Complaint Review: Adcahb Medical Coverages - Boca Raton Florida

On February 12th, 2010 I was alerted by my so-called insurance agent, Hank Tobin that I had an automatic withdrwal set to come out for my next Blue Cros/Blue Shield Payment. I was very shocked, because three months earlier on December 23, 2009, I had stated that I did not want an automatic withdrawal from my account as the funds were withdrawn over a week earlier than my Agent, Hank Tobin had informed me. Mr. Tobin was told that I would not have the funds in the bank u ntil the 18th, yet the withdrawal was made on December 14th, causing me to have $105.00 in overdraft.

Mr. Tobin's response at the time, was that Blue Cross and Blue Shield can not be definite on their withdrawal date......that's fine, if my agent, who is representing his client would inform me of that.  Instead, I was told that I could not get coverage unless I had automatic withdrawals from a checking or savings. I know the danger of ACH withdrawals and I keep very little funds in my account. But I was informed that I could not get insurance without an auto draft.  THis later turned out to be a lie. The ACH hits 4 days early, I am hit with a $105.00 fee from my bank and the agent repsonse was that the bank should not have charged you, as there was nothing ever taken out.   Not only did this ruin my Christmas Holiday, but the insurance that should have cost $165.00 a month suddenly became $270.00.

I called Blue Cross and Blue Shield, to complain about the charges, but that went to no avail and I never received a reply to the letter I sent to Blue Cross Blue Shield experessing my concern.

After this incident, Mr. Tobin assured me that I would be direct billed for my future payments and no ACH would take place..this was on December 23, 2009.

That is why I was shcocked to receive an email from Mr.Tobin in February stating that an ACH would take place on the 16th of February. I immediately emailed back Mr. Tobin, who emailed back to me that after spending an hour on the phone he had everything cleared up with the ACH.   Low and behold, a promise broken  and on 2/16 the ACH still comes out and I am hit with $70 in fees.......

I immediately email Mr. Tobin, expressing my dissatisfaction with the service and aksing for the name and phone numnber of his Supervisor and a contact at Bluie Cross/Blue Shield.   My email went unanswered....and to add insult to injury, Bue Cross made another attempt withdrawal from my bank causing another $70.00 in charges.    I have now accumulated over $245.00 in overdraft fees, due to the negligence of an Insurance Agent, who was eveidently more concerned about the sale. If Adcahb is a reputable business, they would stand by the erroprs of their employees and reimburse me the $245.00 in bank charges. 

To make matters even worse, in a conversation today (3/24/10) with Blue Cross, I was informed by the Bue Cross Representative Donna(call 1-1655966406)..That my agent never made a request to stop the ACH until February 12th...only after I caught the error on his email. THis is a blatant error and I should not have to suffer the monetary consequences of my agent's mistake. 

Perhaps, Mr. Tobin was a new agent and was not aware of the policies, but it is a total lack of customer service not to respond to a customer concern and request to speak to a Supervisor.  Mr. Tobin may hav hid these errors from his Supervisors, but in that case, I can understand the lack of response from his Supervisor at Adcahb. I was left with no recourse but make reports to the Better Business Bureau and the Insurance Commissioner of the State of FLorida.           Insurance Buyers Beware,,,,the only thing representative Hank Tobin and Adcahb want is to sign you up and hit your account to make their commission....no customer service and no caring on their part for the customer..........Stay AWAY.....Blue Cross offers a great plan, I am hoping there are other agents out there that can sell it legitimately.