National Benefit Advisory Association reviews and complaints
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Bad Business
This company withdrew money from my account without permission. I was interested in their health savings plan and talked with a representative for a good deal of time. I told him I needed time to consider it and would not say yes at that time. However, when he told me that there was a limited time offer where they were accepting pre-existing health conditions such as mine and that he needed my bank account number to hold my place (or some such thing), I naively went ahead and gave it to him. I clearly stated that I would call the next morning if I wanted to go use their service.
During our conversation I was told that when /if I agreed, another representative would talk with me to go over the terms of the license agreement so I could formally approve. This never happened. Furthermore, someone at the office I had called entered information into their computer system saying that this had happened, going so far as to list the name of the person who (didn't) go over the liscense agreement with me. This I discovered when I called their corporate office and the woman, marilyn, who I talked to looked my information up on the computer. Thankfully she was honest and helpful and canceled my membership.
In order to get my money back I contacted my bank and contested the withdrawal. Then I put a stop payment on my account, which will last for six months, so that if the NBAA tries to withdraw from my account again the transaction will be blocked. It is much faster to go through your bank than to wait for the company to refund you. If you did not agree to their terms, then you have 60 days from the time of your bank statement to contest the withdrawal. And of course, never give away your account number or social security number.
Insurance Frauds, harassement & discriminations
Hello; This is Z A A I worked for the DOD as a GS12 Int. with the US Army for Iraqi Freedom Operation & when i came back from deployment (09/03/09), i applied online for insurance because i didn't have no longer medical & dental insurance with the government so this company called me (some time they used NBAA, National Benefit Advisory Association...
Read full review of National Benefit Advisory Association and 2 commentsInsurance Fraud
On June 25, 2009 I contacted this "insurance company" who told me they were Trans America Insurance. I was given great pricing on great coverage. Before calling them I had asked a friend in the insurance business (not health) and was told if it was Trans America it should be fine, but was given some questions to ask. I signed up three individual policies (wasn't told I could get family) and I was assured that the "post dated check" would not go thru until June 10, 2009. I called my State Insurance Commission and gave them the answers to my questions that I had been told to ask NBAA, and none of the answers that they gave me were real. I had asked if they (nbaa) were licenced in my state and was told YES..they are NOT, I had been given a fake NAIC #, and was told that my son could use any physician in California, NOT TRUE.
I called back the next day and spoke with Michelle, who I was told was a supervisor, and told her that I wanted everything cancelled, and explained why. She said that she would cancel everything. Another man called me the same day to tell me that they could not wait until the 10th to post the "post-dated" check. I told him that I had spoken with Michelle and I wanted everything cancelled NOW, he said he would take care of it. Since that day thru yesterday, 7/13/2009, I have received at least one call everyday from NBAA and I told everyone of the people that called that this was cancelled and I was not interested and to make sure that this was taken out of their system and everyone of them said that they would take care of it.
Well, today a debit of $759.85 went thru my bank. I called the company and asked to speak to a manager and was given "Tom McDonald", who seemed to be very concerned and talked about how this wasn't the way they did business and that he would call the appropriate person and it would be taken care of and even gave me a phone number of the person that he was going to call to take care of this. I asked for names and he said that Wilma or Collette would call me. I hung up the phone and decided to call him right back for a letter stating that this is cancelled and that I would be getting my money back today. When I called back and asked for Tom McDonald I was told there was nobody there by that name and the woman actually hung up in my face.
My husband went to our bank and signed a statement that this was unauthorized and the bank stopped payment. I have called all of the phone numbers that are on my phone from all of the people who called me from this company and have not been able to speak to anyone and have literally called all day and into the night.
It is a real same that these type companies are out there preying on people who need real insurance for themselves and families. All I can say is please don't fall prey to these reprehensible, unscrupulous people like I and many others have done.
I'm sorry, I am commenting on my own complaint. Actually making a correction.
I was assured my "post-dated check" would not go thru until JULY 10, 2009.
It is a real SHAME that these type companies are out there preying on people who need real insurance for themselves and families.
The complaint has been investigated and resolved to the customer’s satisfaction.
WOW! Unbelievable! I just got this same call! The red flag went up for me when she was so urgent about getting my financial information. I told her it sounded like a scam to me. She laughed and said I was the second person to say that to her! Well DUH! I began googling the 2 phone numbers that I had for them and came up with nothing, so I googled the name of the company and BINGO! Here I am!
False advertising
I was in search fo medical insurance for my family and went online to shop around. Some how my information got to this company and they called me and left a message saying they could prodive health coverage for a family of four for $189.95 per month. I thought that is a great price since the COBRA benefits we had (my husband lost his job) was to expire on 6-5-09 was going to cost us over $1500.00 per month. I called and spoke with Leslie. I clearly explained my situation and said I was looking for medical insurance. She offered there Platium Plan w/ Tier 1. This was to cover 70% of all hospital charges w/ no deductible, regular Dr. visit at a 20-30.00 co-pay, no referral, no life time max, no cap etc. She went on verfiy if our family Doctors where in there plan and the answer was yes. There was 1x enrollment fee of $100.00 which was non-refundable and the first month premium of $189.95. I went on their website to check them out before committing to anything. Once there, I noticed EVERTHING mentioned THIS IS NOT INSURANCE. It was a medical savings plan with an tier prcing simular to AFLAC. I called her back to ask some more questions as I need medical insurance and not a savings plan and I already have AFLAC. She assured me that there are two portions the saving plan and the medical insurance which was the Tier 1. After 4 phone calls asking questions and getting the same answers my husband I decided to go with the company. We allowed them to debit 100.00 plus the 189.95 from our bank. When I received the information in the mail IT WAS NOT MEDICAL INSURANCE as Leslie sold to us. I contaced their office 4x's over Monday 6-8-09 and Tuesday 6-9-09 to understand where the medical insurance portion was. She was refsuing to take my calls and would not call me back. I finally was able to talk to her boss, Nash who as extremely unprofessional and tried to upsell me into Diamond program that was STILL NOT MEDICAL Insurance. This company is selling its medical savings discount program as medical insurance. This is wrong and needs to be researched by the Attorney Generals office.
The complaint has been investigated and resolved to the customer’s satisfaction.
I was contacted several times a day by "Denna" at "American Insurance" who told me theis theat and thee otheer and theat my pre-existing conditions would be covered. There was a non-refundable sign up fee for thee AWA membership (which I don't need since I'm unemployed) and my coverage was to begin January 1, 2012, but I decided to cancel thee policy December 29, before it even began due to thee seriously low ceiling on thee coverage, among otheer theings. I called to talk to Denna and she wasn't available and Megan took my call. I told her I wanted to cancel thee policy and she was rude and asked why. I gave my reasons, theat theis wasn't going to work for me, and theat I had been told it would cover my pre-existing conditions, theen come to find out it wouldn't and theere are better options out theere. I called several times, and pretty much wasn't allowed to talk to Denna again, and kept getting Megan. I was told thee policy was cancelled and "corporate" was out of thee office until thee 3rd and I would have to wait for my refund. Pshaw. Today, thee 13the, no refund, I call again and get someone else and theey say to call thee number on thee card. I talk to Homeland Healthecare, and lo and behold thee policy hasn't been cancelled at all. Surprise, surprise. I finally get thee theing cancelled and my refund is finally for real on thee way. So I call "American Insurance" back and ask for Megan. She's not theere, so I ask for her supervisor, and come to find out she IS thee supervisor. THAT's why she didn't want me talking to Denna again, she didn't want thee proper cancellation information being given to unsuspecting customers. I feel taken by theese people. So, I asked theem, "There's no way at all to make a complaint to anyone at all above Megan?" They said said theat theere was no one theere above her. How perverse is theat, when thee leadership is twisting thee numbers and lying to thee customers about service and morality? Glad I got a hold of someone otheer thean Megan...THE FREAKING BOSS!
I went online for health insurance for my family of 4. Elizabeth started calling me several times a day. I finally spoke with her and she gave me a rate of $363.00 for all of us with 70/30 coverage $10 generic rx and $20 brand name copays of $20 for dr and $40 for specialist, in patient and outpatient and er included as well as dental, vision and hearing. Also, a $10, 000.00 life ins policy. She then transferred me to Lindsay to verify everything and they wanted my routing number or a fake credit card number to hold the rate as I didn't need it to start until 10/01/11. She also said that once their applications were gone the rate would go up. They really tried to get payment info from me but I told them I needed to discuss it with my husband first. Then I found this website and read all this. Elizabeth is suppose to call back today @4;30 for my decision. It will definetly be NO! I just know that their going to keep calling me 5+ times a day like they already do. Really can't someone do something to put them out of business this is a disgrace!
I just have been ripped off by this company as well, how can they continue to do this to the public? They assured me, if I give them my bank name and account number they could hold my insurance until that date the money would be in the account. I went to my bank account and low and behold they had already submitted it for payment. The person told me that as long as they didnt have my routing number that they couldnt deduct the payment. They also told me they worked at the Homeland Insurance company, when I called Homeland they told me that they were a 3rd party seller. I feel like they lied to me and stole my money. They just kept asking me if I wanted to cancel my insurance, and why should I have to cancel something that is not even suppose to be activated yet. So who we report them too?
PLEASE PEOPLE don't give these people your money. I worked there for a year. Rip off is an understatement. This is not insurance and the discount plan will never save you enough to cover your monthly fee. I promise. I quit working there because I just could not lie anymore.
Well Yes I too was lied to. This seems to pretty common practice for this company. I contacted the attorney generals office and the local business administration in my state. They both informed me to immediatley discontinue the electronic withdrawals from our account and asked me to file a formal complaint with the attorney generals office. I urge you all to do the same. This is the only way to stop this company from victimizing anyone else. I am also going to contact my local consumer news advocate. Please do the same!
This company seems to prey on those who are in the most need. We, too, have been bold-faced lied to. When we confronted this company by phone telling them we wanted a FULL refund, including the $100 non- refundable fee, they retorted they they have us agreeing to this fee in a recording. So we asked them if they have the four seperate conversations recorded where they lied about the coverage for presciptions they promised would be covered. They hung up the phone at that point. We explicitly asked about the medication on four different phone calls.
This company runs a despicable scam and should be shut down immediately!
I too was seeking helth insurance. I was told that although Nbaa wasn't major medical they were a PPO and I could go to the doctor of my choice. I inquired was my doctor on the plan and I was informed by Jen that she was. I was also told that all of my medication woud be covered by their plan. I asked to research Their plan, however, I wasn't given any names until I had paid my membership and one time processing fee. When I received my packett none of doctors or medication was covered by this plan. Since I request this information prior to signing I want my money as a full refund. Please stay away from NBAA. Unhappy in Philadelphia. PS I won't stop until I get every dime back.
I too took out a policy being told it was health insurance .I call on the 17th of july to have my policy cancled because it wasn't health insurance.I was told to mail back everything in my packet and they would refund my money .It is now the 31 of july and no refund yet .I do know they recieved and sign for my return...No one should do busssiness with this company...Now because of there lies I have pre existing illnesses that my present insurance will not cover for 6 months...It's not fair...
FALSE ADVERTISING ISSUE TOO!
I needed health coverage too, the agent (brandon) was so through and explained the coverage several times over the phone. copays & hospital repricing. hosp plan: covered 70/30 or 80/20..no deduct..no contract
no pre-existing. sounded good to me...had emergency surgery 4 days after card was actived...they didn't cover 70/30 or 80/20..I think that they took 10% of bill, leaving me with $10, 364.48 to pay.(unemployed)
the company stated that they weren"t an insurance co.(i knew that)but I expected them to pay more towards my bill. I"m cancelling them today..CVS is the only place that has giving me a discount! mad lady fm atlanta.(C.REES)
On June 25, 2009 I contacted this "insurance company" who told me they were Trans America Insurance. As yu have all commented, I was given great pricing on great coverage. Before calling them I had asked a friend in the insurance business (not health) and was told if it was Trans America it should be fine, but was given some questions to ask. I signed up three individual policies (wasn't told I could get family) and I was assured that the "post dated check" would not go thru until June 10, 2009. I called my State Insurance Commission and gave them the answers to my questions that I had been told to ask, and none of them were real. I asked if they were licenced in my state and was told yes..they are NOT, I had been given a fake NAIC # and was told that my son could use any physician in California, not true. I called back the next day and spoke with Michelle, who I was told was a supervisor, and told her that I wanted everything cancelled, and explained why. She said that she would cancel everything. Another man called be to tell me that they could not wait until the 10th to post the check I told him that I wanted everything cancelled NOW, he said he would take care of it. Since that day thru yesterday, 7/13/2009, I have received at least one call everyday and told everyone of the people that called that this was cancelled and I was not interested and to make sure that this was taken out of their system. Well, today a debit of $759.85 went thru my bank. I called the company and asked to speak to a manager and was given "Tom McDonald", who seemed to be very concerned and talked about how this wasn't the way they did business and even gave me a phone number of the person that he was going to call to take care of this. I asked for names and he said that Wilma or Collette would call me. I hung up the phone and decided to call him right back for a letter stateing that this is cancelled and that I would be getting my money back today. When I called back and asked for Tom McDonald I was told there was nobody there by that name and the woman hung up in my face.
My husband went to our bank and signed a statement that this was unauthorized and the bank stopped payment. I have called all of the phone numbers that are on my phone from this company and have not been able to speak to anyone and have literally called all day.
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