A representative, Jacques, contacted me. He asked a plethora of questions and claimed to have found an "insurance policy" for me and my family. The plan sounded great. The price he quoted was coverage for not only medical with no deductible, but also included dental and vision insurance. I told him that I would discuss this with my husband and would call back should I decide to proceed. It sounded too good to be true, but.... this insurance provider contacted me as a result of the information I entered on the Marketplace website. He was very adamant that I could cancel the policy within 30 days. This would allow us time to review the policy that he would be emailing to us. I never received the email. Since this is an insurance provider that is recommended through the Marketplace, I made a payment over the phone. After spending an hour on the phone with Jacques, I also had to go through a lengthy verification process. Before he transferred me to the verifications department, he told me not to ask any questions and to agree with everything because if I stop the verifications, they have to start the process all over again. I had already spent an hour on the phone, so the last thing I wanted to do was spend another hour going back and forth between departments. The representative in verifications spoke very quickly and unclear. The only part that was clearly spoken was, "Is that correct?" After ending the call, I checked my email for a confirmation email and the policy that I was supposed to review. I never received either of these. I did some research online and discovered that the insurance policy isn't an insurance policy at all. It is actually a discount policy and could leave me owing thousands of dollars should I have surgery or major medical need. I contacted Health Benefits Center immediately and asked to speak with Jacques. Of course, he wasn't available. I left my contact information but never received a call back. So I called back and spoke with a different representative. I explained that I never received a confirmation email, policy manual, and after researching online, the policies aren't at all what was explained to me over the phone. And.... They had already deducted the premium from my checking account. She apologized and agreed to issue a full refund, including the $150 enrollment fee but it would take approximately 5 business days to process. Hmmm it took an hour for them to deduct the money from my account but will take 5 days to refund. Ok, it is what it is. After reviewing my checking account, I see a refund, but they didn't issue a full refund. So, I contact Health Benefits Center once again. This time I spoke with Leslie. I explained everything to her. She said that the medical policy has been cancelled but the dental and vision wasn't. She then proceeded to try to sell those policies to me. I interrupted her and expressed that I don't need these policies, I initially needed medical only and Jacques found a "great deal" and included those as well. I expressed that all policies were to be cancelled. Again, she continued to try to sell them. I told her I don't need her to tell me anything about the policies, I want my refund. She said, "if I don't need her help, then we have no reason to be having a conversation!" I became very angry and asked to speak with her supervisor. She laughed and placed me hold. Customer service at it's best! This is definitely what you call someone with a job and not a career. After being on hold for a few minutes, I hung up and called back. Supposedly, the remaining amount will be credited to my checking account. Nationwide
Health Benefits Center contacted me after I entered my contact information on the Obamacare website (Marketplace). A representative, Jacques, contacted me. He asked a plethora of questions and claimed to have found an "insurance policy" for me and my family. The plan sounded great. The price he quoted was coverage for not only medical with no deductible, but also included dental and vision insurance. I told him that I would discuss this with my husband and would call back should I decide to proceed. It sounded too good to be true, but.... this insurance provider contacted me as a result of the information I entered on the Marketplace website. He was very adamant that I could cancel the policy within 30 days. This would allow us time to review the policy that he would be emailing to us. I never received the email. Since this is an insurance provider that is recommended through the Marketplace, I made a payment over the phone. After spending an hour on the phone with Jacques, I also had to go through a lengthy verification process. Before he transferred me to the verifications department, he told me not to ask any questions and to agree with everything because if I stop the verifications, they have to start the process all over again. I had already spent an hour on the phone, so the last thing I wanted to do was spend another hour going back and forth between departments. The representative in verifications spoke very quickly and unclear. The only part that was clearly spoken was, "Is that correct?" After ending the call, I checked my email for a confirmation email and the policy that I was supposed to review. I never received either of these. I did some research online and discovered that the insurance policy isn't an insurance policy at all. It is actually a discount policy and could leave me owing thousands of dollars should I have surgery or major medical need. I contacted Health Benefits Center immediately and asked to speak with Jacques. Of course, he wasn't available. I left my contact information but never received a call back. So I called back and spoke with a different representative. I explained that I never received a confirmation email, policy manual, and after researching online, the policies aren't at all what was explained to me over the phone. And.... They had already deducted the premium from my checking account. She apologized and agreed to issue a full refund, including the $150 enrollment fee but it would take approximately 5 business days to process. Hmmm it took an hour for them to deduct the money from my account but will take 5 days to refund. Ok, it is what it is. After reviewing my checking account, I see a refund, but they didn't issue a full refund. So, I contact Health Benefits Center once again. This time I spoke with Leslie. I explained everything to her. She said that the medical policy has been cancelled but the dental and vision wasn't. She then proceeded to try to sell those policies to me. I interrupted her and expressed that I don't need these policies, I initially needed medical only and Jacques found a "great deal" and included those as well. I expressed that all policies were to be cancelled. Again, she continued to try to sell them. I told her I don't need her to tell me anything about the policies, I want my refund. She said, "if I don't need her help, then we have no reason to be having a conversation!" I became very angry and asked to speak with her supervisor. She laughed and placed me hold. Customer service at it's best! This is definitely what you call someone with a job and not a career. After being on hold for a few minutes, I hung up and called back. Supposedly, the remaining amount will be credited to my checking account.