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Complaint Details
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Initial Complaint
06/12/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
The original date of signing up for this insurance was on 3/22/2024 . The insurance was intended as a temporary plan for 3 months since I was laid off from my job in February. We clearly specified this to the customer service rep stating that this was all we would need. The total cost was $2,679.00 for my husband, son and myself. They immediately took out the full $2,679.00 from our bank account on 3/22/2024. They sent us our paper cards which were supposed to just be temporary and never received a hard copy. The paperwork also stated that they were Quick Health and not Optimed Health which seemed strange. It also stated that we would be charged again on 9/20/24 and quarterly after that which I have included in the attachments. This company is very deceptive and seems to be a scam. They had different names on our bank statement as well. Then we noticed that they were fraudulently withdrawing $2,679.00 on 5/9/2024. I called and spoke to a representative who told me he would fix the issue and that we would be refunded in a month. One month has gone by and we still have not seen any reimbursement. Then on 6/3/2024, they took an additional $2,679.00 out of our account. My husband immediately called our bank and we closed our bank account while they continue to conduct an investigation. I have tried a handful of times to get assistance and a better understanding of what is going on with these charges and with getting a refund. Unfortunately, the customer service reps have been extremely unhelpful and there has been absolutely no resolution. They have been rude and disrespectful. I have attached all the paperwork and documents to support this claim. This company seems to be a scam and the ****** reviews prove this. I only wish that in my vulnerable state of getting laid off and losing my families insurance that I had done a better job of researching this company. I appreciate any help that you can provide.
Business response
06/14/2024
Good afternoon,
OptiMed is the Third Part Administrator responsible for processing claims only.
The enrollment and billing are handled by Quick Health. We have forwarded the complaint directly to Quick Health.
Regards,
*********************************
Initial Complaint
05/24/2024
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
I had a HSA account through **********************, on 5/16/24, I closed the account and was supposed to receive a refund for 950,22. It normally should take ***** hours, to process the refund. I received a message that it would be deposited on 5/20/24, I still haven't received my refund.Business response
06/03/2024
Good afternoon,
**************** had an Employer funded HSA account and requested a disbursement on 5/16/2024. The request was forwarded for processing and the request for the disbursement was submitted on 5/20/24. The disbursement was settled in ******************** account on 5/28/24. We apologize for the delay due to our Third Party who processes HSA disbursements.
Sincerely,
*********************************
Compliance Manager
Initial Complaint
05/17/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have been attempting to contact Optimed health to discuss my health policy and everybody I have spoken to tells me I have to contact the person that sold me the policy. That person has not worked for this company for over 2 years. I want to cancel my policy but no one will help me. I cancelled the debit card that was being used to pay but now they have written a fraudulent check for the payment. A check was written with a comment that authorization was received. This is false. Unsure how they got my checking account number?Business response
06/04/2024
Good morning,
Mr. Sink purchased an OptiMed MEC 3 product via a Third-************ on May 13, 2022 and paid the first payment via a debit card.
On July 1, 2022, ************ reached out to our **************** Team requesting removal of his debit card for future payments and was provided instructions on how to access the member portal to update his bank account information to begin paying the monthly premium via ACH.
Beginning July, 2022,the monthly premiums were paid via ACH. Please see the attached report.
May 21, 2024, a call was received requesting cancellation of the policy and a cancellation request form was sent via email.
Mr. Sinks policy was cancelled, effective 6/1/2024.Feel free to contact me if any additional information is needed.
Sincerely,
*********************************
Customer response
06/05/2024
This bill was still being paid by a debit card and this was verified by my fiance with her bank. She canceled the debit card and then the insurance company sent a check to the bank stating it had been approved by her. The payment had never been taken out in this manner before. We did finally get hold of the insurance company and was able to cancel. I believe the "check" that had been written against her account should be refunded.Business response
06/14/2024
Good afternoon,
In our first response we supplied documentation that a change was made effective 7/1/2022 to change the premium payments to be paid via ACH. Attached please find the document supplied with the first response. Please note on the attached document that last four digits listed are 2393 for the payments beginning 7/1/2022.
I have attached an additional document notation recorded on **************** account of the requested information to change the method for the premium payment.
Beginning 7/1/2022 all premium payments were paid via ACH from the 2393 account.
On May 21, 2024, a call was received requesting cancellation of the policy. Mr. ****** policy was cancelled, effective 6/1/2024.
Feel free to contact me if any additional information is needed.
Regards,
******
Initial Complaint
03/25/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I signed up for this the last day of February 2024, I was told this was the last day of open enrollment so I need to sign up. I was promised that this company would cover my expensive prescription and they were just waiting on paperwork to have y doctor fill out. Low and behold just after the 30 day ***** they did not cover the medication. I called several times within the 30 days being told the same thing about the paperwork. I have been told people understand my predicament but administration will not approve the refund because of the time frame. Nobody has the authority to refund me my money even though I was told incorrect things several times.Business response
03/29/2024
Good morning,
Attached please find our response to ********************** complaint.
Sincerely,
*********************************
Initial Complaint
03/11/2024
- Complaint Type:
- Product Issues
- Status:
- Resolved
- I called a 800 number believing it to be covered ********** health insurance, to get my premiums lowered due to a new lower monthly income (I'm a freelancer)-The agent answered and sold me new health insurance under the disguise that she was covered ********** - She charged me $354 on 3/4/2024 for my march medical insurance. I told her I had just paid $527 2/27/2024 for March and she said that I would get that as a refund.I called Covered ********** 3/8 to find out where my refund is they said I'm still on the $527 plan and nothing has changed in my account. -Turns out I had signed up with optimed not Covered ********** - Covered ********** also said that there is no changes on my account I'm still at the Blue Shield $527 amount in the portal - I have not received any health insurance in the mail - I have no refund of the $527 - Covered said Optimed overcharged me The actual new amount on blue shield is $114 not $354 - Covered ********** said no amoun would have needed to be paid until April if it was being done through them - I believe the agent deliberately misled me and lied because I don't have any refund or new medical insuranceInitial Complaint
02/26/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I have been attempting to be in touch with this business for over a month. I was promised I would have insurance cards sent to me weeks ago, and I have not received them. I have sent 3 emails and made numerous calls and my inquires have been left unanswered. This morning, they notified me that my policy lapsed in 2023, BUT I NEVER HAD A POLICY IN 2023!!! I am now seeking a refund from this business and I believe it to be entirely fraudulent and grossly unprofessional.Business response
03/14/2024
Good morning,
Attached please find OptiMed's response to ********************** complaint.
Feel free to contact me if any additional information is needed.
Sincerely,
*********************************
Initial Complaint
01/23/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Optimed health 1/21/24 $338 Optimed health 12/22/23 $335 I was promised a service that I never got . I was told me and my daughter were insured through this super wonderful plan. On there website is a list of pediatrician. When I used that list to schedule an appointment for my daughter not one of the doctors on the list were valid or they didnt recognize are even know who optimed was. I just wants a full refund because of the false promises I totally feel like this place is a scam.Customer service is not professional . Ive had two phone calls where Im on hold for 20+ minutes and then the call just ends ..on there end. Anytime I did get in contact with a person, they will say , oh well let me transfer you and then you get transferred to a dead end. *** spent hours trying to cancel my plan and get a refund, and it feels like theyre just teasing me at this point by tossing me around phone call to phone call. NEVER USE THIS PLAN. Also was told I would receive ID cards in the mail.. its been a month and I havent got them . I called and asked about it and they said just to keep waiting.Also I was told that when I started in December, my next payment would be in February and they charged me in January and really put me in a hole by not keeping there word .Because of them my daughter has been late on her doctors appointment . Im almost 8 months pregnant right now and because of them I dont even think Im insured and Im ready to a bill hospital bill anyday now .Business response
02/01/2024
Dear BBB,
OptiMed is the billing administrator for the product sold to ************* The product was sold by a third-party Agency.
When a member calls to cancel their policy, our **************** Team is required to transfer the call to the third-party Agency that sold the product. After transferring the call, our **************** Team emailed ************ a cancellation form. The completed form was not received by our **************** Team.
Correspondence from the third-party Agency was received on 1/24/24 to terminate the coverage, however the correspondence stated no refund was due.
We are sorry to hear ************ is not happy with the product sold by the third-party Agency. As the billing administrator, OptiMed confirmed ************ did not file a claim and a full refund was processed on 1/31/2024. Please see the attached refunds processed.
$353. Refund for 12/20/2023 charges
$338. Refund for 1/21/2024 chargesWe hope a full refund to ************ will be to her fullest satsifaction.
Sincerely,
*********************************
Initial Complaint
01/19/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I signed up for health insurance with Multiplan Optimed Health Insurance May 2022. During the initial conversation, I was told that routine doctors visits, prenatal care, lab work would all be covered. I have been paying on average $350 per month for 18 months. I recently did a routine Pap smear with labs and was charged over $800, with insurance paying $0. I then became pregnant and was then told they do not cover any doctors visit etc. I do not know how companies like these can get away with fraudulent acts such as this. I need my money back, I am now left with an amount of bills, when I was scammed over $6300Business response
02/01/2024
Good afternoon,
We are unable to find a member by the name of ************ in our system.
Could you please supply some additional information to help locate this member.
Full first name
Last 4 digits of the payment method used to pay their premium
Copy of their ID card
Once this additional information is received, it will be our priority to search for the member and investigate their complaint.
Sincerely,
*********************************
Initial Complaint
12/18/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
On August 29, 2022 my husband and I started a health insurance policy through Optimedhealth. We found it through Heath.gov. The premium was a little high ($463.) compared to others wed looked at but no deductible and dental insurance were inferred. (No dental)My husband sees a urologist every 6 months we cleared him as a provider. We do not have other regular Dr. ********* September 2023 my husband had a check up with the urologist. Optimed paid nothing. When I called hospital billing they said when they submitted the claim optimed told them our coverage had been terminated. Optimed said we were never terminated and their explanation was 1st that billing lied, then they said to resubmit the claim. Billing said they would but since there was already one in the que that a new claim would get kicked out. Then, optimed said that they recently moved and claims were not sent to the right address. This happened on 3 different bills. We never missed a Payment=approx $7000. We could have paid these bills several times over with what we paid them. The outstanding medical bills total $949.00 still unpaid as communicating with optimed is going nowhere. Excuses. Solutions We do not have authority to complete. ie, resubmitting claims.Im frustrated but also worried that there are other, maybe older folks out there that are being taken advantage of. As getting answers and resolve is a merrygoround and misleading making you think they have done their job and everyone else has messed up or been dishonest.I want our claims paid as they stated they were covered. And I want people to know that this company is misleading and not trust worthy.Business response
12/27/2023
Good morning,
We have received the complaint submitted and wanted to provide an update.
************** stated $994. in bills. To date, we have received two claims for a total of $664.
Attached please find the EOBs for the two claims received. Both claims have been forwarded to the Claims Manager for review.
The information provided to ************** was provided by an Independent 3rd Party Agent and not our direct Team. We have reached out to the Agent as well.
Thank you for your patience as we research and will respond as quickly as possible.
Sincerely,
*********************************
***********************************
************
Initial Complaint
10/25/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
I canceled my insurance on Oct 4, . I requested for them to return the balance. I called and several times I was sent to voice mail. I sent email to them and they finally replied with a denial of my claim.Business response
11/01/2023
Good afternoon,
We have received the request to refund ********** for his November, 2023 premium.
Attached please find confirmation for the processed refund. It may take 5 to 10 business days for
the refund to appear on ************** account.
Sincerely,
*********************************
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Get a QuoteCustomer Complaints Summary
14 total complaints in the last 3 years.
12 complaints closed in the last 12 months.