IHC Health Solutions

[redacted] [redacted] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait until for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] ***

In regard to the above-captioned consumer complaint, this response is submitted on behalf of Standard Security Life Insurance Company of New York, NAIC ***According to our records [redacted] secured a coverage under a short term medical expense insurance plan under a group policyIHC Health Solutions, Incis the third-party administrator ("TPA")IHC Carrier Solutions provides legal non-TPA management functionsMr [redacted] coverage was effective August 23, through March 11, 2015.Please be further advised that the claims referenced were suspended pending the completion of medical review, including reports from the [redacted] Despite attempts, Insured did not supply the Hospital's requisite authorizations and thus delaying and ultimately preventing complete claims review per the terms of the Certificate.In consideration that the Insured has not provided a duly executed release and authorization naming the Revdex.com as privileged to receive further information related to its short term medical expense insurance plan, a detailed reply will issue directly to complainant-the Insured's spouse [redacted] .Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.The representative from company is not addressing why they drafted my account on July for a premium on an account that was cancelled in March, claiming 'No account found.' So how did they all of a sudden locate my account now? I have no problem showing where they drafted my account $on July but when I called in, reps claim they cannot give me any written confirmation that it will not happen again in the future Regards, [redacted]

Please don't get a health insurance policy with this companyI had it from 7-to 1-and they paid nothing towards any of my health care needsThey classified it under pre- exsiting conditionThat is how they get out of paying a billThey take your money but never cover any expensesStay clear of this company, look elsewhere for medical coverage

I received your reply that it appears from consumer that this is not resolvedYes, I'm fully aware of thatI refer you to the statements in the correspondence, that there is no HIPAA authorization on file to disclose consumer's insurance matters to Revdex.comI also stated that upon completion of the review into the inquiry a separate detailed response will be sent directly to MsMessick Respectfully yours, Wendy P [redacted] Compliance Specialist Legal Department

Careful with this company, they will tell you what you want to hear to get a sellI was buying health, vision, and dental from this company which is what we discussed over the phone only to find out they only sold me health, life insurance, and cancer insuranceWTFAfter calling to cancel the policy I was bullied and threatened to be fined if I did not stay with this policyNeedless to say after being bullied and disrespected on the phone I cancelled the policy IHC Health Solutions are liars and scammers, stay away!!!!

Dear Conciliation & Engagement Specialist:Reference is made to your correspondence dated May 25, regarding the above.Thank you for sending this matter to our attentionPlease be advised the company takes these matters very seriousCorrespondence has been sent to the complainant and we intend to resolve this matter accordingly.Regards, Terri AM [redacted]

Dear Dispute Resolution Consultant:This is in response, on behalf of Standard Security Life Insurance Company of New York (“Standard Security”), to your correspondence dated August 10, and received August 11, According to our records Ms [redacted] purchased a group short term medical expense insurance planThe non-employer group policyholder is the Communicating for America, Inc., (the “Association”)The group policy is sitused in Washington, D.Cand is underwritten by Standard SecurityThe group policy is individually marketed to members of the Association and each enrollee receives an individual Certificate of Insurance (“Certificate”) itemizing their benefits, terms and conditions of the group short term medical expense insurance planIHC Health Solutions, Incis the third-party administrator (“TPA”)IHC Carrier Solutions provides legal non-TPA management functionsMs [redacted] coverage was effective December 1, Ms [redacted] is requesting assistance as to payment of her claims.Please be advised that Ms [redacted] also submitted filing with the Arizona Department of InsuranceThe Arizona Department of Insurance informed Ms [redacted] of the need to complete the insurance company’s appeal processMs [redacted] has separately filed an appeal with the internal appeal department under cover of correspondence dated August 10, We similarly request that the Revdex.com allow for the completion of this process as well.Please be advised that the information contained herein is meant to be responsive to your inquiry on behalf of the insuredIt is not meant to constitute or be construed as a waiver of any other defense available to the insuring carrierThe insuring carrier expressly reserves all rights to assert any provision, limitation or defense provided for under the Policy and/or applicable lawShould you have any further questions, please contact this office

I would like to ad that, since I filed this, I reviewed my bill with my dentist's officeWhen I made the complaint I saw, per my bill, that this insurance company had paid for my preventive workWhen I said that during my call to the company, they said they did pay this ($100) but they don't pay for work done subsequent to the prevention work and it was a six month waiting periodWhen reviewing this with the dental office, I found out that this current company did NOT pay that preventive work/ $It was my FORMER dental insurance company, ***, that paid itSo, while I was complaining about the fact they didn't cover my dental work, they lied to me about covering the preventive workThey didn't pay for that; my former insurance didTherefore, I would like this company to pay my bill and cover the dental work I had done per the agreementI was willing to forgo that and just ask for a refund of my insurance payments, but, since they lied to me while I was complaining to them (!!!), I want them to pay for what they contracted for; the coverage of the dental work I had done

In regard to the above-captioned consumer complaint, this response is submitted on behalf of *** *** *** *** *** ** *** *** *** ***According to our records *** *** secured a coverage under a short term medical expense insurance plan under a group policyIHC
Health Solutions, Incis the third-party administrator ("TPA")IHC Carrier Solutions provides legal non-TPA management functionsMr***'s coverage was effective August 23, through March 11, 2015.Please be further advised that the claims referenced were suspended pending the completion of medical review, including reports from the *** *** HospitalDespite attempts, Insured did not supply the Hospital's requisite authorizations and thus delaying and ultimately preventing complete claims review per the terms of the Certificate.In consideration that the Insured has not provided a duly executed release and authorization naming the Revdex.com as privileged to receive further information related to its short term medical expense insurance plan, a detailed reply will issue directly to complainant-the Insured's spouse *** Ann ***.Sincerely,*** ***

Please see the attached correspondence.
Thank you

This company is a scam! I purchased a plan while on the phone with the agent The next day I got an email telling me that they have gone green so you have to go to their web site and download your ID card and policy infoTrouble is that there is no where to register on the web site they give youSo, I call the customer service (lol) number they provided in case you have a problemEither you are on an eternity hold, or someone answers, takes your name and number, and no one calls you back Plus, you need your policy or ID number to correspond with them or to cancel the policy of which you cant get until you download it from their web site, of which cant be done Luckily, I put my monthly payment on a credit card so all I did was to dispute the charge and then put a block on them preventing future charges I then received a different email stating that I had purchased life insurance with an undetermined amount to be charged to that same credit card I called this company and they said it came from IHC alsoBut they did hear me out and canceled that policy and removed my credit cardCheck out insurance companies before you purchase it over the phone!

The Madison compliance office contacted me within hours of my complaint to Revdex.com, and shortly after that advised me that IHC had pulled my claims out of their "process" and had acted upon themI was sent a statement on August promising payment and a check for a full settlement was supposedly
issued on AugustIt has yet to arrive as of August, however, and I meanwhile received a form letter from IHC dated August stating that my "appeal" had been received and would be consideredI have made no appeal, as my claims have never been denied or otherwise acted uponThe IHC letter made no specific reference, but evidently was referring to my Demand Letter dated AugustI am guardedly optimistic that the check settling my claims from January and April will arrive soon, but IHC's terrible record to date does not inspire confidence.*** ** *** ***
Lexington, VA

Dear Sir or Madam,
A copy of the complaint assigned the aforementioned ID was referred to this office for a response
IHC Health Solutions is a third party administrator of dental insurance The company received an application with bank account
information for premium payment via *** Dental coverage was issued effective May 1, and premium for the month of May was drafted from the account provided.
Since Ms*** states she did not authorize the bank draft her coverage has been cancelled back to her effective date and premium is being refunded
*** ***
Compliance Specialist
IHC Carrier Solutions
Member of The IHC Group
###-###-#### tel
###-###-#### FAX
cid:[email protected]

Please see attached document

VIA Revdex.com PORTAL Member of The IHC Group March 31, 2016Arizona Revdex.com Northern & Western Arizona Grove AvenuePrescott, AZ RE:Dear Dispute Resolution Consultant:In reply to the notification dated
and received November 24, regarding the above-captioned complainant ID, please be advised that the consumer has not executed a HIPAA release and authorization that names the Arizona Revdex.com as an authorized party to receive information as to the complainant’s insurance coverage.Therefore, please be generally advised that the premiums are billed and collected per the insurance products purchased by a consumerUpon completion of review and inquiry into the matters alleged a separate detailed response will issue directly to the consumer.Please be advised that the information contained herein is meant to be responsive to your inquiry on behalf of the insuredIt is not meant to constitute or be construed as a waiver of any other defense available to the insuring carrierThe insuring carrier expressly reserves all rights to assert any provision, limitation or defense provided for under the Policy and/or applicable law.If anything further is required, please contact usSincerely,Wendy P***Wendy P*** Compliance Specialist Legal DepartmentCc: Via Certified Mail *** ** *** *** ***
*** ** ***

Please see the attached responsePlease be further advised that a detailed reply will issue to the Insured

I was with this company for almost a year They never wanted to cover any medical expenses I had some kidney stones that gave me a problem, I had er visits due to pain, then I had to be admitted to the hospital to have them taken care of twice The insurance company is saying that they wont cover anything due to pre existing condition which if anyone knows anything about kidney stone, they are hereditary and you keep getting them
I paid my bills on time, and I want them to pay my bills that I have sucks that you cant trust a simple insurance company when you need them someone help us out with this company They say I have to file an appeal, but they took six months or more to even say they didn't want to cover anything sucks now im in debt

VIA Revdex.com EMAIL- [email protected]
May 6, 2016Revdex.com Serving Central ATTN: Conciliation & Engagement Specialist Nlih StreetPhoenix, AZ 85014RE: Revdex.com Id
# *** Dear Conciliation & Engagement Specialist:Reference is made to your correspondence dated May 4, regarding the above.Thank you for sending this matter to our attentionPlease be advised we take these matters very seriousWe will contact the insured directly and resolve this matter accordingly.Kind Regards,

In regard to the above-captioned consumer complaint, this response is submitted on behalf of Standard Security Life Insurance Company of New York, NAIC [redacted]. According to our records [redacted] secured a coverage under a short term medical expense insurance plan under a group policy. IHC Health Solutions, Inc. is the third-party administrator ("TPA"). IHC Carrier Solutions provides legal non-TPA management functions. Mr. [redacted] coverage was effective August 23, 2014 through March 11, 2015.Please be further advised that the claims referenced were suspended pending the completion of medical review, including reports from the [redacted]. Despite attempts, Insured did not supply the Hospital's requisite authorizations and thus delaying and ultimately preventing complete claims review per the terms of the Certificate.In consideration that the Insured has not provided a duly executed release and authorization naming the Revdex.com as privileged to receive further information related to its short term medical expense insurance plan, a detailed reply will issue directly to complainant-the Insured's spouse [redacted].Sincerely,[redacted]