ComplaintsforJericho Share

• Initial Complaint

  09/05/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  In May 2022, when searching for affordable health insurance after leaving my job, a company calling itself Health Enrollment Center mis-sold me membership in what turned out to be a "health share plan" run by Jericho Share. They claimed to offer very low premiums and no deductibles or co-pays, ostensibly based on the fact that I didn't smoke and as a man would not require reproductive health services. After further research, including consulting the BBB, I learned that this was a scam run by an evangelical christian community, whose fraudulent, deceptive and predatory tactics are the very opposite of christian values. Alarm bells rang when I was asked to pay the first premium before receiving any policy details, and when the email address of the person contacting me from Jericho Share ended in "eternal.salvation.com". I immediately called my credit card company to put a stop on the payment, after reading that others who fell victim to Jericho Share had had real difficulty recuperating their expenses. When I called to verify that I would not be charged, I was treated extremely aggressively by the so-called Health Enrollment Center. These operations prey on people looking for affordable health care, often those on low incomes, or migrants like myself who are unfamiliar with the US's unfathomable and unfair health system. They should be regulated, scrutinized and shut down for breaching basic professional ethics. If you're looking for insurance, go through the official marketplace in your state, not via random internet searches which lead to your details being passed on to unscrupulous sharks and scammers.

  Business response

  09/06/2022

  We received a complaint filed by the Member. Thank you for providing us with an opportunity to address the Member’s concerns. We understand the importance of providing your office and the member with insight and a resolution. To protect the Member’ PHI and PII, we have contacted the member directly to discuss this complaint. We are working very diligently to investigate this complaint thoroughly. A supplemental response will be issued to you via this portal once we have concluded our investigation.

  Customer response

  09/06/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.

  I have not received any direct communication from Jericho Share, as they claim. This is their standard response to anyone who complains via the BBB, aimed at taking the conversation out of the eye of public scrutiny and thus evading accountability for their illicit and unethical behavior. I am glad to see that their unscrupulous malpractice has been exposed numerous times in the media and that they have been subject of cease and desist petitions in some states.   

   
  

  
  

  Business response

  09/14/2022

   Thank you for escalating your concerns to us via the Better Business Bureau (BBB). Your questions, inquiries and grievances are important to us, and we look forward to providing you with insight and a resolution. We are collecting pertinent information needed to investigate this complaint. Currently, please provide an extension of at least seven (7) business days prior closing this complaint.

  Customer response

  10/03/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this response does not resolve my complaint.  The business has said it is investigating the complaint and has requested an extension of a 7 days to respond to the substance of it. The case should therefore be kept open, as the business itself is requesting. 
  
  
  Regards,

   

  Ignacio ****
  
  
   

  
  

  Business response

  10/12/2022

  A response was issued directly to the member via email on 10/4/2022. We consider this matter resolved.

  Customer response

  10/14/2022

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********. While I do not find the response satisfactory, I see no point in pursuing the complaint further.  What is important is that Jericho Share has admitted in its response that "Any program or offering from Jericho Share should not be considered a substitute for an insurance policy". When hooking in clients, their salespeople deliberately misrepresent this as health insurance and conceal the fact that this is a religious-run"health share" scheme. It is laughable that they say they did not penalize for me cancelling my payment on discovering the fraudulent nature of their business. It is also telling that they do not post their responses publicly via BBB. It is clearly a strategy of this dishonest organization to tell BBB that they have written directly to the complainant and that they consider the case closed. 

   

  My sincere hope is that other vulnerable people looking for affordable but legitimate health insurance will not fall for this scam, and that the relevant authorities will take more effective action to regulate and where appropriate, prosecute, such unethical business behavior 

   

  I. S.
  
  
  
   

  
  

• Initial Complaint

  08/25/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  My daughter aged out of coverage under my health insurance last year. I was in the hospital and told her to get health insurance on the healthcare marketplace at healthcare.gov. I told her to put the healthcare onto my **** account. My daughter was not feeling well in April as I began to feel better after 5 surgeries. When she tried to get a doctor’s appointment, none of the specialists she needed to see or the Primary Care Physician she used to see would honor what the navigator had told her was healthcare.gov health insurance. As a matter of fact, when I viewed the insurance cards from “Jericho Shares”, the cards read in very, very small print, “A Health Care Sharing Ministry” and “THIS IS NOT INSURANCE. Program is not affiliated with any government or Medicare benefit.” Worse yet, I went online and when one looks up Jericho Shares, there are many, many pages of testimonials of how individuals were scammed by this “Sharing Ministry.” This Jericho Shares was not at all insurance. We had to purchase other insurance in order for my daughter to be able to see the specialists she needed for treatment. I would like the $317.90 charge refunded that I paid on my **** card on January 15, 2022 for this scam ministry that was sold to us by a “navigator” as per this was not insurance. The Federal Equal Credit Opportunity Act was violated on the basis of religion by Jericho Shares because they were saying that they were health insurance. They are not health insurance. I am exercising my right under the Consumer Protection Program to be repaid the $317.90 that was billed to me for Jericho Shares on January 15, 2022.

  Business response

  08/26/2022

  We are in receipt of this complaint. We will begin to review the member's complaint details and account and will provide a supplemental response to you via the portal upon completion of the review. 

• Initial Complaint

  08/24/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I pay for my health insurance and I used Jericho Shares because they were in my budget. I was a discount plan. I called them to see if they pay for me to have laser on my eye. they told me they pay 70% so i had it done on March 30th 2022. I called them several times after recieving frequent bills. They kept telling me to have them send the bill, they don't have it. The Specialty eye sent them all the times I requested and every time I called Jericho Shares they say they never recieved a bill. The eye center must have sent them at least 6 bills and I also sent them but they said they couldnt acccept the one I sent. I owe the eye 715.00 and I am going to pay myself today because I dont want it to go to my credit report. Everytime I call its like a big run around and I tried to talk with managers and tried to get a corporate number but they say they have none. Not a good way to run a business. They give their clients false information then try to ignore that issue by just keep transferring you to different departments.

  Business response

  08/24/2022

  We received a complaint filed by the Member. Thank you for providing us with an opportunity to address the Member’s concerns. We understand the importance of providing your office and the member with insight and a resolution. To protect the Member’ PHI and PII, we have contacted the member directly to discuss this complaint. We are working very diligently to investigate this complaint thoroughly. A supplemental response will be issued to you via this portal once we have concluded our investigation.

  Customer response

  09/01/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  
   
   On March 30th 2022 I was to have laser on my eye, I called Jericho shares and they said they pay 70%. I keep getting bills so I kept calling and all they tell me was we have no bills from them and kept giving me these addresses for them to send them them bill. I sent this to the better business bureau last week 08/25/22 and One hour later I got a call from a lady named ***** she assured me they were paying the bill so i called specialty eye care to verify that things are working. They told me ***** gave them the same address they used in June. I called back to Jericho shares 08/30/2022 and was told they were in a meeting call back later so i waited till 08/31/2022 and i called at 12:12pm when they answered the lady said you called 4 minutes ago they told me to tell you call back in an hour. I said i never called you till now. I said I called yesterday and she said oh yes you did call yesterday. then we ended the call. I called back at the number ***** called me from last week on 08/25/22 and A man answered and said they aren't in. I said I called a few minutes ago they said they are in a meeting. Then he asked a few questions and said they are in a meeting so I said you just said they are not in, now you say they are in a meeting. They are just trying to avoid me at all costs and i already borrowed the money for my bill of 715.00 I paid it on 08/25/2022 that they were to pay 70% of. I got passed due bill and I don't like it hanging out there to go to my credit report. I feel like this is a scam company and I am very upset with the way they treat people. I see they have a ton of complaints and I feel for everyone that that fell in this trap.. Thank you for what ever you can help me with... P**** Ryan
  

  Business response

  09/01/2022

  P**** Ryan
  
  September 01, 2022
  
  VIA MAIL AND EMAIL:                      ryanp********@gmail.com   
  
  Re:                                                  BBB Complaint Response
  Complaint ID:                                 ********
  Member:                                        P**** Ryan
  Member ID:                                     ********
  Program:                                        Ascend 2, Victory 1000
  
  Dear Ms. Ryan,
  
  This letter is regarding a complaint that was forwarded to our Team from the Better Business Bureau (BBB). We would like to thank you for being a valued member of Jericho Share from October 01, 2021, through April 30, 2022. Per your complaint, you stated the medical need related to an eye procedure dated March 30, 2022, has not been shared by Jericho Share.
  
  As a friendly reminder, Jericho Share is a non-profit Health Care Sharing Ministry (HCSM). The members of Jericho Share Voluntarily share in each other’s eligible medical needs based on the acceptance of the Statement of Religious and Ethical Beliefs. Any program or offering from Jericho Share should not be considered a substitute for an insurance policy. Jericho Share nor any member of Jericho Share assumes any legal obligation to share in the medical needs incurred by any other Jericho Share member. For medical needs to be considered, providers must submit industry standard billing forms to PO BOX 21272 Eagan, MN 55121.
  
  Our records indicate on August 24, 2022, the Member Services Team contacted the Provider’s office at 1-800-679-9434 and spoke with the Billing Department. The Member Services Representative provided the Billing Department with the mailing address mentioned above, to send the medical need. As of September 1, 2022, we have not received the medical need mentioned in your complaint.
  
  We recognize that this may present inconveniences to you and want you to know that we take your complaint very seriously. Therefore, as a courtesy; you may fax the industry standard billing forms to 1-855-930-3658. Once received, our Team will forward the medical need to the Medical Needs Department for processing. Additionally, if you are seeking reimbursement for shared medical needs, please include supporting documentation that shows proof of payment. Once the medical need has been finalized, an explanation of sharing will be mailed to you and the provider’s office.
  
  We would like to thank you for escalating your concerns to us and we have communicated this update to the Better Business Bureau directly. While we consider this matter resolved, if you have any additional questions, please contact us via email at [email protected].
  
  Sincerely,
  
  The Compliance Department
  
  The Compliance Department
  
  
  
  11152 Westheimer RD #639
  Houston, TX 77042-3218
  Phone: 866-545-2955
  Email: [email protected]
  

• Initial Complaint

  08/23/2022

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  Date of transaction: 3/31/2022 I paid Jericho Share $784.80. My bank did not recognize the merchant. They reached out and I did confirm the merchant bot told them I will pay the requested amount of 784.80 from my other banking institute which on 4/11/2022 I did pay then 784.80. After much back and forth with my bank they took 784.80 out on 8/22/2022 to recover the c***** they gave me from 3/31/2022. 3/31/22 W**** F**** paid Jericho Share Health Program $784.80. 4/11/22 G****** N***** C***** U**** paid the same merchant $784.80. When calling this merchant to explain they received this payment twice they tell me they cannot transfer me to the claims dept for case#220960000113 that was filed with W**** F**** and I believe is closed. The billing dept said they cannot tell me anything about the double payment and someone would call me back but could not tell me when. Today because of this mess with absolutely no resolution I am short 784.80 and this merchant is not helping resolve this situation. I have had nothing but grief since I opened this account in January 2022 through N***** Health Link.paying to date $3,412.40. (this includes the double payment of 784.80. I believe I have been duped and I truly need help! Thank you for considering this claim R****** S******** ****************************

  Business response

  08/24/2022

  We received a complaint filed by the Member. Thank you for providing us with an opportunity to address the Member’s concerns. We understand the importance of providing your office and the member with insight and a resolution. To protect the Member’ PHI and PII, we have contacted the member directly to discuss this complaint. We are working very diligently to investigate this complaint thoroughly. A supplemental response will be issued to you via this portal once we have concluded our investigation.

  Business response

  11/09/2022

  We now consider this matter resolved. The member’s account has been refunded as of September 19, 2022. If you have any additional questions, please contact us at *******************************.

   

  Customer response

  11/10/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 17758619, and find that this resolution would be satisfactory to me.  
  
  
  
   
  

• Initial Complaint

  08/19/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I accepted an offer of insurance with your company. informed that the health insurance company was a PPO with ****** ****** ****, new to Kansas where if I didn’t need maternity coverage, I could be covered. I asked that a copy of the policy be sent to me upon accepting the coverage & again speaking to this company to cancel, I have not received one. I received an email, 5/27/22 advising that a brochure & membership materials would be mail, I have yet to receive. I was informed that notice of a cancelation would be emailed, I have not received. email 7/18 to cancel, no confirmation. 8/17 email that I want to cancel & refund, reply 8/17 reply "A cancellation request has been submitted already and is completed. Per member agreement there is not an eligible refund available . If any questions or concerns, please contact us at 866-545-2955 Monday-Thursday 7am-6pm and Friday 7am-5pm cst" copy of Member Agreement was attached and is uploaded here. Interestingly, the agreement only outlines what IS NOT COVERED!. I have come to discover that the policy I purchased and then canceled eff 8/1/22 was NOT insurance & I want my premiums refunded for the months of June $371.90 which includes $125 enrollment fee Also requested refund of July $246.90

  Business response

  08/23/2022

  We received a complaint filed by the Member. Thank you for providing us with an opportunity to address the Member’s concerns. We understand the importance of providing your office and the member with insight and a resolution. To protect the Member’ PHI and PII, we have contacted the member directly to discuss this complaint. We are working very diligently to investigate this complaint thoroughly. A supplemental response will be issued to you via this portal once we have concluded our investigation

  Customer response

  08/30/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  
  
   this company advised "we have contacted the member directly to discuss this complaint." wish is not true. 

  As I mentioned in the original complaint, I was informed that what I purchased was an insurance policy which is NOT true!

  
  Regards,

  
  
  
   

  
  

  Business response

  09/08/2022

  We are finalizing the our review of this member's complaint. We hope to respond by the end of week.

• Initial Complaint

  08/18/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was totally mislead with this company. I was told hospital would be covered along with all wellness visits with any provider. I was also told this was a givers program. NOTHING was covered. They also enrolled me some bogus “car insurance “ program which I caught and they refunded me. I paid $920 fir absolutely nothing and now have a $15,000 hospital bill that I owe. I want my money back!!!

  Business response

  08/23/2022

  We received a complaint filed by the Member. Thank you for providing us with an opportunity to address the Member’s concerns. We understand the importance of providing your office and the member with insight and a resolution. To protect the Member’ PHI and PII, we have contacted the member directly to discuss this complaint. We are working very diligently to investigate this complaint thoroughly. A supplemental response will be issued to you via this portal once we have concluded our investigation

• Initial Complaint

  08/17/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Aware of a future lapse in healthcare coverage after leaving school, I looked to the Marketplace for available plans. I was contacted and informed that healthcare insurance could be provided by Jericho Share. I signed up on 4/11/2022 with the intent that my coverage would begin on 6/1/2022. A few days after signing on, I looked at my account and noticed the User ID card for both the Ascend 2 and Victory 2500 plans state "THIS IS NOT INSURANCE." I called Jericho Share for clarification and was informed that I do indeed 'have health insurance.' While I have not had any need to go to the doctor's appointment from the time my coverage started, based on the information I am learning, it does not look like Jericho truthfully informed me of what I have actually been paying for month over month. As of today 8/17, I have paid $1,140.60 to Jericho with no knowledge of the product/service that I am actually being provided. As of today 8/17, I have requested a complete cancellation of my account 'membership' along with additional promises that no further payments will be made to my account. BBB, please assist me in first finding out the products I've paid for. Second, if I've not been paying for what I reasonably believed I was paying for (based on assurances from Jericho), I would like a FULL refund.

  Business response

  08/18/2022

  We received a complaint filed by the Member. Thank you for providing us with an opportunity to address the Member’s concerns. We understand the importance of providing your office and the member with insight and a resolution. To protect the Member’ PHI and PII, we have contacted the member directly to discuss this complaint. We are working very diligently to investigate this complaint thoroughly. A supplemental response will be issued to you via this portal once we have concluded our investigation

• Initial Complaint

  08/16/2022

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  Enrollment Date: 08/10/2022 Order ID: #******* I was sold a policy over the phone on 8/10/22 in the amount of $357.95 and was pressured to pay for it right away and I was told that the rates would change if I did not. Furthermore I was told I can absolutely cancel for any reason within 30 days of purchasing the policy. Additionally I was given a customer service number from the gentleman I spoke with who sold me the policy. His name was Rodney. And that number was fake. Subsequently I looked into the policy and I understand that the hospital coverage is not what I expected or was told. On Friday 11th of August I called the Jericho health plan which seems to be the plan that I am enrolled in and spoke to a young woman who also assured me that within 30 days I could cancel for any reason. On August 15 2022 I called and said I wanted to cancel and someone called me back at 5 PM and right off the bat began to argue with me that my reasons for canceling were not good enough and that she needed to get to the bottom of it. She was rude and literally hung up on me because she didn’t want to listen to me that I wanted to cancel. This just makes me more skeptical of the integrity of whatever company this is.

  Business response

  08/16/2022

  We received a complaint filed by the Member. Thank you for providing us with an opportunity to address the Member’s concerns. We understand the importance of providing your office and the member with insight and a resolution. To protect the Member’ PHI and PII, we have contacted the member directly to discuss this complaint. We are working very diligently to investigate this complaint thoroughly. A supplemental response will be issued to you via this portal once we have concluded our investigation.

  Customer response

  08/18/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this proposed action would not resolve my complaint.  
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  
    When I was sold the policy on August 10, 2022-Rodney- the sales agent who never disclosed that I was buying a member share program NOT an insurance policy SPECIFICALLY told me I had 30 days to cancel for any reason and that if I cancelled I would receive 100% if all monies spent ($357.95). That is the only reason why I paid on the spot-knowing I had that window of a cancellation period. The companies response states they are “researching “ when in face 2 out of the 3 customer service agents from Jericho- Alysha and Doug- both confirmed I was in my correct cancellation period. I did receive a cancellation email from Jericho but have received no confirmation of a refund
  

  Business response

  08/23/2022

  the member was refunded on 8/17/2022. her refund receipt was emailed to her today. 

  Business response

  09/01/2022

  The member was refunded. Her receipt was sent to her on 08-29-2022.

  Business response

  09/12/2022

  The member has been refunded. A copy of the refund receipt was sent to the member on 08/29/2022. At this time we are asking to close this complaint as answered.

  Customer response

  09/21/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  But i will add the companies practices are deceptive in order to get people to enroll. the customer service person who sold me the policy lied, did not reveal that this was not an actual insurance policy and then gave me a false phone number to reach him.  thanks for the refund but your company is awful
  
  
  
   
  

• Initial Complaint

  08/09/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Wife and I were looking for health insurance. Had insurance through employment, but that changed October of 2021. We called, what we thought was a covered California number and an Anthony ******* picked up. We were sold what we thought was an affordable PPO plan as that is how it was sold. Was not until end of Anthony's presentation that Jericho Share was even mentioned and he portrayed it as something auxiliary. We are a healthy family but some months later my wife decided to go in for preventative care. Our understanding was this was covered if you stayed in Network. We realized right away that this may be a problem when we saw our cards and they said "this is not insurance" but we had made the appointments. We called a Jericho Share rep to assure that these doctors were within network. We were assured they were.vOnce we arrived the doctors we saw would not accept Jericho Share. It was a very difficult and time consuming process. These providers would have to get on phone with Jericho Share rep and would begrudgingly accept. Mind you it was always difficult to get on the line with a Jericho Share rep. My wife had the preventative care and all seemed okay until we started receiving large bills that we would have been better off going self pay. Jericho Share then denied coverage when this was supposed to be covered. We canceled and complained. Nothing was done. We were essentially told by a representative, "you want to quit, then quit. " We complained through other consumer complaint websites and received an email from Jericho Share stating they would look into the matter and get back to us in 14 business days. Well over 14 days now and have not heard from them. I guess I would expect that. We were later told by one rep from Jericho Share that what we have is "supplemental coverage". Well, that is not what we were sold. I would like a refund.

  Business response

  08/10/2022

  We received a complaint filed by the Member. Thank you for providing us with an opportunity to address the Member’s concerns. We understand the importance of providing your office and the member with insight and a resolution. To protect the Member’ PHI and PII, we have contacted the member directly to discuss this complaint. We are working very diligently to investigate this complaint thoroughly. A supplemental response will be issued to you via this portal once we have concluded our investigation.

  Customer response

  08/16/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  

  The business owner contacted me approx a month ago before I filed this complaint on BBB. They stated the would investigate and get back to me with a response in 14 business days. This never happened. So I came to BBB to file a complaint. The state here that the contacted me directly since I filed a complaint with the BBB but they have not. 
  
   

  
  

  Business response

  08/23/2022

  the following email was sent to the member today:

   

  Good Afternoon Mr. Depree,
  
  We hope all is well. We received your BBB complaint and identified your Scampulse review on or around 8/10/2022. We are working diligently to provide you with a final resolution by  end of week. We thank you for your patience and understanding.
  
  Best regards,
  
  The Compliance Department
  
  
  
  
  11152 Westheimer RD #639
  Houston, Texas 77042-3218
  Phone:  866-545-2955
  Email: [email protected]

• Initial Complaint

  08/09/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I got into this health care program called Jericho shares back in December of 2021 , I tried to cancel the program in the same month of that year . In June I started noticing that they kept charging me despite me not ever using their services . They kept telling me they would send in a ticket to a supper visor . They never gave me any proof of anything . It’s because of that , that I lost the scam claim with my bank . I kept calling them and I just kept getting the same run around . I just want a refund and for them to leave me alone . I’ve never used their services, all they gave me was a member ID . I requested them to send me proof of all this and they only sent me two tracking numbers for the tickets that they supposedly put in . They have taken over $900 out of my bank account . The only way I could get in contact with them was through their phone number . Their email listed on the site doesn’t work . So I’ve filed a complaint with an attorney general but also wanted to file here because I’m definitely one of the many who have fell into their scam trap . I just want my money back and for them to leave me alone .

  Business response

  08/10/2022

  We received a complaint filed by the Member. Thank you for providing us with an opportunity to address the Member’s concerns. We understand the importance of providing your office and the member with insight and a resolution. To protect the Member’ PHI and PII, we have contacted the member directly to discuss this complaint. We are working very diligently to investigate this complaint thoroughly. A supplemental response will be issued to you via this portal once we have concluded our investigation.

*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. ↩