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Alfonso Ruiz

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Reviews Alfonso Ruiz

Alfonso Ruiz Reviews (30)

We are a dental office in Thornwood, NYWe treated patients on X-and have yet to be paid from the travel insco , and can't reach them by ph patient- Horacio Bernal, 9-26-15, case id 77E9F17, member # XXX-XXXXXXXXXXXXXXXX for $ patient- Maria [redacted] , 9-26-15, case id EFXXXXX, member id XXX-XXXXXXX for # Our office was not paid for these services, and there is no way of reaching the company by phone because they just leave you on hold until they disconnect youI have submitting both claims more than timesby fax and email tooWe DO NOT want payment by credit card, they must send a check

It has been almost a year since my mother suffered an accident which qualified for full coverageAssist Card has only partially paid (60%) We are providing public information and confirming our complaint regarding Assist Card, a subsidiary of the Starr Companies (starrcompanies.com) Last year, my mother purchased travel insurance from Assist Card Ecuador which included coverage for medical services in case of accident during her US trip for the holidaysIn early December, she had a qualifying event of which the carrier was immediately informed Despite our repeated compliance with all the requests that Assist Card made concerning related billings, it is only after I placed a negative review with the Revdex.com that they started to make partial payments in May of this year It has been almost ten months since the accident and we are still receiving demands from the medical providers and collection agencies for the remaining 30% of the billsAt the same time, Assists Card person

Provided services for an emergency patient through this insurance over months agoCan not resolve a claim or received payment for these services On December 3, patient Rodrigo Lopez DOB:10/13/Case# 3E77B2B, Membership #XXX-XXXXXXXXXXVXXXXXXXXPatient came in for an emergency visitAs patient was here company sent over a form for us indicating coverage and an actual active planWe billed our claims for these services as a courtesy to our patientsmonths later Im trying to resolve this manner Contacted the insurance company multiple times trying to resolve this mannerUnable to reach anyone in their claims departmentIve sent multiple emails to different departments contacted the insurance commissioner of Florida as well, they were unable to helpToday I got transferred again and placed on hold for about 30+ min to have the call end on their endthis not the first time calls get disconnected Wondering how this facility is conducting business without provid

Assistcard is not responding with adequate coverage during emergency while insured was visiting USA stating that it was chronic sickness-preexistence My mother, [redacted] , retired insurance agent with a health policy in Colombia, South America taken with their former employer [redacted] for more than years traveled to the USA on May 5th This health insurance includes a coverage while traveling internationally thru Assist-card with US$ 25, in case of an emergency Fifteen days later, on May 19th, my mother had to be taken as an emergency to the ER at Rush [redacted] Hospital in IllinoisShe was diagnosed with Acute [redacted] with micro-perforation and doctors mandated her to stay at the hospital for days and to not leave the country for another months Assistcard opened the case # XXXXXXXXXXXXX and they were informed all the time of the progression of the emergency as they were acting as second guarantorOn June 29th, [redacted] @assi

Assist Card Claim Ref72019D On 03Dec2017, my mother, an Assist Card (AC) customer, suffered an accident that qualified for coverage under AC's "immediate travel assistance" planIn our experience with AC, however, there is nothing immediate about their servicesMonths after having received both electronic copies and the originals of all necessary documentation from us, and despite the initial assurances from AC's "Team USA" that they would be able to obtain medical records directly from the providers as well as negotiate and pay related bills based on my mother's promptness in submitting the appropriate release forms to them, they have yet to pay a single medical bill Shortly after we started uploading the bills to AC's online claim processing platform (in late Dec.), it became clear that AC did not have my mother's interests in mindThey inexplicably transferred management of the case to their Bogota office, and the new team ignored our electronic submissions due to an apparent policy limiting the use of their online resource to claims under $500a fact that highlights the uselessness of this tool for serious emergencies like my mother'sFurthermore, they suggested that either we charge the nearly $50,in bills to our credit cards and seek reimbursement in person at AC's Quito or Guayaquil officesThe fact that such locations were hundreds of kilometers away from Cuenca, Ecuador (where the coverage had been purchased), and thousands of kilometers away from the Chicagoland suburbs (where my mother was convalescing) were completely ignored by AC personnelThis ludicrous suggestion was made when AC's Ecuador personnel were well aware that my mother was facing the possibility of travel restrictionsnot only for health reasons, but also because one of the hospitals where she was seen had threatened to bar her from leaving the US until the bills were paid in full AC's reimbursement model was never publicized to either my mother or the travel agency that sold the policy to herPerhaps those in insurance circles live in the stratosphere, but for the rest of us, $50,isn't exactly pocket changeAnother fact worth considering is the Ecuadorean government's 5% tax on all credit card charges made abroad, and thus the fact that to use this methodcredit limit considerations asidewould have only increased the total sum at issue irresponsiblyThe mere expectation that customers should advance funds at this level seems to indicate bad faith on the company's part, especially when it remains an open question whether or notmuch less whenAC will meet its obligations Not surprisingly, since late December the handling of my mother's claim by AC has bounced around even moreFrom Colombia the case was assigned to Ecuador and finally, ArgentinaAt each "station" the process seems to have started anew judging by the protracted processing of this claimAt AC's Quito office someone admittedly shoved the original medical records and bills my mother had painstakingly compiled and submitted by courier into a drawerThey alleged to have "no idea what the documents pertained to" because in her rush to get the original papers to them as soon as she made it back to Ecuador, my mother forgot to include a cover letter with her shipmentThe fact that nobody bothered to call her at the clearly printed number that appeared on the DHL label or to search by patient name on any of the provided medical records, should suffice to debunk their claim of ignorance The typical response we have received to our numerous emailed status requests is an automatically generated one stating that the merits of the submission will be reviewed and replied to within daysMore than days later now, we are still waiting for substantive action by ACTelephone calls, if answered, have continuously failed to provide any clarityNo AC management rephas replied to direct correspondence or requests for the resolution of this claimInstead, we've come across emails between AC Ecuador staff complaining about follcalls from the "bothersome" family Complying with AC's unreasonable, repetitive, contradictory and inadequate requests, has not allowed my mother to focus on her recoveryInstead, the inordinate amount of time and energy she had to devote to the effort exacerbated the poor condition in which she had been left since her accidentWithin a couple of day of submitting the confirmation package that AC had vehemently demanded as a condition of payment, my mother had to undergo emergency surgery directly linked to her accidentIn addition, we have been and continue to be subjected to constant harassment from collection agenciesAs if that were not enough, AC's inaction has directly prevented my mother from receiving a $2,discount we negotiated with one of the hospitals Recently, the other hospital indicated that AC has flatly denied coverageAC now states they have not submitted form UB04-never mentioned before

We have a $37,surgery left unpaid and unprocessed from April 29, We provided a surgery in good faith for a patient expecting to be paid per out pre-surgery agreement from Assist Card for $29,case id #XXXXXXXAssist Card provider call center is no help, extremely long hold times only to be told to either email or fax requests inSeveral emails have been sent with no response, emails were sent to agomez@assistcard on 5/21/and ydrodriguez on 5/21/and again on 5/26/15, [redacted] @assistcard.com om 5/27/also multiple emails sent to [redacted] @assistcard.com and dates of emails were 6/23/15, 10/2/15, 10/5/15, 10/30/15, 11/16/15, 2/9/one response received from last email listed to fax in requestsFaxes have been sent for payment status to XXX-XXX-XXXX dated 2/9/16, 6/8/16, 7/20/We received a fax back stating the fax was received and will process but nothing has been received to dateI have been able to reach them via phone and once I say who I am and

Im a billing provider and provided a service on a patient that had assist card as her primary and for year they have been prolonging payment
on 12/17/patient came to our facility Biscayne Plazs surgery center and performed a procedure on this patient mrn#we have exhausted all our efforts as the billing office to collect this claim amount of $40,dated 12/17/when we call we are transferred and has been giving different response'scalled the claims department and spoke to them on 8/25/and was told this was processed for payment $ 16, The next time I called them and was told, all request have to be faxedIn which I did twice since thenI have also called them every week and no one comes to the phone or they constantly hang up , or left on hold with no response

Assist Card Claim Ref72019D
On 03Dec2017, my mother, an Assist Card (AC) customer, suffered an accident that qualified for coverage under AC's "immediate travel assistance" planIn our experience with AC, however, there is nothing immediate about their servicesMonths after having received both electronic copies and the originals of all necessary documentation from us, and despite the initial assurances from AC's "Team USA" that they would be able to obtain medical records directly from the providers as well as negotiate and pay related bills based on my mother's promptness in submitting the appropriate release forms to them, they have yet to pay a single medical bill
Shortly after we started uploading the bills to AC's online claim processing platform (in late Dec.), it became clear that AC did not have my mother's interests in mindThey inexplicably transferred management of the case to their Bogota office, and the new team ignored our electronic submissions due to an apparent policy limiting the use of their online resource to claims under $500a fact that highlights the uselessness of this tool for serious emergencies like my mother'sFurthermore, they suggested that either we charge the nearly $50,in bills to our credit cards and seek reimbursement in person at AC's Quito or Guayaquil officesThe fact that such locations were hundreds of kilometers away from Cuenca, Ecuador (where the coverage had been purchased), and thousands of kilometers away from the Chicagoland suburbs (where my mother was convalescing) were completely ignored by AC personnelThis ludicrous suggestion was made when AC's Ecuador personnel were well aware that my mother was facing the possibility of travel restrictionsnot only for health reasons, but also because one of the hospitals where she was seen had threatened to bar her from leaving the US until the bills were paid in full
AC's reimbursement model was never publicized to either my mother or the travel agency that sold the policy to herPerhaps those in insurance circles live in the stratosphere, but for the rest of us, $50,isn't exactly pocket changeAnother fact worth considering is the Ecuadorean government's 5% tax on all credit card charges made abroad, and thus the fact that to use this methodcredit limit considerations asidewould have only increased the total sum at issue irresponsiblyThe mere expectation that customers should advance funds at this level seems to indicate bad faith on the company's part, especially when it remains an open question whether or notmuch less whenAC will meet its obligations
Not surprisingly, since late December the handling of my mother's claim by AC has bounced around even moreFrom Colombia the case was assigned to Ecuador and finally, ArgentinaAt each "station" the process seems to have started anew judging by the protracted processing of this claimAt AC's Quito office someone admittedly shoved the original medical records and bills my mother had painstakingly compiled and submitted by courier into a drawerThey alleged to have "no idea what the documents pertained to" because in her rush to get the original papers to them as soon as she made it back to Ecuador, my mother forgot to include a cover letter with her shipmentThe fact that nobody bothered to call her at the clearly printed number that appeared on the DHL label or to search by patient name on any of the provided medical records, should suffice to debunk their claim of ignorance
The typical response we have received to our numerous emailed status requests is an automatically generated one stating that the merits of the submission will be reviewed and replied to within daysMore than days later now, we are still waiting for substantive action by ACTelephone calls, if answered, have continuously failed to provide any clarityNo AC management rephas replied to direct correspondence or requests for the resolution of this claimInstead, we've come across emails between AC Ecuador staff complaining about follcalls from the "bothersome" family
Complying with AC's unreasonable, repetitive, contradictory and inadequate requests, has not allowed my mother to focus on her recoveryInstead, the inordinate amount of time and energy she had to devote to the effort exacerbated the poor condition in which she had been left since her accidentWithin a couple of day of submitting the confirmation package that AC had vehemently demanded as a condition of payment, my mother had to undergo emergency surgery directly linked to her accidentIn addition, we have been and continue to be subjected to constant harassment from collection agenciesAs if that were not enough, AC's inaction has directly prevented my mother from receiving a $2,discount we negotiated with one of the hospitals
Recently, the other hospital indicated that AC has flatly denied coverageAC now states they have not submitted form UB04-never mentioned before

It has been almost a year since my mother suffered an accident which qualified for full coverageAssist Card has only partially paid (60%)
We are providing public information and confirming our complaint regarding Assist Card, a subsidiary of the Starr Companies (starrcompanies.com)
Last year, my mother purchased travel insurance from Assist Card Ecuador which included coverage for medical services in case of accident during her US trip for the holidaysIn early December, she had a qualifying event of which the carrier was immediately informed
Despite our repeated compliance with all the requests that Assist Card made concerning related billings, it is only after I placed a negative review with the Revdex.com that they started to make partial payments in May of this year It has been almost ten months since the accident and we are still receiving demands from the medical providers and collection agencies for the remaining 30% of the billsAt the same time, Assists Card person

Provided services for an emergency patient through this insurance over months agoCan not resolve a claim or received payment for these services
On December 3, patient Rodrigo Lopez DOB:10/13/Case# 3E77B2B, Membership #XXX-XXXXXXXXXXVXXXXXXXXPatient came in for an emergency visitAs patient was here company sent over a form for us indicating coverage and an actual active planWe billed our claims for these services as a courtesy to our patientsmonths later Im trying to resolve this manner Contacted the insurance company multiple times trying to resolve this mannerUnable to reach anyone in their claims departmentIve sent multiple emails to different departments contacted the insurance commissioner of Florida as well, they were unable to helpToday I got transferred again and placed on hold for about 30+ min to have the call end on their endthis not the first time calls get disconnected Wondering how this facility is conducting business without provid

We have sent four bills to Assist Card, the oldest being months oldNone have been paidThey are now ignoring requests all together
Mathias Vonloebell, Policy #XXXXXXXXXXX, date of service 12/19/total charge $On 2/19/Deago informed me no claim was on fileFaxed to XXX-XXX-XXXX Attn: claim #8D1D6EOn 3/24/I was informed by Alfonso that they no longer allow claim status over the phone, it must be received in writingHe provided ***@assist-card.comOn 4/3/I called back to see why I had not received a response and was transferred to the claims department were I sat on hold for over an hourI called from another line and was told the claims department was closed that day and that I should receive a response to my email within hoursOn 4/24/I was informed by Austin S that again no claim was on file, I refaxed the claimOn 5/8/I was informed by Marta Gonzalez the claim is on file and that I need to send an email to ***@assistcard.com f

We have unpaid claims for various patients in the amount of $some of which have been open since
We have the following accounts open and have been unsuccessful in receiving payment from Assist Card We are told to email them, but receive no response We are put on hold and eventually disconnected This has been going on for almost years Until payment is received we will now request patients with Assist Card insurance pay at the time of service and request reimbursement from Assist Card directlyThe list of patient account numbers, date of service and amount owed by Assist Card is:
XXXXXX 06/16/$
XXXXXX 07/15/$
XXXXXX 10/18/$
XXXXXX 11/23/$
XXXXXX 12/06/$
XXXXXX 12/26/$
XXXXXX 05/19/$
XXXXXX 05/22/$
XXXXXX 05/30/$
XXXXXX 07/03/$
XXXXXX 07/15/$
XXXXXX 08/06/$
XXXXXX 08/17/$
XXXXXX 10/15/$
XXXXXX 12/

Hard to get claims paid and they never answer the phone
We saw a patient sent from Assist Card to our office for emergency procedures at the beginning of JuneAfter having them pay for the initial exam via credit card, patient got them to pay for the procedure neededThey sent an authorization for the amount and advised us that, for that amount, we needed to send in a physical claim because they wouldn't pay with a virtual credit cardWe sent in the claim to the address provided along with the documentation needed and authorization for paymentAfter a month of having sent the claim (7/8/2016) I tried calling them to get status of the claim and I kept being transferred from representative to representative and placed on hold for HOURS to end up being disconnectedI called for a week straight with the same results: transferred, hold for hours and disconnectedI decided to send the claim via fax with a cover letter stating that they needed to contact the office urgently upon rece

Seeking payments for medical claims filed in August of
We had an assist card traveler (Luiza Costa) come to our urgent care center on August 22, and August 29, Services were "approved" by assist card as they asked us to fax over the information prior to treating the patientA maximum of $(per visit) was approvedBills were sent via mail the day following treatmentsAfter days of no response we attempted to reach Assist Card via phonetimes on October 13, I was hung up on or left on hold for over minutesThe claims were then faxed to X-XXX-XXX-XXXX with a cover letter stating that someone needed to contact us with payment statusAfter another months of no activity I attempted to call yesterday (March 14, 2016)I was hung up on twice and transferred once to an extension (ext XXXXX) where I was placed on hold for over minutes before I hung upI sent an email to ***@assistcard.com yesterday morning and have yet to receive a respo

Assist card has not paid a claim since 04/There have been multiple times where Assist Card has been contacted about this to no avail
On 04-24-15, I had some lab work done and I used the Assist cardHowever, close to a year later Assist card has not paid the bill provided to them by the Quest Diagnostics in the amount of $
I am receiving notices from the Quest Diagnostics indicating that payment has not been received
Invoice #

Assist Card is no longer responding to emails or phone calls regarding payment due
Patient was seen in the office on 10/21/and 10/27/Since then we have emailed, faxed and called to get paymentThe only thing we have been given is a claim number of F73FBCB and told that they are working on itCurrently outstanding balance of $Emails are no longer answered and when we call we are left on hold for hours and no one ever answers

My parents traveled from Colombia to visit me in OregonMy mother got sick so
I took her to the emergency room here at Saint Vincent hospital in Portland OR
She purchased Assistcard travel insurance in Colombia that covered medical
assistanceI filled the forms and sent all the documentation to Assistdcard
for them to pay the bill to the hospital, but Assistcard hasn't paid
My mom is years old
The latest information from the hospital is that Assistcard needs additional information from the patiente to pay the billI don't know of any request for information from them so I tried to contact them to know what information they need from us, but the persons I contacted don't know so they transfer me to the billing department (XXX) XXXXXXX where they put me on hold until they hang up
"This is Fraud" They don't provide the insurance my mom paid forThey should not be in business
Don't purchase any insurance from AssistcardIt's a scam!
Product_Or_Service: Trave

Assistcard is not responding with adequate coverage during emergency while insured was visiting USA stating that it was chronic sickness-preexistence
My mother, *** *** ** ***, retired insurance agent with a health policy in Colombia, South America taken with their former employer *** *** for more than years traveled to the USA on May 5th This health insurance includes a coverage while traveling internationally thru Assist-card with US$ 25, in case of an emergency
Fifteen days later, on May 19th, my mother had to be taken as an emergency to the ER at Rush *** Hospital in IllinoisShe was diagnosed with Acute *** with micro-perforation and doctors mandated her to stay at the hospital for days and to not leave the country for another months
Assistcard opened the case # XXXXXXXXXXXXX and they were informed all the time of the progression of the emergency as they were acting as second guarantorOn June 29th, ***@assi

Assist Card continually failing to cover insurance claim app years after claim submission for emergency services 05/03/total $
Assist Card repeatedly and consistently failing to cover insurance claim nearly years after original claim submission for emergency services 05/03/total $St Francis Memorial Hospital, San Francisco CAAssist-Card verified emergency services coverage 05/18/Claim submitted 05/18/No responseClaim re-submitted with medical records 07/30/No responseContacts with Assist Card 10/10/12, 10/12/12, 01/15/13, 04/15/13, 07/13/with great difficulty and no resolutionContact 11/03/14, Assist Card agreed on settlement of claim for $to collections agencySettlement payment not received as of 03/14/More contacts 01/20/15, 01/28/15, 02/04/15, 02/17/15, 02/19/15, 03/27/15, 04/06/15, 04/07/15, 04/27/with great difficulty and no resolutionClaim resubmitted with settlement agreement faxes, account history, and sett

AssistCard has failed to make payment to all medical bills related to the patient; we have contacted them repeatedly w/o success in closing claims
My father, *** Rodriguez-Duran (years old and identified with Colombian ID XXXXXXXX), purchased travel insurance from Starr Indemnity and Liability, operating under the name "ASSIST-CARD", prior to his summer trip to the Redmond (WA,USA)Policy Insurance purchased is No.: XXX-XXXXXXXX OCA CAStarr/ASSIST-CARD information as purchased was as following: Address: SW 7th St, Miami, FL XXXXX
Phone: (XXX) XXX-XXXX or
Website: http://wsusa.assist-card.com/contact/
Unfortunately during his trip to Washington State, my father fractured his wrist (left hand) in an accident on 06/19/in Redmond (WA), while being covered by the Starr/ASSIST-CARD policyHe was seen by Urgent Care that same day of the accident for immediate treatmentMy father filed the accident with Starr/ASSIST-CARD on 06/19/2015, and Starr/

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