Consolidated Health Plans, Inc.

I appealed to CPH for a discontinuation of their servicesI was emailed and told I'd be given a refund. emailed again 3 days later no refund givenI'm currently a student at [redacted] University and was enrolled in CPH in the Spring/Summer 2014 when the deductible was [redacted] I continued my coverage for Fall 2014, in August 2014. At that time information on the change in deductible [redacted] to [redacted] was not easily accessible, highlighted in anyway, or told to me.I then realizing in October, that none of my claims were being covered for my offices visits to outpatient, preferred provider for mental health. I was then told that I must pay all service fees until I reach the [redacted] deductible price, of [redacted] which is higher then any of my services cost for the period of coverage.I asked for a refund and discontinuation of services both through email and phone on October ** and October ** 2014.I was told by email on October ** 2014, that I would be given a full refund and discontinuation of my policy in 3-5 business days. Though on Monday October ** 2014 I was told no refund would be given and also no canceling of service, that they have changed their mind.Desired SettlementI'm seeking a partial refund of my initial payment of [redacted] for the months of October, November, and December 2014 in which the plan were not used. I also feel it is a fair resolution due to I asked to discontinue my service and was told I could do it by email and also the refund on October ** 2014; but both things were retracted in an email sent on October ** 2014Business Response Dear Revdex.com,Consolidated Health Plans (CHP) is the administrator of the one-year non-renewable Student Health Insurance plan that the student was covered under from [redacted] through [redacted] She enrolled in the XXXX-XXXX one-year non-renewable Student Health Insurance plan effective [redacted] Because the plans are one- year non-renewable plans, the benefits can vary from year to year. The XXXX-XXXX plan benefits were posted on our website in July 2014. The member enrolled in the plan, and subsequently requested to cancel her coverage. We informed the member on [redacted] that her request was approved and her coverage would be cancelled effective [redacted] and that she would receive a refund of the premium she paid less any claims paid. The credit card refund was processed on [redacted] It may take 7 to 10 business days for the credit to show on her account. The member confirmed to CHP on [redacted] that she understands that she is no longer insured under the plan as of [redacted]We appreciated this opportunity to respond to this complaint.

The insurance company refuses to pay any medical bills that were sent to them. I had CHP for insurance from February 2014 until November 2014.At the end of July 2014 I was taken to the hospital by ambulance twice and required several hospital visits. All hospital bills were sent to my health insurance company CHP for payment and none of the bills were paid, they notified me by mail that I needed to inform them who I had for previous health insurance before they would pay the hospital bills. I informed them who I had for previous insurance and they are still refusing to pay the bills.Desired SettlementI am seeking all medical bills to be paid by the insurance company that I paid money to to cover for my medical needs.Business Response Dear Revdex.com,CHP received medical expense claims incurred by the member from 7/27/2014 through 8//26/2014. We sent a request to him asking if he had other insurance, due to the coordination of benefits provision in the plan. We received his reply on 9/10/2014 advising us that he did not have any other insurance. We paid benefits on 10/16/2014 for three medical expense claims incurred on 7/27/2014 and 8/1/2014. After review we find that four additional medical expense claims incurred on 7/27/2014, 8/20/2014 and 8/26/2014 were denied in error rather than processed for benefit. We apologize for our error. Our Claims Department will reconsider the denied charges for the available benefit. The member will receive Explanations of Benefits (EOB's) when the processing is completed. A letter is being sent to the member today to inform him of this.

Cancelled health insurance with no FORM of NOTICE NOW STUCK WITH THOUSDANDS OF DOLLARS IN BILLS!!! They cancelled our health insurance plan with no notice or phone call nothing!!! The drs office approved all the tests and labs necessary with them before they scheduled all the appointments. They also checked insurance day off and was all set. Then went to use health insurance weeks after all tests and the pharmacy said our insurance wasn't working. I called and they said that they cancelled it back in feb but approved my test march 2nd when hospital ran insurance for medical testing!!!! I asked why they said our bank card did not work....well if that was the case they should have called us and we would have paid over the phone and found out where the error was!!!!! Now we are stuck with almost 10,000 in medical bills!!! We would have reached our deductible so its obvious that they cancelled before we did. I called and was very very nice and was asking questions and they tried to blame it on our bank then my employer. Then I said if I call and get this figured out can you reinstate us? Especially if it wasn't our fault...they said no we would have to wait till june so we would be out of health insurance and not knowing it for 4 months if I had not tried to get a prescription!!!!!!! now we have had to pay out of pocket for daily meds that my husband takes as well as medical bills that they APPROVED!!! they were beyond rude did not apologize for any inconveniences or for approving the insurance upon the tests days nothing. just said that they don't have to send or mail or give a phone call and can terminate whenever. I now am going to have to get a lawyer and call all the medical places I visited and inform them and Im pretty sure that they will be mad cause I don't have XXXXX to pay them upfront!! So I wouldn't be surprised if they stop taking that insurance, especially since they called to get approval before the services and the day off! I am also writing a letter to owner of my company explaining their poor practices especially since I work in the heath care field! If this does not get settled with in the next few weeks I am calling the local news station who looks into cases like this and airs it on the news so that others can be made aware of poor practices!Desired SettlementTo pay the bills that they agreed to pay with the providers who called to get approval from them!!!Business Response Dear Revdex.com,The medical expense claims that we received were denied as the member's premium was not paid for the period the claims were incurred. CHP does not handle the premium and billing for the plan, this is handled by Plan Benefit Services. Plan Benefit Services is working with the member to resolve the premium issue. Once this is resolved we can provide a final response.