Health Republic Insurance of New York

Review: Earlier this year I made an online payment using my checking account/routing information & I received a confirmation # for my payment. A few days later I was notified by my bank that because of a security breach at Target, & for my own safety, my credit/debit card had been deactivated. Why this would have affected my insurance payment I do not know but apparently my payment became unsuccessful. I contacted Health Republic & made my payment over the phone as soon as I became aware of the situation.

When I attempted to make my next monthly payment online I received a message stating that my checking account was invalid to make payments from. I spoke to an individual at Health Republic & he took my payment info over the phone, game me a confirmation # [redacted] & told me that I should be able to go back to using my checking account to make payments online within the next month or so as it was just a glitch in your system.

Today when I went online to Health Republic to attempt to make a payment I noticed that there was no record of my previous payment & that I now owed 2 months of payments as well as late fees. I called Health Republic again & asked what the issue was & this time was told that there was nothing that can be done re: paying my bills online. I asked if I could make a payment over the phone & was told I could, so I did & was given the confirmation #[redacted].

In addition to the above issue, last months bills went out late & the monthly due date was supposed to be advanced moving forward yet there is no mention of that on my most recent statement & I was told by the woman I spoke to that my due date is still the [redacted] of each month which is what it was previously.Desired Settlement: I would like to have my checking account made valid again so that I can use it to make payments through via your website.

Consumer

Response:

At this time, I have been contacted directly by Health Republic Insurance of NY regarding complaint ID [redacted], however my complaint has NOT been resolved because:

[Your Answer Here]

I was contacted by Caliber Home Loans & have been told that the issues with my account access have been fixed but I will not be able to verify this until August [redacted] 2014 when my next bill becomes available for payment online. Until that time I have no way of verifying if my complaint has been resolved.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

[redacted]

Dear [redacted]:

Freelancers Health Service Corporation, d/b/a Health Republic Insurance of New York (the “Respondent”) hereby responds to the complaint filed by [redacted], (the “member”) received by the Revdex.com (“Revdex.com”), which Revdex.com relayed to the Respondent on June **, 2014.

COMPLAINT SUMMARY

1. According to the member, he is a subscriber holding a policy of health insurance with Health Republic. He asserts that on an unspecified date during the current year, he made a payment against his policy using his checking account and received confirmation that the transaction was successful;

2. The member avers that at some point his Financial Institution (“Bank”) contacted him and informed him that his Debit/Credit card (“card”)was compromised as a result of a security breach unrelated to his transaction with Health Republic, and therefore his card was deactivated by the Bank;

3. The member asserts that as a result of the foregoing matters, Health Republic refused to accept any further payments from his checking account, though he is unclear how the foregoing detailed incident would affect his checking account status as a form of legal tender to satisfy his monthly premium obligations with Health Republic;

4. The member thereafter contacted Health Republic and made two (2) payments against his policy by telephone, which the member was assured were allocated against his policy;

5. According to the member, he was informed by Health Republic that there was a glitch in the system that was preventing it from accepting his checking account but that within a month, the situation would be remedied. Subsequent events have proven this statement misleading and/or false, as his checking account has yet to be readmitted as an acceptable form of tender by Health Republic;

6. Moreover, the member asserts that he checked his account status on-line only to find that his payments have hitherto failed to be applied against his policy; and

7. As a result of the matters raised in paragraphs 1 through 6 hereof, the member filed this complaint with the Revdex.com (“Revdex.com”).

RESPONSE

The following is a timeline describing the matter and the steps Respondent took to ensure satisfactory resolution and communication thereof.

1. On June **, 2014, after receiving this complaint from the Revdex.com, the matter was referred for investigation with the Respondent’s Billing and Enrollment Specialist team (“team”), who confirmed that on April *, 2014, the member’s premium payment against his policy was voided with an indicator notation, “account invalid”;

2. As a result of the foregoing, Health Republic’s system triggered an account restriction against the member’s account, thereby effectively preventing any further premium payments being deducted using the account number of record;

3. On June **, 2014, Health Republic removed the restriction against the member’s account, and advised him to verify his account before attempting to utilize it to satisfy his premium payments. The member was also advised that he was at liberty to use another account to satisfy his monthly obligations with Health Republic; and

4. Based on the contents of the foregoing, the Complainant’s matter has been satisfactorily addressed. However, should the member have any other concerns, it is suggested that he reach out to our Customer Service Department at our toll free number [redacted].

Respectfully,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: To Whom it May Concern: At the end of November 2013 I signed up to particpate in the Obma care with Health Republic. I had called on numerous accounts to inquire as to why I had never received any documentation in the mail regarding my policy. (I have all dates and individuals written down. If I need to provide that info I can at a later date. I don't have it on me at this time) Each time I called I was told by each representive they have the correct address. Months later around the end of Feb I find out that had been a lie. Instead they had me living at one address and my mailing address was different. As a result I had sent a certified letter along wdith my 3/2014 monthly payment requesting they correct this matter immediately as well as to issue me a credit for the months of Jan and Feb as they had breached the HIPPA compliance law by making up a address of [redacted]. I do not know who lives there that has never been my living nor mailing address. Finally, on 3/**/2014 I was able to resolve the address issue. As a result of Health Republe errounous error they did comply with my request and issured me a 3 month credit of 687.36 stated on invoice number [redacted] dated 4/**/2014 which means I shouldn't owe them a dime for 3 months of service as I was issured a credit. However, on 04/**/2014 I discover a policy changed had been made to my acct without my consent suddenly I owe 458.24. It is now 04/**/2014 I have been trying since 04/**/2014 to get PROBLEM 2 resolved and of course I'v been unsucceful. On 04/**/2014 I spoke to a [redacted] who mentioned there had been a clitch in the system. On 04/**/2014 a [redacted] by the name of [redacted] spoke to me and indicated I shouldn't have to make any payment the issue is being worked on and I will receive a follow up call. I have yet to receive any calls and the problem is still lingers.Desired Settlement: I am requesting the credit that is due to me of 687.36. I shouldn't have to make any premium payments for 3 months due to the credit that had been issued. Someone needs to look into Health Repulic and perhaps put the out of business. They know how to take and run with you money (steal)but they are unalbe to resolov any issues.

Business

Response:

Dear [redacted]:

Freelancers Health Service Corporation, d/b/a Health Republic Insurance of New York (the “Respondent”) hereby responds to the complaint filed by [redacted] (the “Complainant”) received by the Revdex.com (“Revdex.com”), which Revdex.com relayed to the Respondent on April **, 2014.

COMPLAINT FACTS

1. According to the complaint, the Complainant enrolled with Health Republic for a policy of Insurance sometime in or about the end of November, 2013;

2. The Complainant states that she never received a welcome package, which prompted her to contact Health Republic for an explanation, at which point the Complainant was assured by Health Republic that her enrollment was active and that the Respondent’s record of her billing address mirrored her mailing address;

3. The Complainant alleges that sometime in or about February, 2014, she discovered that Health Republic did not in fact record her address correctly;

4. Based on the contents of paragraph 3 hereof, the Complainant registered a complaint with Health Republic and demanded redress for the breach (described by the Complainant as a HIPAA violation), by the Respondent.

5. According to the Complainant, the Respondent answered the Respondent’s complaint by issuing her a credit for three (3) months premium;

6. On April *, 2014, the Complainant discovered that an unauthorized policy change was made to her account, which gave rise to an account balance of $458.24;

7. The Complainant was informed by a CSR of the Respondent that there was a glitch in the system, which caused an error in her account balance;

8. The Complainant asserts that she has been attempting to have her billing issue resolved since April **, 2014, without success; and

9. As a result of the matters raised in paragraphs 1 through 5 hereof, the Complainant filed this complaint with the Revdex.com (“Revdex.com”).

RESPONSE

The following is a timeline with references to supporting documentation describing the matter and the steps Respondent took to ensure satisfactory resolution and communication thereof.

1. On April **, 2014 Respondent received the Complaint from [redacted]).

2. On April **, 2014, Respondent began its internal review and escalated this Complaint with the Enrollment Specialist team, which confirmed that member was enrolled for coverage effective, January *, 2014;

3. On April **, 2014, Health Republic’s Billing and Enrollment Team confirmed that the history of the Complainant’s coverage revealed that, the file received from New York State of Health (NYSOH hereinafter the “Exchange”) contained both a physical address and a billing address, the billing address appeared to be a transposition of the numbers on the numerical portion of the physical address;

4. The file that was sent by the Exchange contains information physically inputted and supplied by the Complainant at the point that she filled out the Enrollment Form on the Exchange web-site. It is this information which was used by the Exchange to create a file which was then sent to the Respondent to initiate and complete the Complainant’s enrollment;

5. A further investigation into the Complainant’s matter, confirmed that due to the error, ostensibly produced and/or authored by the Complainant, two (2) Invoices were sent by Health Republic to the said address. Health Republic can confirm that in March of 2014, it adopted a new policy of manually changing addresses that were faulty, irrespective of the origin of the fault, and which could result in bills being sent to an incorrect address upon receiving authorization to correct same from its subscriber. Consequently, the Complainant’s address was corrected on March *, 2014, pursuant to her direction;

6. As of May *, 2014, the Complainant’s physical and billing addresses correspond with the information provided to the Respondent by the Complainant;

7. On May *, 2014, the Respondent authorized its Billing and Enrollment team to process abatements for the months of: January, February and March, 2014. Accordingly, the Complainant will not be required to make any further premiums payment until sometime in or about June **, 2014, to be allocated against the month of July, 2014;

8. Let the record reflect that the abatements were not granted to the Complainant as a result of any HIPAA violation, as Health Republic’s risk assessment revealed that there was none, but rather because a commitment was made by one of Health Republic’s CSR’s, clothed with apparent and inherent authority, though no actual authority to approve the abatements. Consequently, Health Republic was bound, both legally and ethically to honor the commitment made by its representative; and

9. In view of the contents of paragraphs 3 through 8, the Complainant’s concerns have been thoroughly worked and resolved in satisfaction of the complaint.

Thank You,

Office: ###-###-####

This electronic message is intended to be for the use only of the named recipient, and may contain information from Health Republic Insurance of New York that may be confidential and/or privileged. If you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or use of the contents of this message is strictly prohibited. If you have received this message in error or are not the named recipient, please notify us immediately, either by contacting the sender at the electronic mail address noted above, and please delete and destroy all copies of this message. Thank you.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here] I want to make it clear that this response is in reference to the following message from Health Repulic . Let it be known that I did not aurhorize my documention or any infomation of mine to be sent to an address other than the one I have been living for the past 9 years. By the way I didn't fill anything out on the website. I dont use the computer for personal info. I pyscially had spkoken to a person in Nov. 2013 to enroll in the health care act. Lets not turn the story around and make it my error. I don't appreciate that at all. Health Repulic chose to be apart of the exchange. Therefore they need to be held responsible for the incompentacey of anyone who had signed up individuals to take part in their health care package. Health Repulic is fully aware that others would be working for them. It is not my problem that incompentant indivduals chose to change my address making one up that led to this whole mess in the first place. For months I had been told my address was correct and it was not. Now that I have said that, I'm greatful that Health Repulic has aknowleged the credit due to me and I will not have any premiuns due Until the month of July 2014. Thank you

The file that was sent by the Exchange contains information physically inputted and supplied by the Complainant at the point that she filled out the Enrollment Form on the Exchange web-site. It is this information which was used by the Exchange to create a file which was then sent to the Respondent to initiate and complete the Complainant’s enrollment;

5. A further investigation into the Complainant’s matter, confirmed that due to the error, ostensibly produced and/or authored by the Complainant, two (2) Invoices were sent by Health Republic to the said address. Health Republic can confirm that in March of 2014, it adopted a new policy of manually changing addresses that were faulty, irrespective of the origin of the fault, and which could result in bills being sent to an incorrect address upon receiving authorization to correct same from its subscriber. Consequently, the Complainant’s address was corrected on March *, 2014, pursuant to her direction;

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Consumer

Response:

I'm happy with the fact that I will not have to pay any dues until the month of July. However, I want the facts states correctly if my complaint should go public. The facts are Health Repulic created two address in my favor that in no shape or form should of happened. They had a mailing address for me and a living address. I have ONLY ONE address and have been there for 9 years. In there response it was mentioned that the complaintent had provided the incorrect infomation upon signing up on the website. That is NOT SO!! First of I never signed up on the website. An individual had signed me up. Someone botched up my info. It had taken me from Nov 2013 - March * of 2014 to resolve that issure. For several months I had been told from numerous representive that they had the correct info and that was a lie. They never had my address correct. Any documentation they mailed had been going to the WRONG address due to there errounous error. That is unacceptable. If my complaint goes live the facts need to be stated correctly !!! Thasts all I want the truth to be known. Thank you

Review: We were going to cancel our insurance with this company in the fall. We contacted them and made them aware of this. A week or so later we changed our minds and contacted them again to tell them not to cancel the policy. Customer service said that we were all set and that it would not be cancelled. When I tried to go to the hospital I was told that our insurance had been dropped. Again, we contacted Health Republic and were told it would go into effect 1/*/15. We still have nothing and our account on their website shows that we are not currently under any plan. We have been in contact with Health Republic for months trying to get our ID cards and benefit booklet. We have called on numerous occasions and have been told we will get an email in 7-10 days. We have gone beyond 10 days and were told to wait again for 7 - 10 days. In the meantime, I cannot get prescriptions filled or make doctors appointments.Desired Settlement: We would like our coverage, benefit booklet and ID cards asap

Business

Response:

Dear Sir/Madam: Thank you for your inquiry in connection with the captioned complaint, Health Republic Insurance of New York (“Health Republic”) hereby responds to the complaint ID [redacted], received by the Revdex.com (“Revdex.com”), which Revdex.com relayed to the Respondent on January *, 2015. Health Republic confirms that the member originally directed the termination of the policy referenced by way of facsimile transmission on September **, 2014. Subsequently, the member requested to be reinstated and per her request we have since reinstated the member as a participant within her group, effective, November *, 2014. All associated billing has been updated to support the changes made. Health Republic can confirm that the member has been advised of the changes and can expect her new member ID cards shortly. Health Republic apologizes for the inconvenience and trust this solution satisfactorily addresses the member’s concerns. Sincerely, Health Republic Insurance of New York

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.Sincerely, [redacted]

Review: I had coverage from Health Republic starting May. However, starting October, I am actually under [redacted] due to income change.

Since I am no longer getting coverage starting Oct [redacted] from Health Republic, I called it to ask for my refund on Nov [redacted] 2014 since Health Republic never issued me a refund and the company has already charged me for Nov & Dec. The rep told me that she just put in a request for refund with a reference number and I will get my refund within 10-14 business days.

On [redacted] Dec [redacted] (the 13th business day), I called in again just check to see when I will get my refund. This rep told me that everything should be processed by [redacted] Dec [redacted].

Nothing happened.

Thus, I called on [redacted] Dec [redacted]. The first call happened at [redacted] and the rep told me she will need to take a deeper look into my situation and will get back to me within an hour.

Nothing happened again. I waited for 2 hours and 30 mins.

I called again at [redacted]. The rep of this time told me that the reference number I got the first time is not a request for refund. Now she gave me another reference number for my refund request. However, now I have to wait for another 30 days.

Health Republic keeps pushing back the deadline for my refund. It has been more than two months now. After this another 30 days of wait, it will be 3 months.Desired Settlement: Refund ASAP

Consumer

Response:

After calling them more than 10 times. I finally got my refund. I am not happy with the way they deal with the issue. Very unprofessional? The customer reps are not well-trained. They don't even have the proper knowledge to help the customers which casued major delay for my refund.

Sincerely,

I purchased health insurance from this company for my Dad in November 2014. By Dec 2014, he was informed that he got qualified for a Government subsided health insurance plan due to his most recent financial status. I contacted Health Republic around December **'s, 2014 every day via their online "Contact Us" service to cancel his account, but nobody got back to me. I finally spoke to a representative on Dec ** who told me to fax in a cancellation letter for my Dad and they would take care of it. I faxed them this letter that was confirmed on their end. I still received a bill for him on January 2015. Called them (waited at least half an hour) and was promised that they would take care and cancel his account. Got another bill in February. Called them again. Got a profuse apology and was promised that this problem would be take care immediately. Now, I got the March bill. Called them, but the waiting time was so long so I gave up. I have made at least 5 calls to their company and multiple emails to their Customer Service online but nothing has happened. I am extremely furious and tired about them. My Dad does not have this extra amount of money to spend every month. This was exactly what happened to me with [redacted] mobile service that I must called them every month for 6 months in a row but nothing fixed and I had to go to a [redacted] store and terminate my cell phone service with them immediately. Now, this company is illegally charging my Dad $405 every month, which I don't know when it will end.

Review: On 09/**/2015 I visited Medhattan Immediate Medical Care for health related issues. I was assured that the services were covered by my insurance company.

I have now received a bill from them in the amount of $799. They submitted a claim to Health Republic Insurance of New York four times but never received a response and are requesting me to pay the full amount. I am aware that the company winded down its operations but this happened before November [redacted], 2015. I have also called the insurance company at the beginning of December and I was not able to resolve the issue. I sent a letter and received no asnwer.

I am absolutely sure that the claim is legit, that I should not pay the full amount and that Health Republic had enough time to respond to the claim before winding down its operations.

I would like to know what to do since it seems impossible to get in touch with them now.Desired Settlement: I want to have my billing adjusted to the correct amount according to the portion that should have been paid by the insurance and the discount that should have been applied to the full service amount.

Business

Response:

To - The This is in response to the inquiry filed under Complaint# [redacted]. Health Republic Insurance of New York ("Health Republic") is currently in wind down of operations and working closely with our regulators. At this time, claims processing remains on hold during the wind down review. Please continue to refer to our website for updates on payment of claims as it becomes available. Sincerely,[redacted]Health Republic Insurance of New York

Review: I called health republic numerous times guarding the non-delivery of my insurance card. I paid for the new health insurance in November and received my insurance card a month later. I explained to the reps I am a cancer patient and that the many different doctors offices were requesting the actual card not just the "number" as quoted. Reps were not friendly nor did they provide any helpful information. The added on unnecessary stress to my current health situation! I also faxed a letter of authorization to Health Republic dated 12.**.2014 and I have a copy that the fax was successfully sent for my wife to speak on my behalf and handle any questions regarding the account including billing. The phone call made to Health Republic on 12.**.2014 no one knew anything about the authorization letter so my wife could not speak on my behalf. Also, my wife tried setting an account online as soon as we received the card and we received an error message stating the "date of birth" did not match. When I called Health Republic the rep asked a few questions to "confirm" I am the account holder and one of the questions was my DATE OF BIRTH. I told her and she "Ok yes thank you" meanwhile when I told her the issue she replies "the date of birth is wrong on your account" meanwhile I JUST CONFIRMED IT 5 MINUTES BEFORE HAND! So why respond "Ok yes thank you?" If she was doing her job she should have noted that it WAS NOT CORRECT!

I have had MANY ISSUES the past 30 DAYS with HEALTH REPUBLIC INSURANCE OF NEW YORK! I am VERY CONCERNED that this rep DID NOT actually verify the info on her screen accordingly. I would like to know what is going to be done to fix this? If these issues continue I am forced to shop with another insurance since MY HEALTH is on the line and the STRESS caused is un called for!Desired Settlement: I lost out on the month of DECEMBER in visiting doctors because HEALTH REPUBLIC FAILED to supply my insurance card within 3-5 DAYS as stated. I would like my bill to be adjusted accordingly for the stress and aggravation caused!

Business

Response:

Dear Sir/Madam: Thank you for your inquiry in connection with the captioned complaint, Health Republic Insurance of New York (“Health Republic”) hereby responds to the complaint ID [redacted], received by the Revdex.com (“Revdex.com”), which Revdex.com relayed to the Respondent on December *, 2014. Health Republic confirmed that, on November **, 2014, we received the member’s initial binder cover payment to effectuate his policy for the month of December, 2014, however, due to a data management issue, which has since been addressed, the member’s file failed to trigger the necessary effectuation mechanism which would have resulted in the generation and issuing of member ID cards; for this Health Republic offers its sincerest apology. In view of the fact that the grievance, as detailed by the member, is legitimate we have authorized a premium credit for the month of December, 2014. Accordingly, the member will not be required to pay the premium for the month of December and the premium payments that have been allocated against his account to date have been reallocated, such that the member is now paid through to January **, 2015. The member is partially paid through for February, 2015, but will be required to remit the outstanding balance of $146.22 to satisfy that month’s premium commitment in full. We trust this solution addresses the member’s concerns. Again, Health Republic apologizes for the inconvenience experienced, as we continue to work toward a more accurate and timely transaction process to ensure these issues do not recur. Respectfully, Health Republic Insurance of New York

Review: I had health republic insuranc paid 1100.00 a month they notified they will stop providing insurance dec.* 2015 but they are not paying for services for november how can I get them to pay who do I have to contact there phones are disconected

Business

Response:

To - The This is in response to the inquiry filed under Complaint# [redacted]. Health Republic Insurance of New York ("Health Republic") is currently in wind down of operations and working closely with our regulators. At this time, claims processing remains on hold during the wind down review. Please continue to refer to our website for updates on payment of claims as it becomes available. Sincerely,[redacted]Health Republic Insurance of New York

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: On February [redacted], 2015 I signed up for health insurance through the [redacted] marketplace website set up to purchase private health insurance. The plan that was picked for me was Health Republic of New York and wouldn't be effective until March [redacted], 2015. They asked for a payment of $160.13 which I paid on February [redacted]. I ended up cancelling this coverage a few days later well before the March [redacted] 2015 date for the policy to begin and politely asked them for a refund since they provided no service or insurance coverage to me. To date, I have not heard back from them and am filing this complaint to expedite the process and get results.Desired Settlement: I am asking for a refund of $160.13.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: My policy has been charged for 8 months and I have still no health coverage . I get a different answer every time I call and speak to someone,Desired Settlement: Refund

Business

Response:

[redacted]

Dear [redacted]:

Freelancers Health Service Corporation, d/b/a Health Republic Insurance of New York (the “Respondent”) hereby responds to the complaint filed by [redacted], (the “member”) received by the Revdex.com (“Revdex.com”), which Revdex.com relayed to the Respondent on June **, 2014.

COMPLAINT SUMMARY

1. According to the member, his account was charged a total of eight (8) times under and pursuant to his policy of insurance with Health Republic. That notwithstanding, the Complainant has yet to receive health coverage;

2. The member claims that he has called Health Republic on several occasions and has been provided with varying responses on each occasion; and

3. As a result of the matters raised in paragraphs 1 through 2 hereof, the member filed this complaint with the Revdex.com (“Revdex.com”).

RESPONSE

The following is a timeline with references to supporting documentation describing the matter and the steps Respondent took to ensure satisfactory resolution and communication thereof.

1. On June **, 2014 Respondent received the Complaint from the Dispute Resolution Services Department of the Revdex.com;

2. On June **, 2014, Respondent began its internal review and escalated this Complaint with Respondent’s Enrollment Specialist team (“team”), which confirmed that member enrolled for coverage effective, January *, 2014;

3. The Complainant has since made his binder cover payment, and two (2) premiums payments to maintain his policy, for an aggregate of three (3) payments;

4. Contrary to what has been asserted by the member to date, he has accessed care under and pursuant to his policy of insurance with Health Republic a total of five (5) times, the first occurring on January **, 2014, and the last on February **, 2014;

5. On June **, 2014, The Respondent received confirmation from New York State of Health (NYSOH hereinafter the “Exchange) that the member called on several occasions complaining that he was deprived of the benefits of his policy, notwithstanding that he had made his premium payments timely. The Exchange assured the member that he presented as enrolled on the Exchanges database;

6. The Respondent has confirmed that after several attempts to regularize his account status with Health Republic the member simply opted not to use the policy of insurance in order to avoid being held responsible for an amount in excess of his commitments under his policy;

7. In view of the foregoing, the Respondent has terminated the member’s policy effective February **, 2014; and has re-enrolled the member for coverage effective July *, 2014; and

8. Based on the contents of the foregoing, the member’s matter has been satisfactorily addressed. However, should the member have any other concerns, it is suggested that he reach out to our Customer Service Department at our toll free number [redacted]

Review: HEALTH REPUBLIC IS AN AWFUL COMPANY. THEY ARE INCOMPETENT, NEVER RETURN CALLS, DESTROYED MY COVERAGE, FAILED TO PROPERLY ADHERE TO NY STATE OF HEALTH REVISIONS OF MY POLICY RENEWAL AND CANCELLATION OF PREVIOUS YEAR'S POLICY WHEN NY STATE OF HEALTH HAS REPEATEDLY SENT THEM CODES TO RESET MY ENTIRE POLICY. THEY ARE GOD AWFUL. BOGGLES THE MIND HOW STUPID THEY HANDLE THINGS.. THEY CONTINUED SENDING ME LAST YEAR'S POLICY BILLS, WHICH I INADVERNDANTLY PAID THE FIRST TWO MONTHS OF 2015, FOR A POLICY THAT IS NOT IN FORCE AND NOT REGISTERED WITH NY STATE OF HEALTH. AND THEY KEEP BILING ME. BUT THE POLICY THAT NY STATE OF HEALTH HAS RECORD OF, THEY NEVER SENT ME A BILL FOR. NOW THEY'RE TELLING ME THAT POLICY WAS CANCELLED BECAUSE OF NON PAYMENT? WHEN I NEVER GOT A BILL FOR IT. IMAGINE, THEY HAVE TWO POLICICES GOING FOR ONE PERSON-ME! WHAT BONEHEADS! I'M SICK.. THEY ARE HORRIBLE NY STATE KEEPS CONTACTING THEM TO CORRECT THEIR MISTAKES, BUT THEY NEVER DO. AND NEVER CALL ME. THE ONE TIME THEY CALLED ME IN JANUARY, THEY SAID I HAD TO FIX IT. ARE YOU KIDDING ME?? THEY MESSED UP AND I HAD TO CALL NYSTATE AND FIX IT?? I CALLED NYS STATE AND TOLD THEM EVERYTHING. THEY CALLED HEALTH REPUBLIC AND WE HAD A THREE WAY CONVO ON THE PHONE WITH [redacted], OF HEALTH REPUBLIC, WHO TRANSFERRED OVER ALL THE CODES AND WAS TOLD IT WAS FIXED THAT WAS 2 MONTHS AGO. STILL NOTHING!!!!!Desired Settlement: I WANT A REFUND OF $530.28 FOR THE 2 MONTHS PREMIUM I PAID FOR A PHANTOM POLICY WHICH WAS NO IN EFFECT. AND AN EXPLANATION OF WHAT THEY THINK CUSTOMER SERVICE IS?? BECAUSE THIS IS " CUSTOMER TORTURE". I WANT NY STATE OF HEALTH TO FIND ME A NEW INSURANCE COMPANY THAT WILL TALK WITH THEIR CUSTOMERS AND DELIVER, NOT MAKE THEM SICK!!

Business

Response:

[redacted]Dear Sir/Madam:Thank you for your inquiry in connection with the captioned complaint, Health Republic Insurance of New York (“Health Republic”) hereby responds to complaint ID [redacted], received by the Revdex.com (“Revdex.com”), which Revdex.com relayed to us on March **, 2015. The member enrolled for a policy of insurance with Health Republic, through the New York State of Health (“Exchange”), effective, January *, 2014. According to the member, Health Republic did not correctly cancel his policy for benefit year 2014 or properly process his renewal transaction. Further, he was billed for January and February, 2015, under a policy that was not issued to him by the Exchange, which he inadvertently paid premiums against. Additionally, the member indicates that he has been unable to access the benefits of his coverage in 2015, although he has submitted payment. Therefore, the member is seeking a refund of his previously deducted premium payments for January and February, 2015.Health Republic can advise that after coordinating with the Exchange and further outreach to the member, we have modified to his effective date for plan year 2015, such that it is effective, April *, 2015, as requested. Accordingly, the member’s prior policy premium payments, in the total amount of $530.28, have been reallocated to align with his new effective date. Consequently, the member now has a credit balance of $142.27. The member has been contacted in confirmation of his updated enrollment date. Additionally the member now has full access to the benefits available under his policy of insurance.Health Republic sincerely apologizes for any inconvenience experienced by the member as a result of this issue. However, as the foregoing honors the member’s request we trust this will meet the member’s satisfaction.Respectfully, [redacted]

Review: I actually have problems related to customer service and billing as well.

As part of Obamacare, one must disenroll in a plan via the Health Exchange for their state by the end of the year. I disenrolled from Health Republic via the NY Health Exchange ("Exchange") on 12/**/14, to be effective on 1/*/15 (I have letters from the Exchange that evidence cancellation). Through serendipitous events, I found out on 1/**/15 that Health Republic still enrolled me in their plan and that they had no record that I cancelled their plan. I called the Exchange to confirm I enrolled in a new plan (that was not Health Republic) and received a confirmation number for my Health Republic cancellation. I called the Health Republic Billing Dept, gave them the cancellation number and was then told that they in fact did have a letter of cancellation and that it would be handled. Billing would send the information to Member Services, who would then disenroll me from the plan. The Health Republic rep did not know when the cancellation would go through because they were very busy with new enrollments.

Today (1/**/15), I called Health Republic to settle a separate billing matter and was told that I was still enrolled with them by the Exchange and there was no letter of cancellation sent to them by the Exchange. I again called the Exchange and confirmed that I was not enrolled with Health Republic. I called Health Republic again and told them that I am not enrolled and gave them the same confirmation number. I am told that the exchange sent them no letter saying I had cancelled my plan and that they will try to work on my cancellation as soon as possible. However, it was open enrollment time and that it was quite busy for them.

I have called the Health Exchange to complain as well.

This experience has troubled me deeply. Health Republic is concerned about getting more money from new enrollees than by the fact that I may be pursued for payment that I do not owe ( As of f 1/**/15, per my online Health Republic account, I was billed on 1/*/15 for $564.69). Reps have not told me the truth about my account either. I have spent too many hour thus far on the phone trying to handle this matter.

This type of business behavior is unethical and unacceptable.Desired Settlement: I would like a letter from Health Republic stating that my insurance plan has been cancelled (effective 1/*/15) and that I do owe a balance of $564.69.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: In mid Dec, 2014 I discontinued my health insurance with Health Republic effective Jan *, 2015, and received a letter from them confirming my cancellation. On Dec [redacted] I was charged 407.92 for January's premium. When I called on December [redacted] I was told it would be corrected in the first few weeks of January and I did not need to take any action. I called again in early February and was again told they would take care of it. My partner who had the same plan also had the same issue. He made a complaint to the Revdex.com and then received his money shortly afterwards. He was told that I would also receive my money, but I still haven't. How many people are in the same situation as us? Is complaining to the Revdex.com the only way to get your money back?Desired Settlement: Return my 407.92

Business

Response:

March*, 2015VIA WEB-SUBMISSION http://newyork.Revdex.com.org/respondThe Revdex.com [redacted]Re: Response to Complaint in the following matter:Revdex.com Complaint ID: [redacted]Dear Sir/Madam:Thank you for your inquiry in connection with the captioned complaint, Health Republic Insurance of New York (“Health Republic”) hereby responds to complaint ID [redacted], which the Revdex.com (“Revdex.com”), relayed to us on March *, 2015.Health Republic can confirm that the member was an active subscriber with us for plan year 2014. The member elected not to renew her membership for plan year 2015. Upon this notification Health Republic coordinated with the Exchange to terminate the member, effective, January *, 2015. During this time a premium payment had been inadvertently deducted from the member’s account. However, we can confirm a refund in the amount of $407.92 payable to the member was processed on March *, 2015 via [redacted]. Health Republic sincerely regrets any inconvenience experienced; however, we trust that the resolution meets the member’s satisfaction.Sincerely,Health Republic Insurance of New York

Review: I have been dealing with the member services group of Health Republic since Dec 14' I have opened 3 trouble tickets, have made at least 8 phone calls and several emails in attempts to straighten coverage and billing issues for my family. Each time I speak to someone they continue to tell me that one or the other of my two children have been termed for coverage because of lack of fixing a communication problem between Health Republic and the NYS exchange. I have been told on two occasions that the problem was fixed and I would receive ID cards for my children. I have had joint conversation with both a Health Republic service member and a NYS exchange representative in the same phone conversation telling me it has been fixed. to date I have not received a card for one daughter and have now been told the other daughter is termed. Today 3/**/15 I have called twice to [redacted] of Health Republic and have not received a call back. They have no issue taking payment for coverage yet I can not get ID cars nor acknowledgement from them to fix this issue.Desired Settlement: I would like Health Republic to get their act together and straighten out my family coverage and send ID cards.

Business

Response:

Dear Sir/Madam: Thank you for your inquiry in connection with the captioned complaint, Health Republic Insurance of New York (“Health Republic”) hereby responds to complaint ID [redacted], received by the Revdex.com (“Revdex.com”), which Revdex.com relayed to us on March **, 2015. The member enrolled for a policy of insurance with Health Republic, through the New York State of Health (the “Exchange”), effective, May *, 2014. According to the member he has been experiencing significant customer service issues with Health Republic, more specifically, he enrolled for a policy under which his two (2) daughters would be able to access benefits; however, although the member is current with his premium payments; Health Republic has been unable to establish current active status of his daughters under his policy to access benefits. Accordingly, the member would like a valid confirmation from Health Republic that his policy is currently covering both of his children and that member identification cards have been issued to them. Having completed our investigation, Health Republic can advise that one of the complainant’s children is currently a covered as a dependent under his family policy with Health Republic; while the other child is enrolled as a subscriber in a separate policy with Health Republic, through the Exchange effective January *, 2015. Health Republic can confirm that member ID cards were generated and mailed to the member, for his family policy on March **, 2015; additionally, ID cards were generated for the second child with respect to their separate policy on February **, 2015. Health Republic sincerely apologizes for any inconvenience experienced by the member in his attempts to confirm coverage of his dependents. However, we trust this response satisfactorily addresses the concerns raised by the member.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is not explained as to why it took 3 months and contacti g the Revdex.com before finally sending out my daughter's ID card.

Sincerely,

Review: I enrolled for the Affordable Health Care act back in Oct/Nov of 2013 for coverage to begin under Health Republic in January 2014. Unfortunately, due to financial issues, I was unable to pay the bill on time to be covered on January [redacted] and I was ok with that. I received a letter from them in February saying that my coverage had been cancelled and would need to re-enroll if I would like future coverage. I went back onto the Affordable Care Act website and re-enrolled before the March deadline to avoid any penalties. Shortly after that I received a bill from Health Republic saying that I still owed them money from January and February even though I received a letter from them saying it was cancelled. I called them to address the problem and they said they had no record of that letter and according to their records I was still enrolled and never cancelled anything. I tried to ask how I could go about just cancelling the coverage for the months of January and February and they said that they could not help me and to call the Affordable act number and they could help with the cancellation. This did not seem right to me at all but I called them and they of course said that they could not help me and it was up to Health Republic regarding billing issues. I continued to pay by bills during all this time, minus the month of January and February. I finally sent an email to them and threatened a Revdex.com complaint if they could not resolve this issue. I did talk with a customer service rep one last time a few months ago and they said they were forwarding my case elsewhere because according to her records my insurance had been cancelled back in January???? But she could not explain why I was still receiving bills and paying them. I recently logged onto my account on the site and see that I have a $600 (ballpark) credit on my account but I am no longer receiving any bills and have no idea if I am even covered at this point. Nobody has ever called me back.Desired Settlement: I want to be covered under a health plan dated back to March 2014 to the present and any bills before that to be removed/deleted

Business

Response:

[redacted]

Dear [redacted]:

Freelancers Health Service Corporation, d/b/a Health Republic Insurance of New York (the “Respondent”) hereby responds to the complaint filed by the “Complainant” received by the Revdex.com (“Revdex.com”), which Revdex.com relayed to the Respondent on June *, 2014.

COMPLAINT FACTS

1. According to the Complainant, she applied for a Health Republic policy of insurance sometime in or about November or December, 2013, for coverage effective, January *, 2014;

2. Due to financial constraints, the Complainant was unable to make her binder payment effectuating coverage for January *, 2014. Accordingly, the Complainant received a letter, sometime in February, 2014, from Health Republic, notifying her of the cancellation of her policy due to non-payment, and also advising that the Complainant had the ability to re-enroll before the end of “open enrollment”;

3. Acting on the contents of the aforementioned letter, the Complainant enrolled once again for a policy of insurance with Health Republic in advance of the deadline ushering in the end of “open enrollment” so as to avoid the penalty associated with foregoing insurance under the PPACA (Patient Protection and Affordable Care Act);

4. Sometime in March, 2014, the Complainant received a letter from Health Republic, informing her that she had an outstanding balance for January and February, notwithstanding that her policy was cancelled for non-payment for those months; and

5. After several attempts to resolve her billing and enrollment issues with Health Republic, without avail. The Complainant filed this complaint with the Revdex.com (“Revdex.com”).

RESPONSE

The following is a timeline with references to supporting documentation describing the matter and the steps Respondent took to ensure satisfactory resolution and communication thereof.

1. On June *, 2014, Respondent received the Complaint from Dispute Resolution Services (Revdex.com).

2. On June **, 2014, Respondent began its internal review and escalated this Complaint with Respondent’s Enrollment Specialist team, which confirmed the contents of the Complaint herein;

3. Based on the foregoing, the Respondent promptly advised its Enrollment Specialist team to effect the necessary changes to the Complainant’s record, in order to reflect an effective date of March *, 2014; further, to modify the Complainant’s billing record so that it coincides with the changes made to enrollment;

4. Health Republic can confirm that the Complainant’s matter was satisfactorily remediated on June **, 2014; and

5. The Complainant currently has an outstanding account for June, 2014. Should the Complainant have any other concerns she is invited to contact our member services Department at our toll free number ###-###-####.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: In May of 2015, I terminated my coverage through the exchange for Medicaid. The exchange indicated that Health Republic will waive my balance and zero it out, due to the income difficulties. I spoke with Health Republic, and the representative said just that (Reference Number, [redacted]). The representative said the balance will be written off once she submits the request and they receive termination from the exchange. She also said I will receive a letter in the mail indicating this. Today, on the [redacted] of June, I have not received the letter. As a result, I contacted Health Republic and they are refusing to write off the balance. This is after one of their representative and the exchange both said they will.Desired Settlement: I am requesting that my balance is written off, as it was promised.

Business

Response:

[redacted]Dear Sir/Madam:Thank you for your inquiry in connection with the captioned complaint ID. Health Republic Insurance of New York (“Health Republic”) hereby responds to complaint ID [redacted], received on June **, 2015 by the Revdex.com (“Revdex.com”).The member enrolled with Health Republic, through the New York State of Health (“Exchange”), effective, February *, 2015. The member terminated his policy, through the Exchange, in May 2015. The member avers the Exchange then informed him that Health Republic would waive the remaining balance outstanding against his account. Having completed our investigation, Health Republic can advise that the member filed several claims in May 2015; however, the member was not then paid through to May **, 2015. In order to access the full benefits of his policy for the requisite period, the member is required to cover the remaining balance outstanding against his account. The member was contacted on June **, 2015. Health Republic can now confirm that he has remitted a premium payment, which removed his outstanding balance. Therefore, the complainant’s coverage period now reflects as active from February *, 2015 through to May **, 2015. Health Republic apologizes to the member for the inconvenience experienced. Respectfully, [redacted]

Review: After two attempts contacting Health Republic at ###-###-####, I am attempting to resolve a complaint through Revdex.com. Prior to the December shutdown of HR, I had prepaid my account through December 2015. This is reflected as a credit on my last statements. To date I have not heard anything from the "back office" that was supposed to return my calls and let me know when I can expect a refund for December.Desired Settlement: I understand that HR is "winding down" operations but I need to be refunded for the amount I overpaid and is reflected (non disputed) on my final billing statement. I need a concrete solution and way to contact the company about this instead of being told the "back office" will call me back at some unknown point in the future.

Business

Response:

Thank you for your correspondence concerning premium payments remitted for health insurance coverage. Health Republic Insurance of New York (“Health Republic”) hereby responds to the complaint filed by the member via the Revdex.com (“Revdex.com”), which the Revdex.com relayed to Health Republic on January **, 2016. Health Republic can confirm that a refund of premium payments totaling $435.08 was issued to the member by check on January **, 2016, to the Saugerties address listed on file. If the member fails to receive the refund check within (15) business days, they are advised to contact [redacted] referencing the captioned Revdex.com case number.Respectfully,Member SolutionsHealth Republic Insurance of New York

Review: In December 2014 I called Health Republic inquiring how to cancel coverage as of 12/**/14. I was told to fax a letter with certain information and the cancellation would be processed. I asked the operator to verify that was all I had to do and I was assured it was. My January premiums had already been paid.

I followed their directions the next day. A few weeks later I received a bill for February. I called to say that I had cancelled coverage but they claimed that since I purchased insurance through the [redacted] that I would have to cancel through the state. In a conference call with the [redacted] and Health Republic the Health Republic representative kept insisting that the cancellation had to be processed through the state. The state representative insisted she had no idea what Health Republic was talking about since my coverage was through them. I had to stop payment on the February payment since they were going take the [redacted] transfer out. Finally the state issued an immediate cancellation to prevent Health Republic from containing this.

Now in February I receive a bill for the [redacted] rejection for a bill that should never have been processed.Desired Settlement: I would like an immediate refund of $271.36, my January premium, as well as a written apology from the company outlining the training plan they will use to prevent this from happening to other customers in the future.

Business

Response:

March *, 2015 VIA WEB-SUBMISSION http://newyork.Revdex.com.org/respond The Revdex.com [redacted] Re: Response to Complaint in the following matter: Revdex.com Complaint ID: [redacted] Dear Sir/Madam: Thank you for your inquiry in connection with the captioned complaint, Health Republic Insurance of New York (“Health Republic”) hereby responds to complaint ID [redacted] which the Revdex.com (“Revdex.com”) sent to us on February **, 2015. Health Republic can confirm that the member was an active subscriber with us effective, September *, 2014 who elected to remit premium payments via recurring [redacted]. On November **, 2014, following receipt of a [redacted] (the “Exchange”) transaction to renew the member’s policy for plan year 2015, we continued collecting premium payments via the same mechanism for the 2015 plan year. Health Republic has since coordinated with the Exchange to rescind the member’s 2015 renewal and as such, authorized a refund of premiums paid. The premium payment deducted from the member’s account for January 2015 has been refunded; and the premium payment deducted for February 2015, was stopped by the member’s financial institution and therefore voided by us. Health Republic regrets any inconvenience experienced by the member; however, we trust this solution satisfactorily addresses the member’s concerns. Sincerely, Health Republic Insurance of New York

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I recently became eligible and enrolled on my employer's health insurance, and needed to switch over. On February [redacted], 2014, I called Health republic Support number ###-###-####, to cancel my insurance with them. Their website has no option to do so - They would not let me cancel over the phone (if there is a reason for this I don't think it's ethical), instead they instructed me to send a signed fax to a number they provided to cancel. I did this the night of February [redacted], 2014.

On March [redacted] I had not heard anything from Health Republic. So I called in, the lady on the phone instructed me that they would create a case and look in to seeing if my fax had been received. On March [redacted] I had still not heard anything from them - So I called in again to try to make sure they had cancelled. This representative instructed me that because I had signed up through the health insurance market place I needed to cancel through the market place instead. Previously they told me I needed to send a fax.. On that date I removed my insurance from the marketplace in the best way I saw how.

Now come the [redacted] of March, I see a charge coming from Health Republic from my bank account. they had billed me for the next month (I assume April) already, Its possible I had singed up for autopay - however I had done everything in my power to cancel! So now I've paid for 2 months I should not have paid for.

Keep in mind the people on the phone told me not to worry, just not to pay my bills if they were unnecessary. But I'm filing this because this has been a very bad experience with the provider and the money has already been paid - I would like it back.Desired Settlement: The two months that Health Republic should not have collected from me of 110.58 twice for a total of $221.16. I would like a refund for this amount.

Business

Response:

[redacted]

Dear [redacted]:

Freelancers Health Service Corporation, d/b/a Health Republic Insurance of New York (the “Respondent”) hereby responds to the complaint filed by [redacted], (the “Complainant”) received by the [redacted] (“Revdex.com”), which Revdex.com relayed to the Respondent on April **, 2014

COMPLAINT FACTS

1. According to the complaint, the Complainant became eligible for coverage through his employer, and elected to terminate his coverage with Health Republic;

2. On February **, 2014, the Complainant contacted a Customer Service Representative (“CSR”) of Health Republic, and was instructed to send a fax registering his intention to cancel his policy. The Complainant acted in accordance with the instructions of the CSR and faxed in a notice to cancel his policy;

3. On March **, 2014, having heard nothing further from Health Republic, the Complainant again contacted member services and was informed by a CSR that his cancellation could not be located and that an investigation would be conducted to resolve the issue;

4. On March **, 2014, after Health Republic failed to follow up with the Complainant, the Complainant again reached out and was informed by another CSR that as he enrolled through the Exchange, termination of his policy must also be effected with the Exchange. The Complainant acted on the advice of the CSR and cancelled with the Exchange;

5. On March **, 2014, the Complainant discovered that Health Republic debited his bank account for March, and presumably April, 2014;and

6. As a result of the matters raised in paragraphs 1 through 5 hereof, the Complainant filed this complaint with the [redacted] (“Revdex.com”).

RESPONSE

The following is a timeline with references to supporting documentation describing the matter and the steps Respondent took to ensure satisfactory resolution and communication thereof.

1. On April **, 2014 Respondent received the Complaint from [redacted]).

2. On April **, 2014, Respondent began its internal review and escalated this Complaint with Respondent’s Enrollment Specialist team, which confirmed that member enrolled in the Essential Care Bronze plan, effective January **, 2014, through to termination on March **, 2014;

3. On April **, 2014, Health Republic’s Billing and Enrollment Team confirmed that the Complainant’s account had been paid in full through to April **, 2014, due to Health Republic’s ACH schedule of debiting a member’s account for the upcoming months premium on the **day of the penultimate month. Consequently, when the member’s termination arrived from the Exchange on March **, 2014, the ACH deduction for April was already triggered in Health Republic’s system;

4. On April **, 2014, having determined that the member’s plan ought to have been terminated on February **, 2014, Health Republic processed the member’s refund for the premium payment mentioned in paragraph 3 hereof;

5. Further, on April **, 2014, member services reached out to the Exchange to request a term date corresponding with the Complainant’s original and unchanged intention to terminate his policy effective February **, 2014;

6. On April **, 2014, Complainant’s refund for the month of March, 2014, was processed; and

7. On May **, 2014, Heath Republic confirmed that the refunds for the months of March and April, 2014, were accessible by the Complainant.

Consumer

Response:

[redacted]:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. All refunds were granted.

Sincerely,

Review: I was a member of health republic briefly while living in buffalo, new york, and subsequently moved to New Jersey at the end of January 2014. I have repeatedly received bills forwarded to my new address requesting that health coverage for february 2014 be paid. I informed Health Republic before my move of this, and I was told my plan was cancelled. Since then I have been receiving bills for the month of february 2014 ever since. I have phoned on two separate occasions to correct their records. Each time the employees assured me on the phone that I was correct, and that the bill was nullified, and yet each time I get another bill. I was assured during my latest phone call in august 2014 that management was informed and this issue was corrected. I have tried in good faith and with patience to resolve this, but I am very concerned that my credit score is being negatively impacted by this erroneous outstanding bill. I am writing this complaint because I just received a third bill requesting payment when I thought this issue was resolved. I did not record the person I spoke with the first time I called because I expected this would be resolved simply.Desired Settlement: Please inform me in writing and with an administrator's name that this issue is resolved and my bills have been cleared.

Business

Response:

[redacted] Dear Sir/Madam: Thank you for your inquiry in connection with the above referenced complaint ID. Health Republic Insurance of New York (“Health Republic”) hereby responds to complaint ID [redacted], received on May *, 2015, from the Revdex.com (“Revdex.com”). The member enrolled with Health Republic, through the New York State of Health (“Exchange”), effective, January *, 2014. The member states she requested termination of the policy in January 2014 due to relocation of the complainant’s residence from Buffalo, New York to New Jersey. Since enrollment and enrollment changes are done directly with New York State of Health we included review of their call history in our investigation. Neither Health Republic nor New York State of Health have record of phone calls from the member. However, Health Republic confirms that the complainant’s policy has been terminated retroactively to January **, 2014 and any outstanding balances have been removed from the policy. Health Republic apologizes to the member for the inconvenience experienced. Respectfully, [redacted] Health Republic Insurance of New York

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,