Complaints
Customer Complaints Summary
- 63 total complaints in the last 3 years.
- 28 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:03/19/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
To Whom It May Concern,I ****** *****-******* and ***** ******* ********, wish to have a complete refund of monies extracted from my bank account dated: January 29, 2025 in the amount of: $574.98 and on March 7, 2025 in the amount of $475.98 also, this contract needs to be canceled immediately and cease and desist from anymore ************** husband and I were falsely and fraudulently misguided by (**** *********) Who presented himself as a Broker for the Marketplace. Furthermore, after careful investigation my husband and I found out that **** in fact is not a broker for the Marketplace they have no knowledge of him at all! My husband and I currently have health insurance coverage through ANTIDOTE, which we don't have to pay any monthly premiums. This is a terrible invasion of privacy and very unlawful, my husband and I would like the contract we signed under the false pretenses of **** *********. This is unacceptable and accountability is everything! I have enclosed in the body of this email proof of the coverage we have with no monthly premium payment's. I spoke to a lady named (Tay) who works for neo insurance who stated I needed to forward this email to the ********************* to get my refund for this fraud that took place... We need our refund immediately!Respectfully,****** *****-******* and ***** ********Business Response
Date: 04/01/2025
Neo Insurance Solutions is sorry to hear that ****** *****-******* is not satisfied with their experience. Our records show that ****** *****-******* was enrolled in their plan on 01/25/2025 with an effective date of 02/01/2025. Before addressing the specifics of the complaint, we thought it would be helpful to explain the nature of our entity. Neo Insurance Solutions is a licensed agency (FL license: ******** that provides an enrollment platform, customer service, print-and-mail fulfillment, and billing services to third-party, independent agents.
Neo Insurance Solutions does not conduct direct sales and has no first-hand knowledge of the complainants experience with their independent, third-party agent **** ********** of America's Health Agents.
With regards to the complainants comments surrounding their coverage, our records reflect that their plan was terminated on 03/31/2025. According to our terms and conditions the complainant is not eligible for a refund.
Customer Answer
Date: 04/02/2025
Complaint: 23087431
I am rejecting this response because:
My husband and I never were willing participants or wished to be fraudulently inducted with this entity. Your nothing but a scam artists need to be dismantled under false pretenses, we deserve our monies back your company stole from us, under the disguise of representing the Market Place. I pray one day Neo insurance gets shut down and investigated for erononisly taking people's monies like you did us and countless others, I have filed a complaint against Neo insurance with The ************************ as well, your low down with no moral compass.
Sincerely,
****** *****-collnsBusiness Response
Date: 04/02/2025
Hello - at the complainant's request we are including their electronically signed application for their plan. The plan details the schedule of benefits, the amount that will be charged, authorization to be billed, and the cancellation policy. You will find the complainant's signature at the bottom of the document. As stated previously we are an enrollment platform that provides billing services and fulfillment. We have no direct knowledge of the complainant's conversations with their sales agent.Business Response
Date: 04/02/2025
Hello - at the complainant's request we are including their electronically signed application for their plan. The plan details the schedule of benefits, the amount that will be charged, authorization to be billed, and the cancellation policy. You will find the complainant's signature at the bottom of the document. As stated previously we are an enrollment platform that provides billing services and fulfillment. We have no direct knowledge of the complainant's conversations with their sales agent.
Initial Complaint
Date:03/10/2025
Type:Order IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Please see detailed explanation belowBusiness Response
Date: 03/18/2025
This complaint is not about Neo Insurance Solutions. The complainant is referring to her sales agency - America's Health Agents. We do not do direct sales and the agency aforementioned is a licensed third-party insurance agency that uses our enrollment platform. Could you look at re-directing or removing this one? The member got their money back and they did not request anything in their desired outcome. Thank you!Customer Answer
Date: 03/18/2025
Hello. This is in response to the companys response. I am not surprised that they are shifting blame. All of the emails regarding cancellation came from them, NEO. The phone number I called was on their email. They could not give me an answer to why I was cancelled. I already stated that my money was refunded. This is about the reason for the cancellation. Im not sure who I talk to about investigating this company. If I need to forward emails and texts I can. Their response is incorrect in saying that I did not ask for anything else besides my refund. I clearly asked several times why I was being cancelledCustomer Answer
Date: 03/19/2025
Complaint: 23046426
I am rejecting this response because:Hello. This is in response to the companys response. I am not surprised that they are shifting blame. All of the emails regarding cancellation came from them, NEO. The phone number I called was on their email. They could not give me an answer to why I was cancelled. I already stated that my money was refunded. This is about the reason for the cancellation. Im not sure who I talk to about investigating this company. If I need to forward emails and texts I can. Their response is incorrect in saying that I did not ask for anything else besides my refund. I clearly asked several times why I was being cancelled
Sincerely,
***** ********Business Response
Date: 03/19/2025
Please review this. The consumer sent an email thread. We are not clear on what the consumer wants. Please move to a review and not a complaint.
- Thank you,
EvanBusiness Response
Date: 03/20/2025
The member was enrolled into her plan on 12/2/24 with an effective date 12/3/24. Their application was reviewed and signed with this effective date. As mentioned previously Neo Insurance Solutions does not conduct sales, and has no first hand knowledge of the complainant's enrollment experience with their licensed, third-party insurance agent that uses our platform.The member's plan was terminated for non-payment of January '25 ********. It appears the sales agency tried to re-enroll the member; unfortunately, this type of plan is not eligible for re-enrollment. We have record that on 2/14/24 the complainant contacted our customer service team. Our records reflect that re-instatement was denied by the complainant on that day.Customer Answer
Date: 03/20/2025
Complaint: 23046426
I am rejecting this response because:This company does not want to take any responsibility nor give me an explanation as to why they cancelled me. What is their response to the cancellation emails they sent me on 2/13? Can an insurance company cancel a policy holder without giving them a reason? I did not renew my policy on 2/14 because they would not tell me why I was cancelled on 2/13. Do I take my concerns to the ****************************************** I think they may be interested in knowing about this please advise
Sincerely,
***** ********Customer Answer
Date: 03/20/2025
Since NEO refuses to take any responsibility for anything, I feel that pursuing any further correspondence through BBB would be a waste of time. This could be resolved if they would take the time to investigate why I was cancelled. Since they are unwilling to do so they have left me no alternative but to file a formal complaint with the Florida Insurance Commissioner. Im sure the *** would be interested to hear about my experience with NEO.Initial Complaint
Date:03/07/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I signed up for affordable health insurance on July ******* .talk to the agent and he assured me that this plan would cover my chrohns disease infusions ..I also signed up for affordable dental plan...after several months I received bills from hospital from colonoscopy procedure and also one infusion which was not covered by my insurance I provided...on March 07 2025 I called neo insurance finding out that I never had health insurance with them instead it was some dismemberment insurance I never heard of or sign up for and that would not cover my hospital bills They never sent me any cards...if it was life policy why they never mentioned any pay out amount in case of my deth...or never ask for beneficiary for it? the dental plan was not helpful either because you can't use it anywhere.. provider was not in network ..on March 7th I told neo insurance that if they do not provide healt insurance then I don't need them and want to cancel and also requesting refund. They denied my refund but cancel the account ..its a big scam...I am requesting full refundBusiness Response
Date: 03/18/2025
Neo Insurance Solutions is sorry to hear that ***** ******* is not satisfied with their experience. Our records show that ***** ******* was enrolled in an Accidental Death & Dismemberment plan underwritten by Guarantee Trust Life Insurance *** and a Dental plan on 07/18/2024 with an effective date of 08/01/2024.
Before addressing the specifics of the complaint, we would like to explain the nature of our entity. Neo Insurance Solutions is a licensed agency that provides an enrollment platform, customer service, print-and-mail fulfillment, and billing services to third-party, independent agents.
Neo Insurance Solutions does not conduct direct sales, is not an insurance carrier, and is not a claims payor. Neo Insurance Solutions has no first-hand knowledge of or visibility to the complainants interaction with their sales agent, ****** ********* of Reliasure Insurance Services.
As a part of the complainants enrollment process they signed an electronic application, which we have attached as Application.pdf. The application clearly states that the complainant was enrolling into an AD&D and Dental plan.
Because Neo Insurance does not conduct sales, we are unaware if the complainant completed an enrollment into any other insurance products. We suggest reviewing with their sales agent.Initial Complaint
Date:02/25/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On Dec 24 2024 I enrolled over the phone for Neo insurance. I was told they would charge my card $648. When I looked at my bank account, they charged $648 twice on the same day. When I called Neo insurance to explain the accidental extra charge, they denied seeing that there was an extra charge and that they did not charge me twice even though my bank account reflected that they did. They then advised me because they did not see the charge on their end. I needed to just dispute it with my bank. I started the dispute my bank after that conversation. After not getting anywhere with my bank, I decided just to cancel the insurance because if a company cannot take responsibility for a double charge whywould I do business with them. I am still fighting to get my money back. When I cancel the insurance, they did refund me one of charges for $648 but they still kept the other one. I am still dealing with my bank to try and get the charge removed but bank is now telling me that The refund of the $648 when I canceled was not for the cancellation but was for the extra charge. I will call the insurance to see why they have not refunded me since I canceled the insurance, but Im sure I will still get a lot of runaround.Business Response
Date: 03/07/2025
Upon reviewing the member's account we did spot a secondary charge that was erroneously processed through our enrollment system. On 02/27/2025 we issued the additional refund request.
We apologize for any confusion or frustration this may have caused.
Initial Complaint
Date:02/05/2025
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
We cancelled way before cancellation period. Was told to confirm Monday . We did. We were assured we would not be charged and we were charged. We called and were told it was refunded and we would see it reversed. Reversal was seen on bank account info and immediately removed (same day). Charge went through and refund never did . Called bank and the refund was not there at all. Meaning someone didn't do it or removed it, hence me seeing it and immediately seeing it fall off. Super sketchy business practices. Just called back and was told it was escalated and I would hear something in ***** hours. Why? Why when I have the recording of there error and the receipt of refund would i ever have to wait ***** hours to even hear what the next step would be. Looked online, many many complaints. Not an ethical business at all!!!!!Business Response
Date: 02/13/2025
Neo Insurance Solutions regrets that ****** ******* had a negative experience. Our records indicate that Ms. ******* enrolled in a fixed indemnity plan underwritten by **************** on 11/20/2024, with an effective date of 12/1/2024.
Upon reviewing this account, we found that the customer service representative did not adhere to standard protocol while processing the refund request, which resulted in a voided refund. We apologize for any inconvenience this may have caused.
As of 02/10/2024, this members payment has been refunded. We hope that this refund will resolve the issue to the complainants satisfaction.
Initial Complaint
Date:01/28/2025
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This appeared on my CC so I called. The number on CC keep putting me on hold for an hour. I looked us customer service and spoke to a manager named ***** who stated they had documentation that I had an account but would not send me any proof. I do not even know what this company is about or what they do. I want a full refundBusiness Response
Date: 01/29/2025
Neo Insurance Solutions is sorry to hear that ****** ****** is not satisfied with their experience. Our records show that ****** ****** was enrolled in their plan on 12/02/2024 with an effective date of 01/01/2025.
With regards to Mr. ******* comments surrounding him not possessing any knowledge of this plan, we have attached a copy of the complainant's application to this plan. This application includes an electronic signature.
Our records indicate that the complainant spoke with a customer service representative on 01/28/2025. The notes from the call indicate that the complainant did not want to continue their plan. Mr. ******* coverage was subsequently cancelled. According to our terms & conditions that the complainant agreed to on the application provided, they are not entitled to a refund.Customer Answer
Date: 02/10/2025
Complaint: 22867026
I am rejecting this response because:I would have never signed this due to the fact that why would I as an individual be looking for your type of service. I realize you will not refund my money however I will do everything on my end to help others understand your company is fraudulent. The explanation of what you represent is incorrect. Hopefully someone in your company will care about the peoples money they are taking. I do not know how you lay your heads down at night at night knowing how you deceive people.
Sincerely,
****** ******Business Response
Date: 02/11/2025
This member is recorded on a call and signed an electronic application which we provided to enroll in this plan. He also spoke to to our customer service team and said he did not want to continue his plan. His basis that he had no idea about this purchase is unfounded. Please look into removing this complaint. We don't have any other additional information to provide to respond to his response rejection.Business Response
Date: 02/12/2025
This member is recorded on a call and signed an electronic application which we provided to enroll in this plan. He also spoke to to our customer service team and said he did not want to continue his plan. His basis that he had no idea about this purchase is unfounded. Please look into removing this complaint. We don't have any other additional information to provide to respond to his response rejection.Initial Complaint
Date:01/08/2025
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was told I was purchasing health insurance for *****************. I requested hard copies of cards, nothing ever arrived. I was told a welcome package would come through mail - nothing ever came. It's been 3 months. I was told my insurance was canceled for non-payment and I needed to continue to pay in order to receive cards or welcome paperwork. I would like a full refund because it's a SCAM. *************** wouldn't honor what was given to me.Business Response
Date: 01/17/2025
Neo Insurance Solutions is sorry to hear that Jerondas ***** is not satisfied with their experience. Our records show that Jerondas ***** was enrolled in their plan carrier on 11/07/2024 with an effective date of 11/08/2024.
Neo Insurance Solutions is not a sales agency, and has no direct knowledge of the conversations that the complainant had with their sales agent, ******* ********** of *************************** Our records reflect that the complainant enrolled into a TDK plan. We have no record of a United Healthcare product on the complainants account.With regards to the complainants comments surrounding physical fulfillment of their ** cards. ********************** does not oversee the distribution of physical ** cards for this product. Our records reflect that multiple requests were sent to have the ** cards mailed out. Our system reflects that the member successfully accessed their member portal on 12/8/2024, where online access to ** cards was available.
Although we do not control the physical fulfillment for this product, we have issued a refund to the complainant in an effort to resolve this matter. We hope this refund is satisfactory to ******* *****.
Initial Complaint
Date:12/16/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On 9/19/24 i paid $139 + a one time fee of $25 ($164 total) for health insurance, a recurring fee of $139 was to be drafted from my account monthly. Never did receive any insurance information via email or regular mail. Put a hold on them taking any more money from my account and attempted to cancel it, haven't heard back. Secured health insurance elsewhere and want my money back, never even got a policy number or any insurance info at all.Business Response
Date: 12/17/2024
Neo Insurance Solutions is sorry to hear that ***** ********* is not satisfied with their experience. Our records show that ***** ********* was enrolled in a limited medical underwritten by Southern Guaranty Insurance Company on 11/09/2024 with an effective date of 11/10/2024.
Our records reflect that on the day of enrollment, our system generated a welcome email that was sent to the complainant at ********************* Our emailing system shows that this email was opened on 11/09/2024 at 6:10pm EST. We have attached a copy of the email to this correspondence as WelcomeEmail.pdf. This email included login information where the complainant could retrieve additional information about their plan.
In an effort to resolve this situation, we have issued a full refund as of 12/18/2024.Initial Complaint
Date:12/11/2024
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have paid a lot of money to this company for the lies they told me. I was told that 1) I was getting a PPO insurance plan and 2) A specific medication (*******) was covered under the plan.Instead I rcvd a card indicating it was a HMO plan, and research revealed there was absolutely no coverage for the medication.I was LIED TO REPEATEDLY and PAID A LOT OF MONEY for NO SERVICES.I paid this money to Neo Insurance:9-25-24: $528.97 10-31-24 $314.99 PLEASE HELP ME GET MY MONEY BACK, AND CLOSE DOWN THIS ************** PLEASE FIRE THE **** WHO SET ALL THIS UP ON THE PHONEBusiness Response
Date: 12/17/2024
Neo Insurance Solutions is sorry to hear that ***** ****** is not satisfied with their experience. Our records show that ***** ****** was enrolled in their health plan on 09/25/2024 with an effective date of 10/01/2024.
Neo Insurance Solutions conducts no direct sales, and has no direct knowledge of the complainants sales experience that they had with their agent (******* ********** of **************************). Therefore, we have no comment with regards to the complainants discussions with their agent about being in a PPO plan or not providing coverage for a specific medication.
Our records reflect that we previously issued a refund of $114.98 on 11/05/2024. In an effort to resolve this complaint we have issued an additional refund of $314.99.
Customer Answer
Date: 01/13/2025
Company reimbursed only one month's worth of payment - they should repay the $843.96 I requested. My original request was very clear.
.................
I paid this money to Neo Insurance:
9-25-24: $528.97
10-31-24 $314.99
11-02-24 $114.98
I WANT MY MONEY BACK, AND CLOSE DOWN THIS SHAM "COMPANY"Customer Answer
Date: 01/14/2025
Complaint: 22674586
I am rejecting this response because:Company reimbursed only one month's worth of payment - they should repay the $843.96 I requested. My original request was very clear.
.................
I paid this money to Neo Insurance:
9-25-24: $528.97
10-31-24 $314.99
11-02-24 $114.98
I WANT MY MONEY BACK, AND CLOSE DOWN THIS SHAM "COMPANY"
Sincerely,
***** ******Business Response
Date: 01/21/2025
As part of the complainant's enrollment process, they electronically signed an application that included our terms and conditions regarding cancellations and refunds. According to our records, the complainant successfully accessed their member portal multiple times, where their plan information and resources were made available.
The cancellation request was submitted outside the 30-day free-look period, during which they would have been eligible for a full refund. Additionally, we would like to clarify that Neo Insurance Solutions does not engage in direct sales and therefore has no visibility into the complainant's interactions with their sales agent during enrollment.
In the interest of resolving this matter, we have processed an additional refund as requested by the complainant.
Initial Complaint
Date:12/10/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was told by the first **************** *** I would be charged a monthly ~$360, then the second *** quoted $397 and I said that was not right, she went back to the first *** and confirmed at ~$350 rate for a First Health PPO, with a one time $99 startup fee. This was fine by me as it was lower than the first quote but ahis point I really confirmed that was the correct amount. After I completed the signup I am part of some plan called TDK1 instead of the First PPO and the contract states I will be charged a $397 recurring cost which is $50 more than I was quoted. The ***s on the phone quoted me 3 different rates and I specifically stated I would not pay more than $350 for any plan. As soon as Im off the call I got over 15 spam calls from this business selling my information is my guess or from their own agents who cant tell I already have a plan now. They also had me accept the contract while on the phone and I did not get a chance to fully read it as they wanted me to accept it while the agent was on the line. I want my phone number and contact info removed from their system and Im cancelling this contract for a refund. I dont need any business with a company with false advertising and changing amounts charged on customers multiple times in one day.Business Response
Date: 12/17/2024
Neo Insurance Solutions is sorry to hear that ******* French is not satisfied with their experience. Our records show that ******* French was enrolled in their health plan on 12/09/2024 with an effective date of 12/10/2024.
Neo Insurance is not a sales agency, so we are unable to comment on any discussions that the complainant had with their agent (****** ***** of Prodigy Insurance Gurus) during the enrollment process. We can confirm; however, that Ms. ******* recurring payment would have been $349.74.
With regards to Ms. ******* comments surrounding her information being sold, Neo Insurance Solutions does not sell any of our members information.
Our system reflects that the complainants policy has been cancelled and a full refund was issued on 12/10/2024. At the request of the complainant, they will be placed on our do not call list.
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