Ideal Concepts, Inc.

To Whom It May Concern: We have reviewed the recorded sales call between *** *** and her agent and have found no wrongdoing by the Independent agent who assisted her. The agent advised *** that she didn’t qualify for a subsidy for an ACA plan and that she also did not
qualify for underwritten plans outside of the MarketplaceThe agent suggested Medicaid, but *** told him she has tried that in the past and did not qualify for that either. The agent advised *** that SureMed is a guaranteed issue product that he could beef up benefits on and explained all the discounts and the one insurance benefit she would have access to through her SureMed membership, which was Hospital Indemnity insurance. He explained that this was just a little coverage to help out until she could get on Medicaid or some other coverage. After explaining the hospital indemnity benefit, *** repeated back to the agent her understanding that she would pay the doctor and then get a cash-back benefit from SureMed, which is accurate. The agent then also reviewed with her all the discount benefits with SureMed, like dental, vision and pharmacy discounts, labs and imaging discounts, and the *** feature that would give her access to speak with a licensed physician over the phone 24/with no copay and they can diagnose and write her a prescription over the phone if necessary. The client had a full understanding of the plan when she enrolledBefore enrolling *** into SureMedthe agent completed a confirmation script with her that required her to affirm her understanding that SureMed is not major medical coverage, and she stated “yes” We find that the agent explained SureMed properly, confirmed the client’s understanding of the benefits, and obtained her consent to enroll before signing her upGiven the client’s full understanding while on the phone with the agent, it is confusing that the client now feels that the plan was misrepresentedWe confirmed that the client did not call SureMed to submit any claims on the Hospital Indemnity benefit, so if the client’s concern is that the plan never paid her, it’s because she did not file a claim to indicate that she was owed a cash benefit for the Hospital Indemnity coverage Sincerely, Case Management Team

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***If I understand this they have refunded my moneyIt has not hit the bank as of todayI was not informed of any kind of registration fee until I called letting Stacy that I had changed my mind and to cancel my depositThat's when I was told that she couldn't return it because it is a registration fee I've never heard of a registration fee to get dental insuranceI don't want anything else. *** ***

From: complianceDate: Wed, Aug 16, at 10:AMSubject: Revdex.com ID ***To: *** *** Cc: compliance Dear *** ***, We faxed in a response last week in regards to this complaint
The fax said it went through successfullyThe response is attached above, if that is alright. Thank you. Best Regards, Compliance TeamIdeal Concepts, [email protected]: ***

June 19,2015To Whom it May Concern:This letter is a response to the complaint filed by *** *** *** visited iWebQuoies.com and requested someone to contact himOne of our representatives attempted to reach out to him several times with no successWhen *** was finally
reached, he was upset and asked us to no longer call himWe honored this request by listed his phone number on the do not call listSincerely.John P

To Whom It May Concern: While we are sorry to hear that the client’s spouse is not well, and that she has been feeling overwhelmed by this process, we unfortunately do have to disagree with the client’s complaintWe have reviewed the sales call and the follow up call with the client and agent, and
found that the agent was thorough and did not rush the clientShe had a steady even tone with the client, and checked to make sure the client agreed and understood the information, and the client agreed to everything that was sold and also thanked the agent for her time at the end and told her she did a great jobAfter the sale, the agent also sent the client an email breaking down all purchases and costs, so we show that the agent was very thorough and compliant in every wayThe agent did explain that the *** membership would provide her dental and vision and that would be $a month, and she told the client that her health insurance with *** would be $The client said she understood this, and she did agree to thisOn the follow up call, the client asked where she can go to look up her doctors, and the agent told her where she can go to get that informationAgain, the agent recapped what the client had purchasedThe client did not show any confusion or misunderstandingIn the initial sales call, the agent read a verification script at the end of the call, and in that, the agent recapped the coverage, terms, cost and effective dates, and the client said ‘yes’ throughout the script, understanding and agreeing to everythingIn regards to ***, part of the script stated “All membership and enrollment fees are non-refundableIf you understand and agree to these payment terms please state yes…” And the client did state yes The email after the sale reiterated this information as wellBest Regards, Compliance Team

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:I have a voice recording of the sale and when discussing with Jason E***t, it was suppose to be superior to *** Health and it looks like they won't refund any of my funds...also, they have NOT provided any support in resolving this matter The statement attached is a statement protecting their end but NOT assisting me in this matter, as I filed a complaint with them directly.Revdex.com, please give me direction to file an official complaint in Insurance scam
Regards,
*** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

September 2016To Whom it May Concern;We are in receipt of the letter dated on 09/35/in regards to a complaint that was filed against iWebQuotes Once the letter was received we immediately researched the name associated with the complaint.At iWebQuotes, we regularly receive requests
for health and life insurance quotesEvery attempt is made to provide exceptional service to each potential clientOur call logs are monitored to ensure that our agents are providing clients with this type of service.On August 18, 2016, we received this lead through our in house systemOur agents attempted to reach this client a total of nine timesOnly once did the phone call go to voicemailOur agents were not able to connect with this client at allSince the client never connected with any of our agents, we were not informed to stop making the phone callsHowever, since the receipt of this letter, this client has now be added to the do not call list with our company.Sincerely,John P.President

August 21, 2017Dear [redacted],This response is a second follow up on complaint ID [redacted]. While we do our best to try and resolve every client's concern, it does not seem like this is possible on this case. At this point, there is nothing further that we can provide to resolve the client's concerns.We did not receive a direct complaint from the client. Our Compliance Team only learned of this compliant through the Revdex.com.I understand the client said that the plan "was supposed to be superior to [redacted] Health..." and he is still looking to get a refund on most or all of his funds, but the client had material at his disposal showing that this was a Short-Term plan. Also, Short-Term medical plans, does not mean that they are inferior to other insurance carriers. Short-Term medical only means that they have a specific end date, and they are not compliant with the Affordable Care Act plan. Since the client enrolled in coverage outside the open enrollment period, this is what was available to him. The plan benefits may have very well been more superior to [redacted] Health, but it depends on what the client is specifically referring to,Thank you.Best Regards,Compliance Team

July 29, 2016 To Whom It May Concern;  We are in receipt of the letter dated on 7/25/2016 in regards to a complaint that was filed against iWebQuotes.  Once the letter was received we immediately researched the name associated with the complaint.  At iWebQuotes, we regularly...

receive requests for health and life insurance quotes.  Every attempt is made to provide exceptional service to each potential client.  Our call logs are monitored to ensure that our agents are providing clients with this type of service.  On July 21st, 2016, our agents attempted to call this particular client three times to provide the requested quotes.  On the third attempt, we placed this client on the do not call list.  This action was completed 30 minutes after we received her request to receive a quote.  Once the client was removed from our call list, our agents have not made any further phone calls to the client.  Moving forward, we will continue to honor the clients with to not be called by iWebQuotes.Sincerely,John P. President

To Whom It May Concern:Although the client's voicemail did not state that she wanted to cancel her membership, we understand the client's intention, by leaving a voicemail, was to cancel prior to renewal. It is stated on our website under membership terms that a 3-days prior notice is required to prevent charges, but we have made an exception, and refunded the member the renewal charge for the month.Sincerely, Case Management Team

To Whom It May Concern:We can understand how this situation may be frustrating to the clients involved, so we do apologize for any confusion. However, our compliance team did review the sales calls and found that the agent did not say it was required to have dental and vision with their major...

medical. The agent said he was bundling [redacted] (major medical) with SureMed as the supplemental policy. The client said that sounded like a good deal after the agent explained it. The agent did read a mandatory verification script, explaining what the client was getting. The script also included the disclosure that the enrollment fee for SureMed was nonrefundable and also required to get an affirmation from the client agreeing to the terms of each of the policies. The client did agree verbally to all statements. Thank you. Sincerely, Case Management Team

To Whom It May Concern:  According to the call records with the SureMed membership, the member originally called on 1/5/2018 in regards to an overdrawn bank account. SureMed removed the payment method per client request until he could figure out what happened. Later on that same day, he...

spoke to his agent giving the ok to re-add the payment method and then retry the payment for the SureMed membership. There were no other calls until 2/5/2018 around 12 PM, when the client called to cancel his membership. Billing had already taken payment of the monthly $40.00 charge as of 9 AM that morning. Membership terms state that SureMed “cancellations must be received 3 business days prior to bill date to avoid payment from being processed.”  This client called to cancel after the monthly bill had already charged. If a member calls to cancel on their bill date, the membership is canceled immediately, however any transactions that have already processed to the bank are irreversible since membership terms state “All payments are non-refundable, including enrollment fees and monthly charges.” The client’s membership then continues until their paid-to date, which is based on payments received. In this case, this client’s membership ends on 3/4/2018.  Although he states in his complaint that he left a voicemail, phone reports have been reviewed and there are no calls from this member besides the calls on 1/5/2018 and 2/5/2018 and both were answered by our representatives, with no voice mails left.  We are unable to refund this member for any past charges.  His account is now cancelled and as long as he does not reactivate his membership, nothing further will charge.Best Regards, Case Management Team [email protected]

August 18, 2016To Whom it May Concern;We are in receipt of the complaint filed on 8/9/2016 with the Revdex.com. against IWeQuotes. The complaint number is [redacted].IWebQuotes receives daily requests for Health and Life insurance quotes through our in house site. Any leads received are...

never resold by us to any outside company. Every attempt is made to provide exceptional service to all potential clients. Each phone call is monitored to ensure that our agents are providing these clients with this type of service.On August 8th at 4:02pm, Eastern Standard time, we received a request from the client that submitted the complaint. At 4:02 and at 4:07 two separate agents attempted to connect with this client. The conversation that occurred at 4:37 lasted 2 minutes and 27 seconds. During this conversation the agent removed the client's phone number from our call list as well as placed her on the do not call list with our company. Once her information was removed, our agents have not made any further attempts to contact this client. Moving forward, we will continue to honor the wishes of this client to no longer be contacted by IWebQuotes again,SincerelyJohn P. President

To Whom It May Concern,This client has now been issued a full refund for his SureMed plan. The refund previously issues was for the 8 months the plan was active at $40 per month, the amount of the membership that was unusable in Maine. An additional refund was issued today for the remaining portion...

of the plan. Best Regards,Elizabeth S[redacted]Case Manager SpecialistPhone #: 610-740-0007Fax #: 610-740-0092 [email protected]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  HOWEVER, I would like this complaint to now be on file and I would like you to know that I have answered about three of the calls that they logged. After letting them know that I asked to not be contacted again, they still did. Since then, I have placed the number on my 'block list'. The last call I received from them was 9/21. 
Regards,
[redacted]

I am rejecting their response because it is not accurate or true. I have received over 20 calls from this company many of them after I requested to be added to their no call list and they stated that I was added to the no call list in their response. I have attached some call logs to show that their response is not true and to also show the calls I continue to receive. I can provide you with my entire call log from 4/3/17 if needed and I also have reason to believe some of the other calls on my log from different area codes are related back to this same organization. Please DO NOT provide them a copy of the call list that I have attached because of the other personal phones calls listed that I do not want made available to a possible scam.
 Complaint: [redacted] 
Regards,
[redacted]

To Whom It May Concern: We wish that we can resolve the client's issue, but in this case we cannot. The client claims that the company, SureMed is a scam, which it is not. It is a legitimate company that offers a variety of products to help supplement other coverage. On 7/24/2017, the client...

spoke with his agent 6 times, and agreed to the policy terms. The agent read a verification script requesting affirmative responses from the client in understanding what he was signing up for. The agent said that with SureMed there is a one time non-refundable enrollment fee of $20, with a $20 monthly fee. The first month is $40, and then $20 thereafter, to which the client did agree. The client called and spoke to SureMed today, 8/25/2017, and requested to cancel the policy and requested a refund. It is policy that if a client wants to cancel, they can do this any time, but if they call on or after the billing date, they are covered for that month, and the next billing cycle, which in this case would be 9/25/2017, the coverage will terminate and no more payments will be taken out.  Thank you. Best Regards, Compliance Team Ideal Concepts, [email protected] Fax: [redacted]

In reference to Revdex.com Complaint ID: [redacted]-the reason the client has not received a response from her agent [redacted], is because he is no longer captive with our agency. Therefore, he would have not known that the client was trying to get a hold of him. In reference to her complaint about her insurance company, she has [redacted] short term medical plan. This is a legitimate insurance. We have contacted the client as of 578/2017 and left a message for her, so that we can help her find a provider in her area and to assist in any way we can in regards to her coverage.Best Regards,

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. The money was refunded, but I did have to fight for it. The current response from [redacted] is appropriate. My issue should not have been ignored by [redacted] when I brought the fraudulent behavior of the broker to their attention. Thank you, Revdex.com for being a tremendous consumer resource.
Regards,
[redacted]