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:03/11/2025

  Type:Product Issues
  Status:

  ResolvedMore 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.

  In October of 2024, I enrolled in what Premier Health Solutions advised was health insurance, but it is actually a medical/dental/vison care discount plan through Aither Health. This plan is not verifiable or acceptable by care providers in my area. I specifically asked the Premier agent if network providers were required, and they told me no. This is untrue. When care providers have attempted call the phone number provided on my policy card, they are either left on hold so long that the call is disconnected or told that my coverage can't be verified. I have called the Premier helpline multiple times myself & only reached an agent once. The language barrier was so significant that it prevented understanding for both parties. I have sent multiple emails requesting assistance, which have been answered weeks later or not at all. I have been able to contact an agent via live chat but have only receive canned answers that don't address my issues. This has been going on since November of 2024. I missed marketplace open enrollment & have had to cancel multiple healthcare appointments as a result of Premier Health Solutions. I am paying over $400/month for a service I have been unable to use.

  Business Response

  Date: 03/12/2025

  We are very sorry to hear that the products you purchased were not what you had hoped for. These products are not major medical insurance. We also apologize for the difficulty you had communicating with our call center representatives. Thank you for taking the time to speak with our representative, *****, about your account. As he explained, the sales agent is not employed by our company. We are a third-party administrator (***) contracted to handle the billing and remittance of monthly payments for your account. We understand that you need your account to stay active while you seek other options. Feel free to reach back out to ***** when you are ready to cancel. 

  Customer Answer

  Date: 03/12/2025

  I am rejecting this response because:   The representative I spoke to attempted to speak over me on multiple occasions. It was very difficult to make my concerns heard & understood. He did not notify me that the call was being recorded until well over halfway through it, and that was incidental. My permission for recording was not asked for or given. The response to this complaint says to contact him directly if I want to cancel my plan, but the number he provided for that *************) is not a direct line. It is the general customer service line, which I have called multiple times and been unable to reach an agent. The one time I did speak with an agent, the language barrier prevented understanding from either party. I told ***** this during our call, and he responded that he has no control over that, and anyway the overseas agents understand the word cancel. I recommend that BBB request a copy of the call recording & review it.

  Business Response

  Date: 03/20/2025

  We appreciate Ms. ****** bringing this call to our attention. We did pull and review the call, and it was not up to our standards. We have sent the call to the management of the representative she spoke to, and they have taken action regarding the call. We have been in communication with Ms. ****** regarding her account and have cancelled and refunded her for products that she did not need or want, see the attached transaction history. When she is ready to cancel her account, she has our contact to reach out directly for assistance. We again, apologize for the difficulty she has encountered. 

  Customer Answer

  Date: 03/20/2025

  I have reviewed the business response and accept this resolution. Hopefully they will treat their customers with more care & respect in the future.

• Initial Complaint

  Date:03/06/2025

  Type:Product 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.

  Sold a policy I could not use in my town and could not find any **s. that would take the ins !!this was a policy I purchased for My wife who moved here from ******* Last year was waiting on the paper work to come in the Mail ? one week later I check the emails again and realized it was all sent on line... after printing it all out so I could see and read all the info I was concerned about it and went to my ** to see if I could use the ins. with them and was told no I would have to pay in full and then try to get reimbursed from my ins....I called to cancel today and was told I could cancel but they could not offer any refund !! I asked to speak to the sales man who told me I could use it at my **? I was told they only handle customer service not sales and had no number to contact them ... Frustrating trying to get any service from this company!!! No refund ??? still trying ???

  Business Response

  Date: 03/07/2025

  We are sorry for any confusion. Premier Health Solutions (PHS) is the third-party administrator for your account (TPA). As the ***, we are contracted to handle the billing and remittance of the monthly payments for this account. We are a separate entity from your selling agency. Your account has been refunded and cancelled. Confirmations have been sent to the email address on the account. If you would like to contact your agent, please see the information on your refund confirmation email.Please allow time for your bank to process and deposit the refund before seeing it reflected in your account balance. We again apologize for any difficulty experienced.

• Initial Complaint

  Date:03/03/2025

  Type:Product Issues
  Status:

  ResolvedMore 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 cancelled my policy on November 8, 2024 due to the fact the insurance did not cover MRIs. When purchasing the insurance, I was assured this was covered in my plan. When I went to schedule the **** I was informed there was no coverage. Here are 5 different emails stating the request was received and no other payments would be taken out. Someone from the company "withdrew" my cancellation, without my knowledge, and they continued taking payments out until I noticed on 2/14/25. My bank contacted the company and they refunded February's payment for $606.99. When I asked for December and January to be refunded, they told me they will not refund the additional 2 payments at the same cost. They had me agree to insurance that was not accurate and kept 2 months of payments after I canceled. All I want is my money refunded.

  Business Response

  Date: 03/07/2025

  We are sorry for any confusion. Premier Health Solutions (PHS) is the third-party administrator for your account (TPA). As the ***, we are contracted to handle the billing and remittance of the monthly payments for this account, only. We are a separate entity from your selling agency. Your account has been refunded and cancelled. Confirmations have been sent to the email address on the account. Please note that we are not the same company as your selling agency. If you would like to contact your agent, please see the information on your refund confirmation email. 

  Customer Answer

  Date: 03/07/2025

  I have been fully refunded for the additional, unauthorized payments. Thank you for your help with this matter!

  Customer Answer

  Date: 03/17/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:03/03/2025

  Type:Product 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 was in need of healthcare coverage and was contacted by Premier Health Solutions. I was presented with an affordable plan with decent copays and pharmacy coverage. The initial payment was made on June 18, 2024 in the amount of $415.99. Monthly payments were debited the first of each month from my Discover card in the amount of $395.99. I was first concerned when my pharmacy couldn't verify coverage. I have only 2 generic prescriptions so didn't pursue the issue. I attempted to use the coverage for my annual gynecological exam. I received notice that the service wasn't covered although my card states $50 specialist copay. When I finally reached a person to inquire about the rejection, she told me that only a visit would be covered but no testing or exam which makes no sense. I've come to realize I actually have no healthcare coverage and have been scammed. I have contacted Discover card services and blocked future debits. I believe this company should refund my money due to the fact there was no coverage provided.

  Business Response

  Date: 03/07/2025

  We are sorry for any confusion. Premier Health Solutions (PHS) is the third-party administrator for your account (TPA). As the ***, we are contracted to handle the billing and remittance of the monthly payments for this account. We are a separate entity from your selling agency. Your account has been refunded and cancelled. Please see the receipts attached.Confirmations have been sent to the email address on the account. If you would like to contact your agent, please see the information on your refund confirmation email. Please allow time for your bank to process and deposit the refund before seeing it reflected in your account balance. We again apologize for any difficulty experienced.

• Initial Complaint

  Date:03/02/2025

  Type:Billing 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.

  Summary: Basically I started a what I was told was health insurance coverage. As soon as I found out it was not I canceled and I was told it was canceled and that no money would be charged and it was confirmed canceled. The fraudulent portion to this story is policy number **** was never started but announced canceled. Policy number **** was generated and taking payments without use or acknowledgement. The dates make no since but this is what was provided to me. I have started 3 claims for the last 3 transactions with ********** but the other 7 the company said they will not work with me being that I have contacted my bank and BBB. Please help me resolve this issue. My expectation is a refund from the company in the amount of $790.00. The 3rd party company is *******************************. As you can see how I was mis-lead. I also noticed this company has an excessive number of complaints. They also have stated today 2-2-2025 that policy number **** is now canceled and I will no longer be charged but offered no confirmation or proof. Important notes : Premier Health notes:July 23rd company acknowledged that I made a cancellation prior to first payment They then stated that there was a secondary account created that continued from that date The secondary account is fraudulent #**** Account **** canceled as of 2-2-2025 but has been the charging policy in dispute Account **** canceled Insurance selling agent : ******* ****** Dates and info provided by premier health: July 23rd canceled **** 7:04 pm May 10th started policy **** June 1st policy #**** created but not started Selling agencys company Prestige health insurance agency ********** 8am central Most recent phone call ***** is the supervisor at premier health offered no last name against policy Requested phone call **** was canceled over the phone at 3pm 2-2-25 No confirmation offered or received

  Business Response

  Date: 03/05/2025

  We are sorry for any confusion. Premier Health Solutions (PHS) is the third-party administrator for your account (TPA). As the ***, we are contracted to handle the billing and remittance of the monthly payments for this account. We are a separate entity from your selling agency. Your account has been refunded and cancelled. Confirmations have been sent to the email address on the account. If you would like to contact your agent, please see the information on your refund confirmation email.Please allow time for your bank to process and deposit the refund before seeing it reflected in your account balance. We again apologize for any difficulty experienced.

• Initial Complaint

  Date:02/22/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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 emailed Premier Health Solutions to cancel my membership with them on January 10th 2025. They replied the same day saying my cancelation request was received and they were sorry to see me go. I was checking my bank statements a couple days ago and noticed that I still got charged for the membership both in January after I made the cancellation request, and in February. Each charge is for $339 .I immediately emailed them asking for a refund considering my membership was supposed to have been cancelled. They replied saying that they did not process my cancellation request because I didn't give a reason for it. Their previous email said this "Can you please inform us of the reason for the cancellation request?" but that's it. Nowhere did it indicate that my cancellation would not be submitted if I didn't give a reason (which I didn't give because I didn't see how they were entitled to a reason for my cancellation). Screenshots of all emails we exchanged are attached. I am asking for a refund and obviously that my membership be cancelled like it was supposed to be. They did not reply to my last email.

  Business Response

  Date: 02/24/2025

  We are very sorry for the inconvenience and miscommunication that has occurred.Your account is now cancelled and refunded. Please check your email for confirmations. Please allow time for your bank to process this refund before seeing it reflected in your account balance. Again we apologize for the inconvenience you experienced in this process. 

  Customer Answer

  Date: 02/24/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:02/20/2025

  Type:Product Issues
  Status:

  ResolvedMore 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.

  ********* ****, agent license # *******, sold me a ********************** insurance plan on 11/22/2024. I wanted a major health ins plan and asked to make sure it was real UHC he was selling me. He told me "yes, it's ******** post dated the first premium to come out of my account in 2 weeks. On 12/06/2024 my card was charged $303.94. Only after the money came out did I discover that the health plan I'd been sold was NOT a major UHC plan. It was a limited benefit plan called Manhattan Health. The agent did not tell me this info when he sold it to me. I cancelled this plan on 12/26/2024 (which was within 30 days of my payment date, and I had not used the plan for any claims, I was told I would get a refund in this circumstance), and had to speak to a difference agent and give her my reason for cancelling in order to finalize it. I received the cancellation confirmation email on 12/28/2024. I got a voicemail a few days later from someone named **** *****. I had spoke to him a bit about my plan before I paid the premium. He claimed to be a manager and also located in *******. His message was asking me to call back to finalize the cancellation to get my refund. He had given me his direct phone number, **************. Since he left me that voicemail in early January 2025, I have been entirely unable to reach him at that number and there is no personalized message indicating that it's actually his number. Numerous times since then I have called customer service for my plan ************** and ************** which was given to me as the billing department's number. I have been told at least 3 separate times by different **** that my plan is cancelled but there is no refund note on my account and that they'll submit a request and someone will call me back. Today is 02/20/2025 and I was again told that a refund request was being submitted. No one I've spoken to knows who **** ***** is. I'm still not any closer to getting my refund now than I was on 12/28/2024, almost 2 entire months ago.

  Customer Answer

  Date: 02/22/2025

  Hello! I have received my refund from Premier Health

  Business Response

  Date: 02/25/2025

  We are sorry for any confusion. Premier Health Solutions (PHS) is the third-party administrator for your account (TPA). As the ***, we are contracted to handle the billing and remittance of the monthly payments for this account, only. We are a separate entity from your selling agency. Your account has been refunded and cancelled. Confirmations have been sent to the email address on the account. Please note that we are not the same company as your selling agency. If you would like to contact your agent, please see the information on your refund confirmation email. 

  Customer Answer

  Date: 02/25/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:02/20/2025

  Type:Product 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.

  In late November, I was contacted by a health insurance broker, and suckered into a health plan (by *** ****** ******) and told that I should enroll, as open-enrollment rates vary from day to day. There was "no risk," I was told, because I could cancel for a full refund prior to the policy making effect on January 1st. I was also told that someone would call me the following day to fully describe the policy/benefits. When I didn't receive a call, I tried numerous times before successfully reaching someone from "customer service" and was informed about the policy/coverage, which was nothing like the original agent described.I asked to cancel and was told that I was within the cancellation period and a cancellation request would be put in, but the "billing department" had to call me to handle my refund. After several days without a call from "billing", I called back and went through the whole process again, but this time I made the *** wait with me until they reached someone from billing - which, apparently, was Premier Health Solutions. (Note: the ***s from Stoic and Premier never identified who they were with and/or their connection - either by phone or in their emails). The Premier *** informed me that I was eligible for a refund, but it would take 7-10 business days. After 10 business days and no refund, I called back and was told that maybe I wasn't eligible for a refund. I immediately contacted my credit card company and disputed the charge and now have learned that Stoic/Premier had the nerve to say that I did not follow their cancellation procedures. The credit card dispute is ongoing, but **** is telling me that Premier is STILL saying I did not follow the cancellation procedure -- despite the fact that they sent emails that they issued a refund and that I should "take it up with my bank."I have emails and detailed notes from all conversations which, with the history of complaints against Premier, match numerous previous victims stories.

  Business Response

  Date: 03/06/2025

  Were sorry for the difficulty youve had in trying to get your refund. We were unable to refund to the **************** card because of the dispute process. We are sending you a check via ****** tracking number ************. Our FedEx courier will pick up tonight and it should arrive tomorrow.Again, we are sorry for how difficult this has been.

• Initial Complaint

  Date:02/17/2025

  Type:Order 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 was scammed by this company into health insurance while unemployed. I paid $1,290.97 for nothing. They are unable to provide me tax documents and upon my own research I have found it was all a scam.

  Business Response

  Date: 02/20/2025

  We are sorry for any confusion. Premier Health Solutions (PHS) is the third-party administrator for your account (TPA). As the ***, we are contracted to handle the billing and remittance of the monthly payments for this account, only. We were not a part of the sales process and are a separate entity from your selling agency. Likewise, we are not your plan sponsor, and we do not handle claims nor do we prepare these tax forms.Therefore, we cannot provide a 1095-A or any other tax documents for this account,as that is not within our role as the billing TPA. Please see attached your billing and E-Signature documents for this account. This is all we, in our role, will be able to provide you. Please note that your insurance agencys information is on page 1 of the E-Sign. To contact your plans administrator (Affordable Benefit Choices, ABC), you can email them directly at [email protected] information is also in the E-Sign. We contacted *** on your behalf, and they stated that these forms will be available in March. They have given us the attached proof of credible coverage form that you can use in the meantime while you are waiting for the 1095-As to be available. We hope this helps and we are sorry for the frustration you have experienced.

• Initial Complaint

  Date:02/11/2025

  Type:Customer Service 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.

  Premier Health Solutions has been nearly impossible to have any sort of impactful communication or resolution with for what was a misleading, hidden, auto-renewing contract of which I've never received a copy of. We never received insurance cards nor the multiple requested forms for healthcare cost reimbursement. I have been transferred to numerous "customer service ***** who just kick me back and forth in perpetuity. Most recently I was even hung up on by a representative. I will be speaking with my employer's HR department to ensure that they never refer PHS to another defenseless employee. As a new mother with countless new issues to work through, this was an problem I never imagined having to experience. I've wasted hours of my precious time on the phone attempting to receive the services promised to me and eventually was forced to report these charges as fraudulent to my credit card company because I've been left with no other options and my research has shown that *** and their affiliates are just that: fraudulent. I have also made countless attempts to secure confirmation that my contract has ended so I am not charged again (after going with a new legitimate carrier) and I continued to be transferred to different people for hours on end that just say they can't help or would email me what I needed and those emails have never come. This is not an actual health insurance services group but simply an attempt to take advantage of those put a difficult situation.

  Business Response

  Date: 02/12/2025

  We are sorry for your frustration. Premier Health Solutions (PHS) is the third-party administrator for your account (TPA).As the **** we are contracted to handle the billing and remittance of the monthly payments for this account, only. We were not a part of the sales process and are a separate entity from your selling agency. This was why you had been transferred to different people. Your account has been refunded and cancelled. Confirmations have been sent to the email address on the account. Please note that we are not the same company as your selling agency. If you would like to contact your agent, please see the information on your refund confirmation email.