can so easily be tied to ACA and real government info.

Because of the affordable care act (ACA) requiring insurance to avoid paying a penalty, I took out a short term insurance with IHC Health Solutions until the next open enrollment. While this company offers the bare minimum, and was a struggle from beginning to end, I was covered by them for 5 months. The problem here is that neither IHCs website or ACA website tells you that "relying on short-term coverage for more than two months would result in a penalty being assessed." This company is taking advantage of those who pay longer than 2 months (thinking they'll avoid a penalty) by not making a clear statement of this on their website. Horrible company.

Dec 2015 we purchased health insurance through a agent (Infinity HealthCare and life). We were provided agent with CC info for monthly billing. Dec charges applied. Jan 10 I received a cancel letter for nonpayment. I contact our agent here, affirmed our CC info and replied it was a computer glitch. Feb again the same thing. Again I was assured we were covered, Feb 18 I went to Doctor. March 3 I received a statement from IHC Solution regarding processing my claim. On March 15, I received a email from our agent with complete health care coverage information and cards.

Because of the ObamaCare law of insurance being required to avoid paying a penalty, I took out a short term insurance with IHC Health Solutions until open enrollment for ObamaCare. I took out the policy in March 2015. Since I had insurance, I scheduled an appt for April for just a routine health exam complete with mammogram and pap test. I was sent to the hospital for more testing, and found out in May 2015 that I had stage 4 breast cancer. Had multiple testing done and in July 2015, I started 6 rounds of aggressive chemo treatments.

Nov 7, 2015, called Blue Cross, Blue Shield the number from a postcard I received several times in the mail. They connected me to an agent named, Omar **. Omar said he could not start me on Blue Shield until Dec. 1, 2015. I asked him about an ethical, short term insurance provider? He said he would send me an email link to a short term insurance plan, until he could start me on Blue Shield, Dec. 1, 2015. He reiterated his friend could provide the plan and Omar would not benefit. I told Omar I was moving from Colorado, back to Northern CA to consider when considering health plans. I filled out the online form and he called me later to say I'd been accepted and he charged my credit card. Instead of joining Blue Shield with Omar, I joined Blue Shield with an agent in N. CA, in the County I was moving to.

I did my health insurance with this company over the phone and billed me twice within a two week period. I tried removing my spouse from policy because he has coverage and they removed him and adjusted the policy. I sent emails in writing with all of this information and the company never followed through. I wouldn't recommend this insurance company to anyone. Horrible service and they take your money and provide you with nothing.

Over the past 6 years we have been paying on what I thought was either a life insurance policy on my wife or one of our children. We are changing banks and when I came across this automatic Debit and called the 800 at IHC, they told me this was actually a Dental Plan! We have a family dental plan and I asked them if they ever sent us anything in the mail, Dental Cards, etc. They said they did, but we never received anything!! I have asked them to please send over our authorization for this account and they said it will most likely take one day to respond. I also asked them if there was any activity on our account, office visits, payouts, etc. She told me that there has never been any activity on this account, and that it is not their policy to even follow up or question why. Of course not, you are scamming another unsuspecting family.

I have not received not one thing in mail or email about my account etc. No cards no nothing. Try to call over and over no answer. Message says they are closed or on phone. They sure were open to take my money a month ago. I was scammed in a big way!!! I don't have nothing but a bill.

I was contacted via email by Shanta ** who stated she reviewed my resume on indeed.com in regards to health insurance experience for work at home. She advised me to contact her for an interview. I contacted her for a interview which was done on the Internet. She advised me of the company IHC group and advised my job description and duties. She asked a series of question just like an interview. She then proceeded to stated I got the job, I will be meeting with someone in person to finish paperwork. She also stated I will be receiving a check via mail to purchase work equipment.

I went to a doctor for hot flashes! They denied the claim as pre-existing! I guess every female then has a pre-existing condition!!! What a joke of a carrier!!! Save your MONEY. Find a DIFFERENT CARRIER!!!

When I signed up for this health plan, the gentleman on the phone sounded sincere and knew what he was talking about. He helped me understand what was going on, and I felt safe and secure in the coverage that should have been provided. The documents I received in the mail looked legitimate, as well, which helped increase my sense of security.

The brokerage I got my plan from took it upon themselves to change what I wanted. When I call IHC they said I could file a complaint, and that was the last I heard from them. Every time I call them, I get sent to someone's voicemail and they never called me back. What a joke. Yes $13000 joke.

I was misled right from the beginning. The agency I purchased the policy from stated that her dad had the same policy and his medical bills (hospital, doctors, etc.) were always taken care of promptly and completely. Not true (at least for me). After a gall bladder surgery, they claimed it was a preexisting condition (it wasn't and we had to hire an attorney to deal with them). They agreed it wasn't preexisting and then claimed that something else was preexisting (the attorney also had to deal with that). To this day they have not paid the bills that should have been pain and we are left with a $16,000+ bill. Be so careful if you deal with this company. It's not worth it to do business with them. We are so stuck.

I went online to get health insurance and I came across a company that sold health insurance policies called Insurance Academy. They told me that I should receive my policy information via e-mail and a packet in the mail. I waited several days and never received the information, so I called Insurance Academy and I was told that I would get the information from IHC Group the provider of the healthcare plan. Originally the Insurance Academy told me they would provide me with the information and now it is out of their hands and I have to contact IHC. I became leery at this point and found some unfavorable reviews on Insurance Academy and The IHC Group. Your website finalized my suspicion and I will attempt to cancel my health insurance policy with them.

My brother purchased a six month temporary policy from IHC. They approved surgery for him from UCLA. Following the surgery they did a "review" and decided that he had a pre-existing condition, denied his claim and left him with thousands of dollars of debt. This is despite the affordable care act which bars denial of claims for pre-existing conditions.

Kendall (rep) and Athena (manager) are the rudest people I've encountered in a very long time. After several attempts with Kendall to locate my account by my name, my kids' name, and the amount of the transaction, I asked is there ANY other way to find this charge and cancel the billing. I was told flat out NO by Kendall. I asked to be escalated to a manager to get this resolved once and for all and was sent to a voicemail. I called back again, sent to voicemail. I asked for an address to write management so they know how their customers and being treated when asking for support and again got nowhere with Kendall. I got a call back from Athena about an hour later and she's like "yea, I listened to your call and I checked the system and I can't find you either so how can I help you ma'am..." She came on this phone with animosity towards me without hearing my side of the story. I said, "excuse me, you're being one sided right. First off, I need an address or email when I can send a complaint about the treatment from Kendall."

I had taken a short term health insurance policy out with IHC and paid my premiums faithfully. I became deathly ill in July of 2013 and was hospitalized in the ICU, underwent emergency surgery and again was placed in ICU. Upon giving the hospital my insurance information, they came back with some bull crap story I was not qualified for the policy thus, it was canceled and they paid not one cent to this hospitalization. They claim I lied on my application and despite letters from the doctors stating this was not preexisting, they claimed it was and dropped me. How convenient, they don't review the policies they sell until a claim is made and then they come up with some bull story and get away with not a dime out of their pockets. This was so wrong. How is it insurance companies sell policies then claim they don't review them until a claim is made? It gets them out of paying is how.

After having this policy for several years and not having a claim, we thought we would be covered under the common benefits that we signed up for. We had this on draft and we failed to view the policy each year knowing that it would be okay, especially since there was an "inflation cost" increase each year. At the time we finally used the policy, they paid maybe 1/8th of the total of the claim!!! Then, looking at the policy, they say we are not covered the 80% coverage that we first signed up for. I used to sell insurance. Yes I know better, however I felt that IHC was the great company that looks after your interests, right. Isn't that what leads us to use them in the first place! Burned and taught a lesson to be smarter.

IHC deducted money from my account quarterly without my consent. They claim they sent me information that was returned to them because of insufficient address information and sent me one email that wasn't acknowledged by me. They never tried to call or reach me any other way, yet continued to withdraw money from my account knowing I had no product knowledge in hand. When I called, they claimed it was my error for not contacting them sooner and will only refund one quarter to me. Even though they acknowledge that I never received any information or used of their services in anyway. My account was not even registered. I feel I was totally scammed by this company. And to my knowledge never signed up with them on the internet as they claim.

When I call IHC Solutions I get the runaround. My passwords won't work to get into the website to check on status. The Claims dept. has a voice mail that says it will call you back in 48-72 hours. Not acceptable to me. It has been one BIG nightmare!!

We needed Interim Health insurance to cover us while my husband waited 90 days for his insurance to become activated at work. It was $267 per month. I was told that it would be an automatic w/d from checking each month, but the salesperson told me all I had to do is call and it would be cancelled with immediate effect. She didn't mention that if I called after a payment period started that it would be cancelled at the end of that payment period with no prorated refund. I cancelled a few days after a payment was automatically deducted and requested a refund for the unused portion of the month. They said, "No". I appealed, based on the fact that the person who sold me the policy did not mention the "no refund" policy. The response was that it is "clearly" written on PAGE 10 of the policy terms and conditions.

When we signed up for a health coverage policy, the agent went over each issue. We explained we were okay with a high major medical deductible, but want to only have a co pay of $35.00 for the doctors, lab etc. We signed on. Does it sound reasonable for us to be paying $7,700.00 per year with a $7,500.00 deductible including the doctors visits? This would mean, we would pay out of pocket $15,200 before we even hit the ability to pay a co payment.