ComplaintsforPremier Health Solutions LLC

• Initial Complaint

  09/05/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  On July 3, I started the enrollment process for health insurance benefits for my spouse and myself. The nature of the questioning during the interview process was deeply offensive, and I abandoned the application process. The same day, I enrolled for and obtained Highmark BCBS in ********. I received a letter from Premier Health Solutions I was found ineligible for benefits as I had not completed their interview and application process. On July 3, Premier Health charged my bank account $506.00 and on September 3, charged another $507.00 When I spoke with the advisor at Premier Health Insurance today (9/5/2024) at 2:30 pm EST she told me I had to apply for cancellation and that she would have to submit my request for reimubursement through an investigation process. The syllogism here is that I should somehow have known that:1. Having received a letter informing me I was denied enrollment 2. That having been twice charged 3. I should know how to apply for cancellation This makes no sense. When the process was abandoned and Primary Health sent the letter this should have prevented any further unwarranted billing.

  Business response

  09/10/2024

  Were sorry for any confusion that may be happening as regards this sale. This account was cancelled and refunded on September 5th, 2024. See receipts attached. Premier Health Solutions (PHS) is not the sales agency that sold this to you nor are we an insurance company. Your sales agency is a completely different entity, ********************************** based in *******. Please note that this information is on the refund confirmation email and *-Sign, attached. According to the notes on the account, the sales agent also had an application in for a BCBS plan. This application does not have anything to do with PHS. The agent sold additional supporting products (see the * Sign) separate from BCBS. PHSs role is that of a third-party administrator (TPA) contracted to handle the monthly billing for these supplemental products, which do not require an application process. To be sure that a cancellation and refund is accurate, our customer service sends people back to their selling agents to be sure that there were no other additional products, like the ***** as those would not necessarily be known to us. We only have information regarding what was agreed upon with the signing of the attached * Sign document. Again, this account has now been fully refunded and cancelled. We hope this helps and again apologize for any confusion that may have occurred.

  Customer response

  09/10/2024

  On the phone, the agent (who was incredibly nice and helpful) asserted the signed contract terms applied.  I challenged her the contract could not have been ratified as all that was submitted was an application.  As I abandoned the application half way through their "interview" which was intrusive and inappropriate, and subsequently received a letter I was denied coverage - they never should have charged me. 

   

• Initial Complaint

  09/05/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  At the end of July 2024 I was in need of new insurance. I filled out online information to be matched with a company to help me. I received a call back from ********* **** Bravo. He helped me obtain insurance that was to start on 8-1-24. This insurance and prescription coverage was never usable. When I brought my new insurance cards to the pharmacy to pickup my prescriptions I was told the insurance wasn't activated. The pharmacist contacted the number on the card and tried to help me get the issue resolved to no avail. I was told that the proper paperwork wasn't submitted and that I wasn't currently insured even though I had the cards and had paid for the services. I contacted them multiple times and they tried to sell me additional prescription coverage instead of resolving the actual issue. I asked for cancellation on the plan and was bullied into keeping the coverage. I contacted them back a few days later to inquire about the status of my coverage only to be told that the plan was in the process of being cancelled...FINE, ok! I told them that it was fine, I'd get other coverage. On September 1st they charged me for another month of coverage. I called to get a refund and they refused. The coverage still does not work, I have paid for 2 months and have received nothing in return. All I want is my money back and for this joke of a company to stop scamming people out of their hard earned money.

  Business response

  09/11/2024

  We are so sorry to hear about your experience.Premier Health Solutions is not the sales agency that you spoke with. Your sales agency is Nxt Level Health LLC based in *******. *** is a third-party administrator contracted to handle the monthly billing and remittance for your account. We have refunded you those payments. The last payment for refund went through today, September 11. This payment may take time to clear based on your bank's processing times. Please check your emails for that confirmation and see the transaction history attached. Note that your agency name is also on these refund confirmation emails below the refund information. Again we apologize for this negative experience. 

• Initial Complaint

  09/04/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On 8/24/2024 I requested a quote from the insurance agency in question. I was specific in my needs- A temporary policy SPECIFICALLY needed for short-term use of high cost brand name medication I had been prescribed. The agent said they located a plan for me that would be $416.00 premium that would SPECIFICALLY COVER THE NAME BRAND MEDICATION I PROVIDED AND THE PHARMACY WHERE I HAVE IT FILLED. I agreed to these terms and was texted paper work to sign- the paperwork DID NOT specify any of the plans terms, but the Agent read them all to me over the phone- everything they said met my needs at an agreeable price. It was stated to me that my Policy would enact on September 1st 2024. I paid the September premium and was told my documents would be following. On Sunday September 1st I took my policy info to the pharmacy to pick up my meds and was told i didnt exist in the system. I contact the phone number for ProAct with the pharmacy benefits and was told- they had no files for me - but if my policy enacted over the weekend thatrcould be the reason why and since they are closed mon and tue for the holiday- my info would likely be loaded and useable by the 4th. Today is the 4th, I was unable to use my insurance benefits again. I contacted Premier Health Solutions and was told that "the carrier hadnt sent my forms over to the policy holders,therefore the policy wasnt useable yet and might not be for another ***** days. This is unacceptable as I PAID TO BE INSURED FOR THE ENTIRE MONTH OF SEPTEMBER. I also have VERY little faith that my policy actually covers the medication I took it out for, everyone i contact to ask about it skirts around it and doesnt answer me. Im DISGUSTED by these practices- and im 4 days overdue on my $1000.00 medication that i was ASSURED would be covered and I would be able to pick up on SEPTEMBER 1ST.

  Business response

  09/06/2024

  Were sorry that this product did not meet your needs. Premier Health Solutions (PHS)is not the selling agency. We are a third-party administrator (TPA) contracted to handle the monthly billing and remittance of payments. Your selling agent is ******************* with ************************* based in *******. Some of these interactions you are describing, including the sale, happened with that company and not with PHS. All of our accounts are eligible for a 30-day money back guarantee. Your account has been canceled and payment refunded. Please check you email for these confirmations and note the agent information is at the bottom.We apologize again that this has been a negative experience. 

• Initial Complaint

  09/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I purchased gap health insurance after losing my job. I had the selling agent confirm what doctors and hospitals were in network with the proposed insurance plan that were local to me. He confirmed that my current PCP and hospital were in network. However, on July 4, 2024 I was bitten by a dog and sought to find an urgent care near me that was in network. That search on the provider website showed that there were not any services within 100 miles of me. I was sold one plan, but it appears that I was assigned to another. This is fraudulent. I want a full refund of my premium payments and initial sign on fees for all services I was enrolled in.

  Business response

  09/05/2024

  Were sorry that it was difficult to utilize your products.Your account has now been cancelled and refunded. Premier Health Solutions (PHS) is not who you were speaking to. You were speaking to your sales agency,***************************** with BSA Health Consultants. PHS is not a sales agency, we are the third-party administrator contracted to handle the monthly billing on your account. Please see the attached cancellation and refund information. Please allow time for you bank to process these amounts. The receipts attached will serve as proof of the refund should you need to inquire about these with your bank. Again, we apologize for any confusion.

  Customer response

  09/05/2024

  I have reviewed the business response and accept this resolution. Thank you so much!

• Initial Complaint

  08/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Today, I contacted customer service to cancel my insurance because it does not meet my needs. The coverage provided is insufficient and not comprehensive. I spoke with an advisor who informed me that I cannot cancel until the end of September. I've been a customer for a year, and the service has not worked for me. Unfortunately, instead of offering alternatives, I've only received negative responses. I understand that retaining customers is important, but continuing to provide a service that fails to meet expectations only leads to frustration.I have already asked the advisor to proceed with the cancellation, and now I am formally requesting that you finalize my cancellation today. I do not intend to pay for another month of a service that does not meet my needs. I hope you understand and support the customer in this matter.

  Business response

  09/05/2024

  Were sorry that it was difficult to cancel your account. Your account was cancelled September 2nd. Premier Health Solutions (PHS)is not who you were speaking to. You were speaking to your sales agency, Nxt Level Health LLC. They contacted us on September 2nd and told us to cancel the account, which we did. PHS is not a sales agency, we are the third-party administrator contracted to handle the monthly billing on your account. Please see the attached cancellation notice. Again, we apologize for any confusion. 

  Customer response

  09/05/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  08/27/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  My mother did not apply for a policy through them, but they sent her an Email saying that they took money out of her account. When we tried to resolve the problem, they were extremely unprofessional towards us and did not tell us anything but excuses.

  Business response

  08/29/2024

  We are sorry that this individual is having trouble. We are not the insurance company or agency that made this sale. If you look at the bottom of the statement provided by ****************** with this complaint, the sales agent is listed there. They do not work for Premier Health Solutions (PHS).The sales agency is Assurance IQ, **** PHS is a third-party administrator (***)contracted to handle the monthly billing and remittance for this account. ***************** has been speaking to her agency. As the *** we have now cancelled and refunded this account. See receipt attached. We hope this helps. 

• Initial Complaint

  08/22/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  Was lied about the range of services. 1. Email was misspelled Thus never received any information until later 2. When call ******************************************************************************************** the system 3. They sent be finally the ent doctor contact in the network And found out that I have coverage only for the primary care physician not the specialist 4. Ended up paying out of my own pocket no insurance was used. However when asked for a refund was said that it shows you used it today and paid out of pocket 25$.Which is a lie

  Business response

  08/23/2024

  Were sorry to hear that you have had difficulty with your insurance agency. Premier Health Solutions (PHS) is not an insurance company nor are we the insurance agency that sold you these products. We are a third-party administrator (TPA) contracted to handle the billing and remittance of the monthly payments on this account. Your insurance agency of record is Syndicate Health **************** based in *******. The interactions you are describing happened on calls to that agency and not with PHS. Your account had already entered into the refund process yesterday. Today that refund and cancellation was completed. Please see attached documentation. Were sorry that you had a bad experience and hope that you can find something better suited to your health care needs. Please allow time for your refund to go through. This will be according to your cards issuing banks standard processing times. 

  Customer response

  08/23/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  08/16/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I called the number associated with the address provided which I thought was Blue Shield. They said they were a health insurance brokerage and could help me find coverage. After selecting a plan I provided my credit card information to ************************* who stated he was the insurance agent. I was transferred to ******* who texted me a link to fill out the application which looked only like an agreement. She was being snappy about my questions. I never spoke with a benefits coordinator. I was told I would receive documents via email to sign but never did. The two emails I received had multiple email addresses and didn't state First Health. The names stated were Premier Health LLC, TVP Health Sponsored by Vitamin Patch and BSA is the name you hear when calling customer care. At the bottom of one email it read your selling agent *********************** *******, I never spoke to or about. They also emailed me that I was charged the $416 for the plan. I found they are not listed at the given address, they do not have any address listed. When I called back to cancel I spoke with ************************* again but this time he said he was customer care and his name was **************** He became angry, **** and confrontational demanding multiple times for me to explain what about the plan doesn't work. He would not allow me to cancel and said the cancelation department would call me in 3-5 days. I looked up TVP Health and saw a few different sites of people saying it was a scam and they had the same problem. I cant upload the document I signed as the link says it's no longer available.

  Business response

  08/22/2024

  We are so sorry to hear that this has been such a negative experience. The plans being sold are not a scam. They are also not major medical insurance, however, and are likewise unaffiliated with BCBS.Premier Health Solutions (PHS) is a third-party administrator (TPA), contracted to handle the monthly payments and remittance for this account. We are not an insurance company or sales agency. The sales agency that you contacted, and had these interactions with, is BSA Health Consultants, **************, ************************************************* They are based in *******. *********************** is the agent of record on your account. The person you were speaking to was most likely a sales representative that assisted with his sales. In our role as TPA, we have now refunded the account. The account had already been cancelled. PHS had one call for this account which was a request to cancel on 8/15/24. When reviewing the call for the cancellation, the desire to cancel was communicated but not the refund. The account was eligible for a full refund so that has now been entered. If there was a different call requesting a refund,it was most likely a call with the selling agency mentioned above. The refund was issued today. Please allow your bank their standard processing time to apply that refund to your account. Were sorry that you had such a difficult time with this agency and hope that the refund has helped to resolve the complaint. 

• Initial Complaint

  08/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company took out a monthly payment after I canceled services. They had initially refunded the money but then took it back out and are now denying that they charged my account a second time. I have screenshots to prove that I was charged again and I need this money refunded back as soon as possible.

  Business response

  08/12/2024

  We are so sorry for any confusion. We have not charged this account again. It was charged on August 1st and refunded the same day. Please see receipt attached. We would be happy to call your bank on a 3-way call to have this straightened out and be sure that they are not charging you erroneously. One of our representatives tried calling you to assist with that. If you would like to call us, please contact us back at ************, Monday through Friday from 8:00 AM CST to 6:00 PM CST. Our representative would be happy to assist you. 

• Initial Complaint

  07/04/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  To *****, the representative who works for Premier Health and disguises under ************************** Theres a special place in h*** for sales people like you. *****, who sold me, a pregnant woman (DESPERATE) for health insurance while there was a job loss! fraudulent insurance that the pharmacist told me was inactive/invalid while attempting to pick up my prescription!! She sold me a fake insurance policy under a group name of: Socio Buenos LP and they go by numerous fraudulent names: Adventhealth Premium, Proact etc., my doctors office said the policy didnt go through and our doctor visit was billed as Uninsured. PLEASE, please, PLEASE steer away from Premier Health, it is a 3rd party agency who LIES, SCAMS and cheats. I knew there was red flags when ***** came off too casual and laid back over the phone. I thought she was just a laid back woman, but shes just comfortable selling herself fraudulent insurance to others. It comes natural to her and her team.

  Business response

  07/10/2024

  We are very sorry to hear about this experience.Premier Health Solutions (PHS) does not employ any person by the name of *****.We are a third-party administrator (TPA) that is contracted to handle the billing and remitting of monthly payments on your account. We are not the same company as your sales agency, Reliance Health and ********************* who are based in *******. Happily, we were able to talk to you today and get you a full refund and cancellation, see attached. We will contact ******** and ask that their management team investigate this sale. We appreciate you bringing this to our attention and are happy to hear that you were able to get on the right coverage to assist with your medical needs. 

*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. ↩