Complaints

The 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:04/02/2025

  Type:Sales and Advertising Issues
  Status:

  UnansweredMore 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 been trying to cancel my policy numerous times and they refuse to let me cancel and refund my money. I have been given misinformation regarding the plan, as well as what is/was covered. I keep getting told I can keep the coverage this month, and they told me there is a ***** period for one month so I would get a free month, and *** told me it was a "money back guarantee", but other ********** told me there is no money back guarantee. I should know that if it sounds to good to be true, it is! This company is NOT affiliated with the BBB, and they received an F rating. PLEASE help me get my money back so I can purchase legitimate health insurance. This company tries to use scare tactics to make me keep whatever it is they are offering and no matter what I say, they refuse to cancel me and refund my money. This is corruption at its finest. Thank you so much, ******** **** ************

  Business Response

  Date: 04/01/2025

  Good Morning,

  Your complaint is unfortunatley misdirected. ******************** is only a network of providers and facilities it does not engage in the sale or marketing of insurance policies, thus it would be unable to issue a refund.  I attemted to locate an accout under your name with our facility and could not locate one, if you could provide a member ID or  a copy of the card you were provided I may be able to  asssist you in locating the correct contact to cancel your insurance plan.

   

  ******** ******

  MBA Inc.

  Customer Answer

  Date: 04/01/2025

   
  Complaint: ********
  
  I am rejecting this response because:

  It was stated to me by **** ext **** that the insurance plan I have through ******************** was satisfaction guaranteed. I started calling the company the day after my plan was active (3/20/25) and was told that I would have a one-month ***** per period if I was unhappy and there was a money back guarantee. I started getting bad feelings about the company and checked through the BBB and saw they are not accredited, and they have an 'F' rating.

  I contacted **************** because I was told through ************ that I was referred via ******. There is NO documentation or any knowledge that ****** referred First Health. I asked how something like this happens and I was told that unfortunately companies have access to insurance company information and thus pretends to be someone they are not. I had somewhere along the lines of 12 calls in four days pretending they were with ********** and they were not. All calls led back to First Health.

  I have tried to cancel the plan after finding out via the BBB that the company First Health, is not what they appear to be, and there are numerous complaints against them. I believe they knowingly scam and deceive customers, refuse to let them cancel plans with them, and refuse to issue refunds.

  I've notified the BBB, my bank, ****************, and my next call will be to the PA State ************************* regarding insurance fraud. I don't take any of this lightly and I'm disgusted that they have used me, taken my money and aren't even legit, and are pretending to be.

  I appreciate all of your help with this, and truth be told, I don't like being scammed and they've lit a fire under me that I want them to own up to the fraud they are committing. I also want to make sure nobody else is scammed by this company.

  
  Sincerely,
  
  ******** ****

  Business Response

  Date: 04/01/2025

  Good Afternoon,

   

  Unfortunately First Health again is not an Insurance provider and we do not have any employees with that a 3 digit extension or by either name.. If you oculd provide me with the image of the back and front of the insurance card I may be able to provider further assistance and direction. I can assert that First Health is not the insurance only a network of providers and facilities.

   

  Thank you,

   

  ******** ******

  MBA Inc

• Initial Complaint

  Date:03/25/2025

  Type:Service or Repair Issues
  Status:

  UnansweredMore 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.

  My health insurance is through International Benefit Administrators. I started coverage last June of 2024. Since I started coverage, they have refused to pay any coverage toward any of my bills. I received a call today from my dermatologist that my insurance was refusing to pay any of yearly skin check charges and that they received a request from my health insurance carrier requesting my former medical records before coverage started which the provider told me is illegal and that a law was passed preventing insurance carriers from doing this. I called the claims line today and an agent called me and as soon as I started talking, he then put a survey on the line and hung up. He never called me back. Im beginning to worry this is a total scam and that they arent going to answer the phone. My insurance card says *********** underwritten by *************. member ID *********.

• Initial Complaint

  Date:01/24/2025

  Type:Order Issues
  Status:

  UnansweredMore 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.

  First off, this plan was sold through the "marketplace" even though we now find out it is not a marketplace plan. We accrued over $200k of medical bills for my wife when she was unexpectedly diagnosed with lung cancer. *** has used every despicable trick and tactic in the book to avoid paying for any of these claims. They are all but impossible to speak with. I have spent over 100 hours on hold, being transferred back and forth between people and then disconnected or told someone will call me back, which never happens. I then have to restart the whole hellish process over again. Numerous HCPs have said the same about never getting an answer . They perpetually kick the can down the road and blame **** for not providing requested documents but oddly, NONE of these HCPs ever receive a request. When I intervene and have the requested information sent by registered mail, *** then says , too bad....you are out of the claim period. One hospital involved says they "have never" had *** pay a single claim. It is amazing that these people are allowed to operate and should have their licenses revoked. The way this company operates is morally reprehensible. Not only do they take your premium under false pretenses but they leave you exposed to financial ruin by not leaving up to their obligations.

  Customer Answer

  Date: 02/20/2025

  At this time, I have been contacted directly by International Benefits Administrators, LLC regarding complaint ID ********, however my complaint has NOT been resolved because:

  [Your Answer Here]

  A claims manager from IBA  contacted me several weeks after my request for one to call (it was supposed to be within 2 business days).  This was a few weeks after filing the complaint with the BBB.  It was a very confusing conversation that lasted over an hour.  The agent said that two of the major claims/ bills in question that total over $100,000 had been closed because they never received the required information from the provider.  This is a theme that has been used by *** over and over again.  I told her I had proof that the information was sent via registered mail and signed for by *** in October after having been given the same "we never received the information" multiple times by IBA.  Then after a 10 minute or so hold, she "miraculously" found the records and said there were in "stage 2" of review but still maintained the claims were closed.  Why were they in review if the claims were closed?  We went round-n-round on this for a good 20 minutes. So as usual very conflicting information.  She said she would request that the claims be re-opened but that it would take 90 business days for that to happen.  Really ????  Based on the previous past 12 months of dealing with this nightmare I would expect that in 4 months they will come up with another excuse to not pay these claims.  At this point I was told I have to wait at least ************************************************************** the matter!

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  Sincerely,

  ******* ********

• Initial Complaint

  Date:01/13/2025

  Type:Order Issues
  Status:

  UnansweredMore 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 pay this **mpany (***********/*****************) $550 a month for health insurance. I have tried numerous times to reach them via phone and email to discuss claims/Bills I have receieved from my ** that should have been **vered under the insurance plan. Ie: Wellness check up and mammogram. I have spoken with my doctors office and they have informed me that they have sent the claims 2x to insurance ** with NO response. If I do not pay these amounts the ********* is charging me it will effect my credit. I would like this resolved! The **uple of agents I spoke with at *********************** *************) said they have had issues with Smarthealth and were very rude as well. The **mpany I have called out in **mplaint is the International Benefits Administrators that is printed on the back of my insurance card. Member ID: *********

  Business Response

  Date: 01/21/2025

  The complaint is calling out International Benefits Administrators (the claims payor), not ***********************. Can you look at re-directing this complaint? We are not a carrier or a claims payor and have no insight into any claims filed by the complainant. You can see in the complainant's complaint that they did successfully speak to our customer service where we tried to transfer them to the carrier or the claims payor. 

• Initial Complaint

  Date:12/20/2024

  Type:Customer Service Issues
  Status:

  UnansweredMore 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.

  They are not responding to providers calls and messages which is causing delays in medical bill payments and is causing things to be sent to collections. When you try to call they will say if you opt in for a call back they will call you back which they never do. You will stay on hold for hours and nobody answers. You pay all this money monthly and when the time comes for them to do their part theyre nowhere to be found. This company seems very fraudulent.

• Initial Complaint

  Date:10/03/2024

  Type:Service or Repair Issues
  Status:

  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.

  Multiplan Medical Health Insurance: (Federal Life Insurance-Carrier)Enrollment: First Enroll (Qualifier), Effective 01/01/2024, Terminated 09/30/2024 Claims Processing: International Benefits Administrators *************)Complaint:1) Physician, ER, and *********** claims unpaid (> 5 months)2) Website patient portal status information incomplete 3) Unable to reach *** for over 10 weeks-120 minute wait, no call backs, no electronic communication abilities 4) Unable to seek needed medical attention due to lack of adequate insurance sold under false information 5) No accountability between insurance carrier and out-sourced entities

  Business Response

  Date: 10/18/2024

  We were able to engage in a meaningful conversation with the member, where we addressed her concerns and resolved all her outstanding issues. Our dialogue was effective, leading to a satisfactory resolution. 

• Initial Complaint

  Date:09/03/2024

  Type:Service or Repair Issues
  Status:

  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 had 2 surgeries that this company is refusing to pay. The first (hip replacement surgery) they denied because they claim it was a pre-existing condition, which it was not, and they refuse to provide their reasoning for considering it as such. The second, ankle surgery, they refuse to pay because they have processed it incorrectly as knee surgery, and refuse to make the correction despite numerous attempts on my part to have them correct this.I have been trying unsuccessfully to work with this company for 2 years on my claims. They have stonewalled me, led me and medical offices on wild goose chases on "missing documents", and made communication impossible, with hour hold times that result in disconnections. They stopped mailing communications completely, and have made it impossible for myself and the offices to get a hold of them and resolve issues. They claim to have emailed and mailed forms, which I never received, and claimed to not have received information from doctors' offices which were sent. I contacted the state of Texas office that oversees insurance companies to request an independent review and they said they do not have record of this company as an insurance company, but were able to see numerous complaints about it and encouraged me to file a fraud complaint with the government.I have exorbitant bills that I am expected to pay. This has caused me immense distress and I still do not know what to do to resolve this problem and am unable to pay these bills, which were both pre-approved, and covered under my policy.

  Business Response

  Date: 10/25/2024

  We addressed her concerns to the best of our ability, although we couldn't completely satisfy all of her concerns. We offered alternative options and solutions to explore.

• Initial Complaint

  Date:09/02/2024

  Type:Service or Repair Issues
  Status:

  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.

  My husband purchased a policy in March. They ran a medical audit, assigned us coverage and assured us if a surgery was needed it would be fine. Since then, NOTHING has been paid by them and they ignore Prisma (the hospital) when they try to reach out to them. We now owe prisma $56,944.68!! I dont have that kind of money!

  Business Response

  Date: 11/14/2024

  We addressed her concerns to the best of our ability, although we couldn't completely satisfy all of her concerns. We offered alternative options and solutions to explore.

• Initial Complaint

  Date:08/20/2024

  Type:Order Issues
  Status:

  UnansweredMore 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.

  International Benefit Administrators is a horrible insurance company . . . the benefits paid are less than the premiums. I have a claim that I desperately need to speak to an agent in regards to and have been trying for WEEKS to get a human being on the phone. The on hold message offers you the option to get a callback - I have left my office number and my cell number MULTIPLE times. I have yet to receive the callback. This insurance company is barely short of being a scam. I am going to cancel my coverage and attempt to find something else.

  Customer Answer

  Date: 09/16/2024

  Better Business Bureau:
  
  At this time, I have not been contacted by International Benefits Administrators, LLC regarding complaint ID ********.
  
  Sincerely,
  
  *********************************
  

• Initial Complaint

  Date:08/05/2024

  Type:Order Issues
  Status:

  UnansweredMore 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 went in for an annual mammogram last May and have been relentlessly trying to contact someone at the ********** to dispute a claim. My benefits included coverage of 100% for mammograms and they only paid $156.35. I have been billed for the remaining $705.65. I cannot reach anyone on the phone and have requested call backs through their automated system which results in an automatic callback stating no one can call me. I paid my monthly insurance payment on time, every month and they have failed to provide the coverage that I paid for. This is only ONE of the claims they have not followed processed correctly.