HealthMarkets Insurance Agency

In response to ***'s complaint, please e-mail E-mail to [redacted] directly and not health markets I am not associated with them and nor is this complaint:First I am very sorry for this experience because it is one I hear too often I want to clear up a few things said because I feel that [redacted] has had a terrible consumer experience, however I do not handle the billing, claims, or tax credit associated with the complaint and brokers for Health do not [redacted] CT does I also have no control once a consumer's account goes into an override status That means all transactions for the account go specifically through a resolution department that brokers have no way of handling or processing or knowing about mistakes if madeI also have other consumers who are experiencing the same type of issue with Healthy CT and [redacted] CT They are following a complaint process that [redacted] also needs to follow and he will have the option I believe of refund or having coverage reinstated As happens with many consumers of mine as well, by the time the consumers are reached out to by [redacted] or the resolution happens it is too late to make the situation right and consumers are left without coverage at important times So I will repeat that I am sorry for this experience because not having insurance when you paid for it and need it its frustrating.Some important points to this are that [redacted] paid all his premium and still does even though he does not have an active card There are only two ways to lose insurance through [redacted] and that is non-payment or not verifying income As long as [redacted] verified his income then there is a major problem with the way the enrollment by the resolution department was done Anything that [redacted] has said differently is not true, only two ways insurance can be cancelled With a lockout nobody can touch the account by that internal [redacted] CT department.I enrolled [redacted] while working in the call center for a third party of [redacted] CT At the time there were account problems, called an override as discussed, where enrollment is not possible from the broker or call center end So stating I changed plan or would benefit from that in any way is false I do believe that [redacted] was enrolled in the correct carrier with a matching premiumThese enrollments are all done over the phone and confirmation correspondence is sent from [redacted] CT and the insurance company of the plan name, plan type, premium, tax credit, and any verification documents needed This is required reading namely the verification documentsThe one thing I would question to [redacted] and I would not advise clients this is to "not to think twice about his plan" Looking over all the documentation, correspondence, and even I believe the medical ID card says bronze plan on it to ensure that because of the existing trouble before we spoke and I enrolled [redacted] the correspondence should have been reviewed With all that stated if [redacted] paid his premium every month and his verification documents were sent in correctly then he is owed an explanation for why his insurance was ever cancelled from [redacted] CT, this is the reason for the I can't help statementI also did a few hours of research during open enrollment instead of helping other new consumersI was on the phone with [redacted] and our last conversation they were re-enrolling him for 11/when they realized the call center could not do it because of the override I am not able to push through [redacted] CT resolution department issues although I feel badly for [redacted] because I feel he deserved a better consumer experience but the broker does not control billing and verification which are the only two things that can lead to a cancellation from [redacted] My understanding is that [redacted] will hear back shortly if he has not already directly from [redacted] CT please e-mail to E-mail to [redacted]

I cannot add anymore much more to the request and I believe it was closed as well Please close and do not use this e-mail addressThere is an established process for dealing with Access Health CT directly with them and I was on the phone with [redacted] discussing his options with Access Health CT call center prior to this complaint and they were going to re-enroll him which [redacted] requested however his account was locked This requires waiting for Access Health CT to review and remove I cannot make this process move fasterThis complaint cannot be assisted further on my end because verification documents were not sent correctly and I assisted [redacted] with resolution despite not having access to his account ***'s account was locked out again which means enrollment had to be handled by Access Health CT IRD internally, this happened previously as wellThis is not my process and I was never paid by [redacted] directly, also his hours on the phone and issues with Access Health are not uncommon and not a reason to not follow their process I also will not discuss further at this point because Access Health CT does have records of [redacted] and [redacted] also has an online account that confirms this I am not responsible for Access Health CT providing misinformation or not handling enrollment correctlyAdditionally because matching premiums are paid to the insurance company and multiple required documents confirming election and requesting verification documents were sent to ***, in addition to the enrollment matching my records I believe he was enrolled in the correct plan and there is little I can do at this point other than to recommend discussing with Access Health CT directly because of issues with the policy being cancelled and Access Health CT not correctly cancelling his plan with Healthy CT [redacted] does deserve this reviewed correctly by Access Health CTAccess Health CT has all calls recorded, and any discussion they do not know him or do not have these calls in my view is false.Again cancellation of this insurance is only for non payment or lack of verification documents [redacted] should be entitled to coverage reinstatement because he paid premiums on time and had his verification documents in correctly, or he should get a refund for the months his plan was cancelled because he paid premium incorrectly after cancellation since verification documents were not included which means he was disenrolled correctly That refund would come from Heatlhy CT, his insurance company, after direction from Access Heatlh CT.Thanks

HealthMarkets Insurance Agency (HMIA) is in receipt of your July 8, inquiry regarding the abovereferenced customer.Our understanding from Ms [redacted] 's complaint is that someone used her phone number to inquire abouthealthcareShe states she is not the right contact and would like the phone calls to stopMs [redacted] states she has received over phone calls and text messages over the past daysShe requested tobe removed and tried to explain this is the wrong number.According to our records we received a lead from a third party (QuoteWizard) on July 1, indicatingthat this customer was interested in obtaining insurance coverageWe are able to track our leads to see ifand how many times a customer may have been called by an HMIA agentWe were able to locate onetelephone call placed by an HMIA agent on July 8, There were no other records.We would like to explain there are websites (not affiliated with HMIA) where you can inquire aboutinsurance coverage and when a customer uses one of these sites their lead is sold to multiple agencies.In these cases the inquiry is received by a lot of agents which is the reason for so many phone calls.We have placed Ms [redacted] on our company Do No Call fist in order to prevent any further activity fromHMIAWe would like for Ms [redacted] to be aware that she will likely continue to receive calls from otheragents not associated with HMIAShould you have any questions regarding this matter you may contactme directly at ###-###-####, via fax at ###-###-#### or via email at [redacted]

[redacted] information was provided to by a lead vendorIt appears she went on line a filled out her information to be contacted by a BrokerLooking through our records it show we received this information from two different vendor on separate occasionsWhich would indicate that she filled out a request on multiple sitesWe show a total of three different contact were made with [redacted] ***We have gone in our system and removed all her informationShe will receive no further contact from usWe have o control if other companies call, as these leads are resold many time over

HealthMarkets Insurance Agency (hereafter referred to as "HMIA") is in receipt of your July 2, 2015correspondence addressed to HMIA regarding the above referenced fileThank you for the opportunity toassist you.Mr [redacted] states the company is using deceptive internet advertising creating the illusion that it isAnthem Blue Cross Blue Shield in order to solicit private confidential personal informationMr [redacted] states the company is using several shadow companies to disseminate private confidential personalinformation which he states is generating numerous unsolicited and harassing calls and emailsMr[redacted] states that there is an agent that represents themselves in Parker, CO and Greenwood Village,CO and that the company is using a local telephone number for two different agentsMr [redacted] statesthe company is using multiple numbers driving unsolicited harassing telephone calls.With regards to the agent representing themselves in more than one city, please understand when anagent is licensed to sell in a particular state they have the ability to sell in that entire state and are notlimited to a specific cityHMIA agents are self employedSome agents have their own store front/agencythey work from and some may work out of their homeMr [redacted] did not provide examples of the 800numbers he references so it would be hard to address thisThere are many agents that choose topurchase numbers as a convenience to the customer.In order to investigate the allegations regarding deceptive internet advertising and the use of shadowcompanies we will need for Mr [redacted] to provider more informationSuch as the source and or internetsite and what lead him to these conclusions

We take our customer's experiences with our agents very seriously Thank you for giving us the opportunity to correct any dissatisfaction that you felt in dealing with one of agents It is our understanding, at this point, that you have been contacted by another HealthMarkets agent and are now satisfied with your health insurance coverage We appreciate all of our customers and are happy that you were able to work with our agent with a beneficial result

HealthMarkets Insurance Agency, Incis a distribution organization that contracts with several insurance companies and connects them with self-employed licensed insurance agents to market insurance products.HealthMarkets takes concerns of our clients very seriously and we appreciate the opportunity to address any dissatisfaction you may have had with an agent It is our understanding from agent, [redacted] ***, that she contacted you recently regarding the co-payments and utilization of doctors and your concern has been addressed to your satisfaction If that is not the case please let us know If your concerns have been addressed we are glad to hear a satisfactory resolution was obtained and again we appreciate the opportunity to address the issue Sincerely, [redacted] , HIASenior Agency Audit and Oversight Specialist Agency Standards Unit HealthMarkets Insurance AgencyLife | Health | Medicare | Long-Term Care

HealthMarkets Insurance Agency (HMIA) is in receipt of the complaint from the above referencedcustomer on May 19, 2016.Ms*** states she has reviewed our response and that this does not resolve her disputeShestates she signed on with lnsphere Insurance Solutions in January and while studying for herstate insurance license, she was instructed by *** *** to cold call small businesses to setappointmentsShe states that Mr*** said he would go with her and pitch the sale and advised hershe would receive half of the commission which she believes is rebating since she didn't get herlicense until April She states when she advised Mr*** in February that she hadpurchased an annuity in December 2012, he told her he had one that would pay her a 5% bonus andif the policy hadn't been delivered to her yet, she could "take advantage of the free-look period" andrefuse the annuity and transfer it to lNG.Ms*** states she has em ails to show where she asked for two annuitiesMs*** statesshe has checks made out to lNG that were dated May 3rd and *** failed to deposit the moneyinto lNG in time for the 60-day windowShe states Mr*** instructed her to move her money fromher IRA and K and put them into her checking account and let them sit there for days.Ms*** states there is a lot more to her story that *** has not shared with HealthMarkets.She states she is in receipt of an email dated February 15, where she asked Mr*** whetheror not we sold annuities as her friend was retiring and wanting to move some of her moneyMs.*** states *** is confusing the issues and the people and the progression of the eventsMs.*** states she specifically requested that the annuity be indexed against the S&P and Mr***agreed to this; however, when she received her first statement in May she saw that it wasindexed against the LiborShe states in emails to Mr*** she confronted him about themisrepresentation of the index and states he lied and said that lNG only did that with IUL's and thenlater retracted and she had to reach out to lNG to request the change be made.Ms*** states she will not be sharing any documentation with lnsphere at this time andexplained it has all been sent to the Department of Financial Services.Heal1hMarkets Insurance Agency is the d/b/a or assumed name of lnsphere Insurance Solutions, Incwhich islicensed as an insurance agency in all states and the District of Columbia.With all due respect it is hard for us to investigate this further without reviewing the documentationMs*** has referencedOur assumption is once the Department of Financial Services receivesher information they will reach out to us if necessary.Should you have any questions regarding this matter you may contact me directly at *** *** *
*** *** ** *** *** ** *** *** ** ***

HealthMarkets Insurance Agency (HMIA) is in receipt of your May 19, inquiry regarding the abovereferenced customer.Our understanding from Ms***'s complaint is that on May 8, she inquired about insurancecoverage through our company's website and as soon as she completed the form the
calls and textsbegan to come inMs*** states she did not wish to speak to anyone over the weekend and that thevolume of calls and texts over the next days became overwhelmingShe states she decided not to haveany future dealings with a company such as thisShe is ignoring the phone calls, blocked them, andresponds to the texts asking that they quit harassing herMs*** states she is still receiving +phone calls per day from all over the countryShe states she called their customer service number andhad to leave a message telling them to stop calling her.We were not able to locate any records showing Ms*** requested information through our website.We did receive a lead from a third party (AIIweb) on May 15, showing that this customer wasinterested in obtaining insurance coverageWe are able to track our leads to see if and how many times acustomer may have been called by an HMIA agentWe were able to locate a telephone call placed by anHMIA agent located in Ohio named *** ***He called on May 15, and left one message.There are no other records showing a call was placed to Ms*** by an HMIA agent.We would like to explain there are websites (not affiliated with HMIA) where you can inquire aboutinsurance coverageWhen a customer uses one of these sites their lead is sold to multiple agencies.This lead is received by a lot of agents which is the reason they receive so many phone calls.We have since placed Ms*** on our company Do No Call list in order to prevent any future calls fromHMIAWe would like for Ms*** to be aware that she will likely continue to receive calls from otheragents not associated with HMIAShould you have any questions regarding this matter you may contactme directly at ###-###-####, via fax at ###-###-#### or via email at ***

HealthMarkets Insurance Agency, Incis a distribution organization that contracts with several insurance companies and connects them with self-employed licensed insurance agents to market insurance products HealthMarkets takes the concerns of our clients very seriously. We work with
our Independent Agents and the customer to facilitate an amicable resolution if possible, when misunderstandings occur. HealthMarkets contacted the agent who was willing to reimburse the amount Ms*** requested in order to resolve this issue Ms*** accepted the reimbursement offer We appreciate the opportunity to contact Ms*** regarding this issue and that a favorable outcome was reached Regards, *** ** *** Senior Director, Agency Standards HealthMarkets Insurance Agency Health | Life | Medicare | Long-Term Care

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
I have great newsIn my attempt to get some sort of help or response from HealthMarkets, I contacted a different agent *** ***She phoned me the next day and has been wor**ng very diligently with me since thenShe promptly got me the coverage I needed in an extremely professional mannerI waited until the process was complete to actually close this complaintWhat had taken me a month to attempt to accomplish with my other HealthMarkets broker (** who has yet to contact me at all), was completed beyond my expectations in just business daysI would definitely recommend *** *** to my friends and family and will close this case with confidence.Thank you for doing what you do Revdex.com!Regards,
*** ***

HealthMarkets Insurance Agency (HMIA) is in receipt of your March 29, correspondence regardingMrs*** rejected response.Mrs*** states her agent, ***l *** advised her (through text messages) the reason he claimedsuch a low income was so that the ***' could obtain a government subsidyShe included copies of thetext message between her and MrHart.We reviewed the copies of the text message submitted by Mrs***; however, we did not see one thatincluded the text message above so we reached out to Mrs*** to see if she could provide thisMrs.Avalos said that she was unable to locate that exact text and mentioned she had recently changedphones.We reached out to Mr*** for additional information as wellMr*** states he did advise the Mrs.Avalos the subsidy was based off the income submitted and the family sizeHe states Mrs*** didask him why she had to send in information regarding her income, and that he told her she had to haveproof of income in order for to continue receiving the subsidyMr*** states the pay stubs Mrs***sent to him were just for her and that he submitted those pay stubs to the Health Insurance Marketplace.We are aware of other cases where the Marketplace discovered a discrepancy by comparing thehousehold income amount reported on the application with the household income amount reported on theprevious tax filing yearIn these cases the Marketplace requested proof of income in order to determinewhat the eligible government subsidy would be, if any.Please understand there is no way for us to determine exactly what was discussed between Mrs***and MrHartWe do regret any inconvenience this has caused Mrs***Should you have anyquestions regarding this matter you may contact me directly at ###-###-#### , via fax at ###-###-####or via email at ***

Complaint: ***
I am rejecting this response because:Good Afternoon, I appreciate the responseHowever I specifically recall informing *** *** that the Bronze plan is not the plan that I wanted to enroll inI understand insurance and how more coverage is the best option despite not needing it at the timeI am still unsure as to why I was placed on the Bronze plan without my consent. I also understand that there is a complaint process that I need to followHowever whenever I speak with either parties involved it seems as if no one has recollection of speaking with me. Sincerly,*** ***

Complaint: ***
I am rejecting this response because:No resolution has been completed, and as of yet, I have not yet received anything in regards to a reimbursement. What I did receive was an email notice stating that the business was following up with legal to determine any next steps. I also received a voicemail from Will from healthMarkets, stating that I was sent forms to sign, however I have not received those, and I responded via voicemail that I had not received anything other than the email notice (see attached). I am still waiting on follfrom both sources of contact
Regards,
*** ***

Complaint: ***
I am rejecting this response because:The offer is in the form of a legal settlement in exchange for signing away my legal right and privilege, as opposed to a refund which I am owed for a service requested and agreed to but not provided.Please see both the legal documents sent to me, and my emailed response
Regards,
*** ***

I first became aware that Mrs*** needed insurance when I originally received a lead from an online referral source LeadAmp as she had went online and completed a form seeking coverage options on 9/23/ I reached out to Mrs*** and had numerous conversations with her over the course
of the following daysWe discussed multiple options including options from different carriers and presented plans from the Healthcare.gov marketplace which would fit her budget and healthcare needsAfter in depth review of different plans, Mrs*** chose a plan on 9/26/within her budget thru the marketplace based on her personal provided information, a plan which covered her doctors in network and additional supplemental plans which included accident and cancer policies to accompany her basic health which are provided through a different companyALL plans sold thru the marketplace estimate in the income and household size for each client during the application process and apply the subsidy amounts (if eligible) against each individual's monthly premium to offset the costNO plans are sold with subsidies to assist with offsetting premiums thru any other source which is exactly what makes that policies sold thru the marketplace feasible for millions to obtain coverageI do not project, nor have the ability to know each individual's annual income for their coverageThis is an area which is ALWAYS verified by the marketplace and requires documentation to be submitted to verify that each individual is receiving subsidies that they are eligible for and coincide with what is reported to the IRSAfter entering income information provided by Mrs***, the application for coverage with subsidies was processedIf an error or omission was made here from what was discussed from Mrs***, it was purely by mistake and during the final review should have been corrected once all application details were reviewed with the client prior to signing of the application online It is made very clear throughout the application process that this information is going to be requested for verification and documented proof of this income would need to be submitted by Mrs*** within the day time frame or coverage is subject to full premium or cancellation Once an application is processed thru Healthcare.gov the client receives emails direct to their own email account from the marketplace which indicates that proof of income will need to be submitted, indicates the subsidy that each client is entitled to based on income reported, etc The healthcare.gov emails are sent throughout the entire process of the application and are sent for security purposes to ensure that our clients know exactly what they are expected to provide and that an account is created, changes are made, etc...agents/brokers do not have access to these emails nor can they stop them from being sentEvery attempt is made at ensuring all clients/individuals are involved in the process and aware of information being enteredAt any time during these emails that were sent directly to Mrs*** during the process of the application or after submittal, Mrs*** could have questioned any part of the process and we could have removed the application, changed information or reviewed everything in depth I in no way, intentionally entered information as there is absolutely no benefit to myself or my valued client to err in the application process or it creates issues with application processing, coverage and confusionI tried to assist Mrs*** once she indicated in March of that she needed to report a change of income but did not receive response as she chose to file complaints with Healthcare.gov, HealthMarkets Insurance and the Revdex.com instead of allowing me to try to resolve the issue previouslyI eventually did get an email from Mrs*** indicating everything I did wrong, however, was never given the opportunity to remedy the income issue for her as she cancelled her coverageEvery effort has been made to provide Mrs*** exceptional customer service, quality coverage at an affordable price and I am sorry that she is ultimately unhappy but feel I did everything possible with information given to assist with her coverage applicationsHer application was accompanied by emails from not only myself but also from Healthcare.gov indicating the subsidy and information required, but also emails direct from Chesapeake Life, her supplemental policy carrier; if there were questions or concerns they could have been addressed immediately without any adverse effects for Mrs***, myself or the agency I represent At this time, Mrs*** is seeking payment for the difference in premium for what she is not eligible for subsidy due to the difference in income reporting and a complete refund of her supplemental policies prior to her cancellationEach parent company respectively is looking into this matter as I do not collect premiums for the carriers, she has paid the carriers directly for coverage during effective dates

HealthMarkets Insurance Agency (HMIA) is in receipt of the November 17, request regarding the above referenced complaint.In Ms*** complaint she indicates that she noticed an overdraft on her bank account and found a debit from The Chesapeake Life Insurance Company (Chesapeake) in the
amount of $She states after further research she was able to find this debit was for health insurance and that this draft had been occurring since October 22, Ms*** states that she doesn't have any correspondence from Chesapeake, Surebridge or HealthMarkets and was told by a Chesapeake representative that *** ** was her agent and that there was a verbal signature on file for this insuranceMs*** states she would have never answered a phone call from an unknown number and would not have authorized a direct depositAdditionally, Ms*** *** states that when her partner contacted Chesapeake on her behalf that he was given a lot of her personal protected information without her authorization.Please allow us to explain *** ** is an agent that is employed with HMIAAccording to our records Ms*** contacted our HMIA telesales center by telephone and spoke to Mr** on October 19, We listened to the recorded telephone call; Ms*** advised Mr** that she had lost her job and was looking for insurance coverageMr** sent over coverage options for health insurance with Humana and supplemental coverage with Chesapeake which included a Hospital Confinement and Cancer policyMr** explained Ms*** would have to complete applications, one for Humana and one for ChesapeakeMr** advised Ms*** the cost for the Chesapeake insurance would be $plus a one-time application fee of $Ms*** told Mr** that she would like to apply for the coverage and then she completed the voice signature call.We would like to further explain that HMIA would not have sent correspondence to Ms*** with regards to the insurance coverage, this would come directly from the carrierAdditionally, HMIA would not have access to the details of the phone calls placed to any of the carriers, which would include the phone calls Ms*** partner made to ChesapeakeOur understanding from Chesapeake is that they also received a Revdex.com inquiry regarding this matter and they will be responding to these allegations separately. Should you have any questions regarding this matter you may contact me directly at *** ***, via fax at *** *** or via email at ***. Respectfully,*** ***Senior Agency Compliance AnalystCorporate Compliance

Please check your records, HealthMarkets.  I did not sign on with [redacted] until 1/2013.  While studying for for my state insurance license, I was instructed by [redacted] to cold call small businesses to set appointments, which I did with great relish.   [redacted] said he would go with me and pitch the sale and I would receive 1/2 of the commission; I believe this is called rebating in retrospect as I did not get my license until 4/2013.     When I shared with him in February of 2013 that I had just purchased an annuity in 12/2012, he told me that he had one that would pay me a 5% bonus and if the policy hadn't been delivered to me yet, I could "take advantage of my free-look period" (the first time I heard the term) and refuse the annuity and transfer it to ING.  This was the beginning of the debacle.   I did not ask for two annuities and have emails to show for this.  The checks I made out to ING were dated 5/3 and [redacted] failed to deposit the QUALIFIED MONEY into ING in time for the 60-day window.  He also instructed me to move my monies from my IRA and 401K and put them into my checking account and let them sit there for 60 days.  I had to keep going to him as I was worried about the 60-day window.  I knew that much.   There is a lot more to my story that [redacted] has not shared with HealthMarkets.  There are many untruths in [redacted]'s account of when they were rolled over and what was represented and suggested and how.  I am in receipt of an email dated 2/15/13 to [redacted] where I asked whether or not we sold annuities as my friend was retiring and wanting to move some of her money.  [redacted] is confusing the issues and the people and the progression of events.   This matter has not been litigated yet.   I specifically requested that the annuity be indexed against the S&P and [redacted] agreed to do so.  When I received my first statement in 5/2014, I saw that it was indexed against the Libor.  Seriously?  I had not heard of the Libor until then.  London, really?  0 interest by the way for anyone considering indexing anything against the Libor.  In emails in 2014 to [redacted], I confronted him about the misrepresentation of the index and he lied and said that ING only did that with IUL's.   He later retracted his lie, and I had to reach out to ING to request the change be made.   This whole debacle with [redacted] was an abuse of power.  Who in their right mind would agree to transfer money knowing they were going to get hit with a $22,000 tax bill the following year?    I know seasoned agents who were shaking their heads watching this annuity debacle go down.  Shame on him.  There are reasons why the annuities were set up the way they were and it had nothing to do with fiduciary duty.  This was all about [redacted].   To set the record straight, I was not terminated, I resigned, finally.   The term "Chicken Hawks" was thrown around by the men in power at [redacted] with much laughter.  I learned the hard way what that meant.   [redacted] made two sizeable commissions off the back of a 56-year old hardworking woman who was instructed to cold-call small businesses by using an internet library list, yes library list, and set appointments (without my license) and so on and so on.   I will not be sharing any documentation with Insphere at this time.  It has all been sent to the Department of Financial Services.  Hope it was worth it, [redacted].  Shame on you again.

[redacted] information was provided to by a lead vendor. It appears she went on line a filled out her information to be contacted by a Broker. Looking through our records it show we received this information from two different vendor on separate occasions. Which would indicate that she filled out a...

request on multiple sites. We show a  total of three different contact were made with [redacted]. We have gone in our system and removed all her information. She will receive no further contact from us. We have o control if other companies call, as these leads are resold many time over.

HealthMarkets Insurance Agency (HMIA) is in receipt of your July 8, 2016 inquiry regarding the abovereferenced customer.Our understanding from Ms. [redacted]'s complaint is that someone used her phone number to inquire abouthealthcare. She states she is not the right contact and would like the phone...

calls to stop. Ms. [redacted]states she has received over 30 phone calls and 3 text messages over the past 5 days. She requested tobe removed and tried to explain this is the wrong number.According to our records we received a lead from a third party (QuoteWizard) on July 1, 2016 indicatingthat this customer was interested in obtaining insurance coverage. We are able to track our leads to see ifand how many times a customer may have been called by an HMIA agent. We were able to locate onetelephone call placed by an HMIA agent on July 8, 2016. There were no other records.We would like to explain there are websites (not affiliated with HMIA) where you can inquire aboutinsurance coverage and when a customer uses one of these sites their lead is sold to multiple agencies.In these cases the inquiry is received by a lot of agents which is the reason for so many phone calls.We have placed Ms. [redacted] on our company Do No Call fist in order to prevent any further activity fromHMIA. We would like for Ms. [redacted] to be aware that she will likely continue to receive calls from otheragents not associated with HMIA. Should you have any questions regarding this matter you may contactme directly at ###-###-####, via fax at ###-###-#### or via email at [redacted].