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Bob Gammache, CMPS

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Reviews Mortgage Broker Bob Gammache, CMPS

Bob Gammache, CMPS Reviews (7)

This is [redacted] complaint # [redacted] ~ I wanted to add to what I had sent about the reject of their response NEVER did they or anyone from their billing office call me at all about the charges being different I called them the next day and they told me there was no refund and I had made my payment as we discussedI did not here from any one there until I received the bill from their billing officeWhich prompted the complaint with you folksEven my husband said what are they sending a bill now after all this time and they said it was paid beforePlease believe me when I tell you they are NOT being honestI would never have said yes to a visit under those circumstancesI would have waited to go to my family doctor the next day and pay to see him That is why I am upset Because of their fraudulent business practices

I am rejecting this response because: I am still holding my stance on what exactly was told to me by the people that was at Express Lane Urgent Care when I went in for services I and my daughter both was told what it was going to cost and we confirmed with them times before I signed anything and again all they told me I was looking at was for the visit and for the urine testNever at any time was anything said about the difference in my insurance would have to be metJust that I may be entitled to a refund to call them the next day and I did I would NOT have agreed to a penny moreI would have waited and went to my family doctor the next morning for office visitThey also said in their last response they had called me after to discuss the difference in the charges and I NEVER received a call from them AT ALL on anythingI received a bill about a month and 1/laterThat was the only thing I got from themI know what I was told and I know they practice these fraudulent business practicesBecause of what they have done to meI do know about my insurance and how it worksI do know exactly what we were told and exactly what has bee transpired since thenEven as far as extra test that they never performed and charging people for that too A pregnancy test on a year old woman that is not sexually active and the Dron duty had even asked me and I told him no I know they said they would wave thatBut the fact still remains that they charged me for something that was not even done They are not doing their business right and not being honest with the patients coming in for their servicesThis is WRONGIt's the principle that matters I was told what I was told and taken advantage of a fraudulent business Thank you Revdex.com [redacted] ***

I am rejecting this response because: This is a LIE in every sense of the word and I have my daughter as a witness to what was told to me and her and assured there would be no more cost to me Just a possible refund . They said for the visit would be only plus for the urine testI was told that times it would be no more and I said ok for the visit and my daughter and I discussed the charge and she said Mom it will only be at the most and maybe less if you get a refund and I said OK and the doctor on duty that night also re assured me at the cost and NO moreAll the extra charges came up over a month and 1/laterI called them the next day and they assured me then that it was paid and no more cost also no refundThey are lying about this and I do believe they do this with other people that come in thereI would NOT have said YES to the visit if they would have told me different
Thank You
*** ** ***

In response to *** ***'s comment, We do apologize for the misunderstanding but we uphold our previous stanceHer insurance has a deductible and she is responsible for her bill, per her insuranceThe form in which every patient fills out and signs in order to be seen, clearly states that the patient is responsible for any amount not covered by their insuranceMrs *** was informed that we called her insurance, they stated she had a deductible, thus not warranting a refund, and that her visit was going to be processed thru her insuranceWe respect our customers, and we make every effort to keep them informedWe apologized that she did not understand her insurance policy, but we would never tell a patient that they will not receive further bills when the visit is submitted to their insurance because it is up to the insurance to pay the claim or deny itInsurances can deny the claim for various reasonsOur employees are all well trained with these proceduresWith that being said, there is obviously not going to be a consensuses of the facts, so we will write off the remaining balance of $as a courtesy to Mrs ***

Patient, *** ***, was seen in our office on 4/27/at 8:pmPatient provided us with her insurance cardWe attempted to verify her insurance at the time of the visit but the insurance website was down and we were
unable to speak to customer serviceWe explained to patient that we could see her at our private pay (no insurance) rate and we would try to contact the insurance the following day to verify that insurance is activeIf we could verify insurance, then we could refund her what she paid, minus any copay's or deductiblesThe receipt we gave to the patient that night, explained that exact processIf the insurance was not active, then we would not refund anything and her visit would be paid for at the rate of $The following day we were able to call the insurance and confirm insurance is activeBut they informed us that she does have a deductible of $and that only $had been metWith that information, no refund was due to the patientWe called to inform patient that we could not do a refund due to the fact that she has a deducible that has not been metThe information was sent to our billing company and they processed the claimInsurance applied $that was paid at the time of the visit to her deductibleBilled amount was higher then the $Patient was billed for the additionIt is our policy to always inform patients that there is a possibility that there could be additional chargesIt is the patients responsibility to know the details of their insurance plan which they have chosenPatient did receive a bill that detailed total billed, total paid, and total not paid by insuranceAll of which was applied to deductibleWe will subtract the $for the pregnancy testPatients is now responsible for the amount of $

I am rejecting this response because: I am still holding my stance on what exactly was told to me by the people that was at Express Lane Urgent Care when I went in for services I and my daughter both was told what it was going to cost and we confirmed with them 3 times before I signed anything and again all they told me I was looking at was 110.00 for the visit and 10.00 for the urine test. Never at any time was anything said about the difference in my insurance would have to be met. Just that I may be entitled to a refund to call them the next day and I did.  I would NOT have agreed to a penny more. I would have waited and went to my family doctor the next morning for 70.00 office visit. They also said in their last response they had called me after to discuss the difference in the charges and I NEVER received a call from them AT ALL on anything. I received a bill about a month and 1/2 later. That was the only thing I got from them. I know what I was told and I know they practice these fraudulent business practices. Because of what they have done to me. I do know about my insurance and how it works. I do know exactly what we were told and exactly what has bee transpired since then... Even as far as extra test that they never performed and charging people for that too...  A pregnancy test on a 58.00 year old woman that is not sexually active and  the Dr. on duty had even asked me and I told him no.  I know they said they would wave that. But the fact still remains that they charged me for something that was not even done.  They are not doing their business right and not being honest with the patients coming in for their services. This is WRONG... It's the principle that matters . I was told what I was told and taken advantage of a fraudulent business.
Thank you Revdex.com
[redacted]

This is [redacted] complaint # [redacted] ~ I wanted to add to what I had sent about the reject of their response.  NEVER did they or anyone from their billing office call me at all about the charges being different.  I called them the next day and they told me there was no refund and I had made my payment as we discussed.. I did not here from any one there until I received the bill from their billing office. Which prompted the complaint with you folks. Even my husband said what are they sending a bill now after all this time and they said it was paid before. Please believe me when I tell you they are NOT being honest. I would never have said yes to a visit under those circumstances. I would have waited to go to my family doctor the next day and pay 70.00 to see him.  That is why I am upset.  Because of their fraudulent business practices.

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