Patriot Health, Inc.

Dear [redacted],
 
When a member signs up for a membership they have to do a
voice verification and it is clearly stated  that there is a $99.95 nonrefundable
enrollment fee. However we are always careful to listen to our members and take
/>
consideration on the situation. [redacted] did not express any concern about the
nonrefundable enrollment fee,  We were unaware of complaint.  After careful review we have refunded [redacted]
[redacted] back her Enrollment fee of $99.95.  Please let me know if you have any further
questions.
 
Sincerely,
 
[redacted]

Dear [redacted],We were sorry to hear that [redacted] was not happy with the membership plan that she purchased.  We have reviewed her file and see that [redacted] signed up for an Optimum One Health plan on 01/**/2015 with a effective date of 02/**/2015. She also opened an...

Optimum One Health Plan for her Son [redacted] on the same day with the same effective date. Our company has a30 day refund policy so that a member has plenty of time to review their materials and see if the membership is going to fit their needs. [redacted] called into our office on 02/**/2015 to cancel  membership for both plans, we processed the cancellation for her immediately and we refunded all monies back to her account. We did this same process for her son [redacted]. Please see time line below[redacted] – Start date 01/**/2015 – effective date 02/**/2015 – cancellation date 02/**/2015  - paid $882.50 on 01/**/2015 refunded $882.50 on 02/**/2015[redacted] – Start date 01/**/2015 – effective date 02/**/2015 – cancellation date 02/**/2015  - Paid $337.50 on 01/**/2015 refunded $337.50 on 02/**/2015We have attached the refund receipts for you.  We do not understand why [redacted] would need to request her monies be returned when we refunded to her upon her request. Again we were sorry that the membership did not meet her needs but feel that we did accommodate [redacted] request in a very timely manner.Thank you for the opportunity to address this matter and should you have any questions please do not hesitate to contact me at ###-###-####, Extension [redacted]. Sincerely,
[redacted]

Hi [redacted],
I was unable to attched the voice verification to this electronic response. I have sent the voice verification to you by email and addressed it to [redacted] and  [redacted]  Please let me know when it is received.
Thank you,
[redacted]

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 and the matter has been resolved.
Sincerely,
[redacted]

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 and the matter has been resolved.
Sincerely, [redacted]

Revdex.com:
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:

Once again, Patriot Health does NOT provide medical services in Arizona, this was known to their sales agent who did not inform us.  What we received in the Mail and on the website is not relevant.
Is it not fraud to sell a service you do not provide? (paperwork and online lookups are NOT health care)
My wife [redacted] DID call and cancel 5 days after purchasing the policy, then when she called after they billed our credit card anyway; they said they
had "no record of that call" yet both I and my daughter were sitting right next to her when she made the call to cancel.
The difference in the $1200 is due to the Life insurance policy that Patriot Health led us to believe was needed in order to qualify, ([redacted]).
If they are not affiliated then why are they sold together?  Is that not dishonest if not illegal?  Unrelated but the "LIFE" insurance would not pay if one dies of natural causes????
I have in the meantime filed a complaint with the Insurance commissioner in New York, Florida, and Arizona, as well as the FTC. 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Dear [redacted]
We were sorry to hear that [redacted] was unhappy with the membership that she
purchased. I have carefully reviewed her file and see that she signed up for a
[redacted] membership underwritten by [redacted]....

  [redacted]
became effective on July **, 2014. When a member signs up for a membership they
must do voice verification and they must agree to the fact this is not a major
medical plan and that there is a 30 day wait period. We show that [redacted]
signed into her email fulfillment and view her benefits on July **; July **;
and Aug *, 2014. Member has 30 days to review the plan and decide if they want
to keep the membership. If member is not happy and decides to cancel within
that first 30 days we do refund the member the first month’s dues. [redacted]
did make two payments, each payment in the amount of $177.55 and was not charged
an enrollment fee. The total amount paid was $355.10.   Our
Goal is always to help a member and hope that they are satisfied.  We will be refunding [redacted] in full. Again
we are sorry that the membership did not work for her and we wish her all the
best.
 
Sincerely,
 
[redacted]

This company tried to charge me non-refundable enrollment fees prior to allowing me to view the insurance plan. The supervisor informed me I would not be charged anything until I viewed the plan, but during the verification process she gave me numbers to CX (too quickly) and my card would be charged today. I halted the process, the supervisor George got back on the line and I told him he did not tell the truth and he tried to tell me that wasn't what he said. He hung up on me. I am watching my credit card to ensure they don't charge me anything or mishandle it in any way.
I am very well educated on health insurance, not saying they don't provide good insurance, but they were not truthfull or disclose all limitations of the plan until after they take your credit card info.

Dear [redacted],I have review this members complaint and see that the member signed up in Sept. of 2014. Member did access all her information and was aware of her benefits. We are sorry that [redacted] is not happy with the dental discount portion of the plan. It is stated that the...

members must stay in the dental  network in order to benefit from the discount. For the dental portion of the plan there are no out of network benefits. We have canceled the plan as per the members request  and as a  courtesty we have refund the member her last months paymnet of $364.55. We did try to contact the member to see if there was anything that we could do for her but she has not responded. Please let me know if there is anything else that we can do to help.Sincerely,[redacted]

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 and the matter has been resolved.
Sincerely,
[redacted]

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 and the matter has been resolved.  Thank you so much for your assistants in this above matter it is greatly appreciated. The money has been returned as far as I can tell.
Sincerely,
[redacted]

Review: I am having recurring charges coming put on my checking account monthly for 8 months. totaling $2,417.20 when I was not even aware that I had health coverage. I called and talked to a woman who said she could not even find myself or my husband in her system. "so I asked how am I paying for something and they don't even have us covered" she told me there is nothing she can do. I would like my money refunded. I have not even received insurance cards for this insurance I may, or may not have.Desired Settlement: I should be refunded the full amount.

Business

Response:

Dear [redacted],

I have reviewed this member's complaint and I show that the member signed up for the USA Select Choice plan on 02/**/2013. Her member ID # is [redacted]. I show that her file is under [redacted] not [redacted]. This may be the reason that a customer care representative was unable to find her in the system. I see that the [redacted] became effective on 02/**/2013. She opened a family plan that included a spouse [redacted] DOB 01/**/1978 and dependent children, [redacted] DOB 05/**/2009, [redacted] DOB 11/**/2011 and [redacted] DOB 03/**/2001.

I have attached the voice verification of [redacted] agreeing to join the membership plan.

Looking over the member screen I see that on 02/**/2013 the member did register online to view her account and print her membership cards. On this same day she called the customer care department to inquire about a family doctor and called later that day from a providers office to find out how to process claims. she was told at that time that there was a 30 day waiting period for indemnity benefits but that she would receive a discount (medical re-pricing) for the visit (I have attached a screenshot of members screen for you.)

On 02/**/2013 I see that the member signed in online and printed out her Brochures, plan overview pocket guide and a accident medical expense form.

On 02/**/2013 member called customer service department looking for providers. On this day [redacted] a customer service representative emailed a list of providers to the member at the email address of [redacted] answered that email with concerns about the plan. As you can see the member signed the email [redacted] and included her membership number. The customer representative [redacted]s responded to her saying, "If you would like a customer service representative to go over your plan, please contact us at [redacted]." (attached email document for you.)

On 02/**/2013 [redacted]s called the member and left a message for her to contact us to review the plan. She was following up from the members email. Member did not respond to us.

On 03/**/2013 a letter was sent to the member stating that there was a benefit change.

With regards to [redacted] ([redacted]) stating that she was unaware that she has any coverage and is requesting a full refund, Our company feels that [redacted] was very aware because she contacted our office and corresponded through email with a customer service representative. We feel that there should be no refund due to her.

Please feel free to contact me if you require any further information.

Regards,

Review: [redacted] IS A SCAM!

CONSUMERS BEWARE!

[redacted] is a scam, a fraud, that should be taking seriously by the authorities.

I enrolled with a sales person over the phone, he asked me how is my health, I said I am pretty healthy, but I INFORMED him that I do go to my doctor for my [redacted] once a month. He said I am the 'perfect candidate' for this policy, it's PPO for people like me - healthy, who doesn't go to the doctors very often.

When I got the letter from [redacted], they have three phony names- [redacted] (freedom series) - stating that ''Mental /Emotional disorders are not covered''. Naturally I called them, they said they there's a 30 days waiting period before they would cover any medical bills, yes, they took my money doing absolutely nothing for that ridiculous policy the 30 day waiting period? And she said that [redacted] is considered to be covered by the policy, so I didn't cancel at that time.

Of course this month I got the same letter stating that ''Mental /Emotional disorders are not covered''.

They took about $500 from me in two months, and above that I now owe my doctor $170 for the visits.

I hope people will take actions against such dishonest business practices, help spread the words, and protect consumers' rights!

[redacted] is a scam, a fraud, that should be taking seriously by the authorities.

I enrolled with a sales person over the phone, he said me how is my health, I said I am pretty healthy, but I TOLD him that I do go to my doctor for my [redacted] once a month. He said I am the 'perfect candidate' for this policy, it's PPO for people like me - healthy, who doesn't go to the doctors very often. When I got the letter from [redacted], they have three phony names- [redacted] (freedom series) - stating that ''Mental /Emotional disorders are not covered''. Naturally I called them, they said they there's a 30 days waiting period before they would cover any medical bills, yes, they took my money doing absolutely nothing for that ridiculous policy the 30 day waiting period? And she said that [redacted] is considered to be covered by the policy, so I didn't cancel at that time.

Of course this month I got the same letter stating that ''Mental /Emotional disorders are not covered''.

They took about $500 from me in two months, and above that I now owe my doctor $170 for the visits.

I hope people will take actions against such dishonest business practices, help spread the words, and protect consumers' rights!

We all know that how vulnerable and infuriate feelings are! Let's stop the greedy criminals who sucked millions of dollars from hard working people.Desired Settlement: I would like [redacted] to refund all the fraudulent charges.

Policy # [redacted]

Business

Response:

Dear [redacted]

We were sorry to hear that [redacted] was unhappy with the membership that she

purchased. I have carefully reviewed her file and see that she signed up for a

[redacted] membership underwritten by [redacted]. [redacted]

became effective on July **, 2014. When a member signs up for a membership they

must do voice verification and they must agree to the fact this is not a major

medical plan and that there is a 30 day wait period. We show that [redacted]

signed into her email fulfillment and view her benefits on July **; July **;

and Aug *, 2014. Member has 30 days to review the plan and decide if they want

to keep the membership. If member is not happy and decides to cancel within

that first 30 days we do refund the member the first month’s dues. [redacted]

did make two payments, each payment in the amount of $177.55 and was not charged

an enrollment fee. The total amount paid was $355.10. Our

Goal is always to help a member and hope that they are satisfied. We will be refunding [redacted] in full. Again

we are sorry that the membership did not work for her and we wish her all the

best.

Sincerely,

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: The company misrepresented their offer as complete insurance, We cancelled 5 days later (We have the names of both people we spoke to at [redacted].

After cancelling the "insurance" 5 days later they have since billed my American Express card twice. We called and were told there's nothing they could do and we were out of pocket the full $1200 dollars.Desired Settlement: A full refund of the $1200 dollars they collected from my American Express card

Business

Response:

Dear [redacted],

We have received the complaint from [redacted] and have reviewed the members

file.

The file is under [redacted] ID #[redacted].

Member opened the file on 04/**/2014 and the membership became effective on

05/**/2014.

We emailed all member information to [redacted]

at the time of purchase.

We also mailed (USPS) the member fulfillment kit to her on 05/**/2014 and it

was not returned from the post office nor did we hear from

the member stating that she never received her fulfillment.

On 05/**/2014 the member [redacted] registered online and viewed her

information, Please see screenshot that is attached.

On 06/**/2014 our billing department received a chargeback from the member’s

credit card company American Express.

The card member claims to have not received their good/services.

Our billing department responded and I have attached all that information for

your records.

On 06/**/2014 American Express found that we were not in fault and reversed the

chargeback.

On 06/**/2014 the member called into the customer stated that she called the

agent [redacted] on 05/**/2014 to cancel the plan.

The agents are not in our office and all members are always directed to cancel

with us. All cancellations are done in our office and we received no calls to

cancel this plan.

It is our policy that all cancellations are made here and must be made in

writing or member can do a voice cancellation recording.

Members have 30 days from date of purchase to cancel their plan and receive a

refund.

Our cancellation policy is stated at the time of purchase on the voice

verification and it is made very clear to member and they have to agree to it.

I have attached the voice verification for you to review.

It is also stated in all our materials.

The member states that he is out of pocket $1200.00 as you can see from the

billing statement that I have attached the member made two

payments. On 04/**/2014 a payment was made in the amount of $447.50 and on

06/**/2014 $422.55, these two payment total $870.05. We are not sure where the

member is coming up with $1200.00.

We are sorry that the membership was not for them but, we have clearly provided

all the information to the member.

Please feel free to contact me if you require any further information.

Sincerely,

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:

Once again, Patriot Health does NOT provide medical services in Arizona, this was known to their sales agent who did not inform us. What we received in the Mail and on the website is not relevant.

Is it not fraud to sell a service you do not provide? (paperwork and online lookups are NOT health care)

My wife [redacted] DID call and cancel 5 days after purchasing the policy, then when she called after they billed our credit card anyway; they said they

had "no record of that call" yet both I and my daughter were sitting right next to her when she made the call to cancel.

The difference in the $1200 is due to the Life insurance policy that Patriot Health led us to believe was needed in order to qualify, ([redacted]).

If they are not affiliated then why are they sold together? Is that not dishonest if not illegal? Unrelated but the "LIFE" insurance would not pay if one dies of natural causes????

I have in the meantime filed a complaint with the Insurance commissioner in New York, Florida, and Arizona, as well as the FTC.

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

Sincerely,

Business

Response:

Hi [redacted],

I was unable to attched the voice verification to this electronic response. I have sent the voice verification to you by email and addressed it to [redacted] and [redacted] Please let me know when it is received.

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:

I have not yet received my refund. The Broker, United Health Association, called and tolde me that we would receive a full refund because he had been contacted personally by the Insurance commissioners in New York and Arizona. I called them back after seeing [redacted]'s response and then they explained that it is PATRIOT insurance that actually took my money and that the paperwork from the broker has not yet reached PATRIOT. I DO NOT accept the response, I was told by the salesman that this was AHCA approved which is false all the doctors I contacted did not know anything about the "plan", I cancelled 5 days later and you say you have no record, well American express will tell you that we disputed the charge they returned our money then you took it out again, the fact we disputed the charge to Amex should be enough to show that someone on your side is lying about having "no record" of the cancellation, or the service person who took our call simply lied to us. My wife who was the chump in all this is a bit senile and was taken advantage of. If you [redacted] yourself this is what pops up:

Top 5 Reviews of Patriot Health Insurance[redacted]

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

Sincerely,

Review: Was told by sales man I could see any doctor or dentist I wanted and that's not the case

Every time I see a dentist I get turned away. I was told I could choose a dentist I've been to 4 different ones!! I now have a tooth that needs a [redacted] and is killing me but I can't seem to find a dentist that takes this insurance. This is very upsetting especially since I'm in quite a bit of pain.Desired Settlement: I feel lied to and would like to cancel my insurance inpay almost 400 a month and can't get the services I need. And now I am going to have to get new insurance so that going to be more money!! I just need to be able to take my self and kids to a doc or dentist when need be and not be told my insurance isn't accepted every time thank you

Business

Response:

Dear [redacted],I have review this members complaint and see that the member signed up in Sept. of 2014. Member did access all her information and was aware of her benefits. We are sorry that [redacted] is not happy with the dental discount portion of the plan. It is stated that the members must stay in the dental network in order to benefit from the discount. For the dental portion of the plan there are no out of network benefits. We have canceled the plan as per the members request and as a courtesty we have refund the member her last months paymnet of $364.55. We did try to contact the member to see if there was anything that we could do for her but she has not responded. Please let me know if there is anything else that we can do to help.Sincerely,[redacted]

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 was conta**ed immediately by an [redacted] at [redacted] after going on a website (which I do not recall) in trying to find a health insurance broker. We are going through a foreclosure and just filed for bankruptcy so we really needed advice on inexpensive insurance. This guy called me saying he was an independent insurance who represents all the major insurance companies but no one a**ual agency in particular. That he is "licensed" in ** and knowledgeable on all matters of health insurance (or whatever). I began telling him our situation and opened with our financial difficulties (specifically with the bankruptcy and foreclosure) so he began telling me about Short-Term insurance plans a "Houston Casualty Program" and gave me a detailed list of pricing. He told me about a discount program he had found that is called Patriot Health or Patriot Health Florida where you can save between 5% and 50% on doctors visits in your area. Tiered dentists visits that cost nothing, urgent care co=[ay of just $50 for the actual visit, deductible would be waved though.... very detailed. The "Premiere Plan" was $40 a month but there was a one-time sign up fee of $20-$30 dollars. I signed up and remember his name was somewhere on the sign up page. I gave them all of our basic information- I think ages included and our Visa number. I believe $69 was taken out of my account. That was Friday (July [redacted]). Today, after calling various eye doctors and gynecologists to set up appointments for myself I realized no one had heard of this Patriot Health Discount program. I gave them my member ID and the toll-free line to call to see if I qualified. None of them got back to me today, however one thing was consistent- no one had heard of it before. [redacted] did not have any business that he was attached to (or had signage for at the bottom of his emails) because he was an "independent broker". I did call the toll-free number and a lady on the phone answered my question.Desired Settlement: $70 refund.

Business

Response:

Dear [redacted],

I have reviewed the complaint letter and the members file. The member did purchase a discount membership on 07/**/2014. The member did successfully register on line and was able to view all aspects of his plan. we are sorry that the member did not call the customer care department to help in locating a provider. This discount plan has several diffrent networks. so if member wanted to see a medical provider they would have to stay in the Mulitiplan network. If the member wanted to see a dentist he would have to stay ing the Dental Directory service network. Each type of provider has it's own network. The member was giving the providers a group name and not a network name and that is where the confsion came in. All the networks are listed on the members card. The member did contact us on 07/**/2014 and stated that there was not enough savings and we canceled the plan and refunded him in full. The member was refunded $69.88 back to the CC ending in [redacted].

Please let me know if there is anything else that you need.

Sincerely,

Review: I am writing this in an effort to get a refund on my policy ([redacted]) premium as the sales person that contacted me advised that this policy included health and dental insurance. I had been looking for insurance online with the Obomacare website down and that is how he said he got my information. He quoted me a price, but when I asked if it included dental coverage, because my daughter needs braces. He said it didn't, but offered me a new price that he advised would include dental - covering 60%. However, I went to a dentist in their network and was advised by the dentist that my insurance card didn't include dental insurance coverage. So I hope you will check the recorded call when I purchased this coverage to confirm that I was lied to. I am looking for a refund as the sales person lied to me in an effort to secure a sale for insurance, with the deadline a few weeks away, in addition to a $150 one time fee that I wouldn't have paid if I was provided honest information to my questions. Sincerely, [redacted]Desired Settlement: January premium $360.55December Premium $360.55November Sale $495.55Total: $1216.65

Business

Response:

Dear [redacted],

We tried to reach the member [redacted] a few times during the week of Feb [redacted] We only has one number ###-###-#### for him and we left messages. We wanted to let [redacted] know that we were refunding him in full and say that we were sorry that the membership did not suite his needs. The membership does include Dental discount services and the member can save up to 60%. I have attached the refund receipts for your records. please feel free to contact me if you have any questions.

Review: I purchased service from company for discount prescription program on February **, 2014. They told me I had 30 days to try the plan risk-free. I found I had no use for the plan, it did not change the price of my prescriptions. Today, March [redacted] 2014 I requested to cancel as today is day 30 of my supposed risk-free trial. I was told over the phone I would not receive a full refund of the $35,64 even though I didn't use the service during the risk free trial and they had charged my card again on March **, 2014, for the next month another $35.64 prior to the 30 day supposedly risk-free trial ending for a total of $71.28. I am terminally ill, I can not afford to be giving money away to sham companies that can not deliver a 70-80% discount as promised on the meds I specifically said I needed the discount on. They lied from the get go about what their company prescription drug plan can do for me.Desired Settlement: I would like my $71.28 refunded to my amex used to purchase the useless prescription drug plan.

Business

Response:

Dear [redacted],

I have reviewed [redacted]'s file. We apologize for any inconvenience to the member as she was correct. She was due a full refund. I have attached the refund receipts for you. Members refund went directly back to her American Express Card ending in [redacted]. we have reprimanded the customer service rep and retrained her so that this error does not happen again. We wish the member the best and apologize.

Sincerely,

Review: In October, 2014, I informed Patriot Health that I no longer wished to participate in their dental discount plan as my dentist no longer participates. I was told at that time that my account would be closed. Despite this, I was charged $12.88 in October, November and December. In December, I contacted [redacted] and contested the charge. In January, 2015, I was informed by [redacted] that the matter had been resolved in my favor; however, Patriot Health again charged my card $12.88 in January. I view this as an unauthorized charge since I had revoked my authorization to this company.Desired Settlement: 1. I want my plan canceled immediately and I want it in writing that the plan has been canceled.

2. I expect a full refund of $25.76 (to cover the amount I was billed and I paid in October and November, 2014 AFTER I informed them that I wished to cancel

3. I expect the January charge to be reversed by January **,2015 when my account closes for the month

4. I want a written statement from Patriot telling me that I will not be charged in future months

Business

Response:

Dear [redacted],We have reviewed [redacted]’s file and see that there has never been a request to cancel this plan. [redacted] accessed his file online to make a payment on 11/**/2014. We also see that on 01/**/2015 the member updated his billing information himself through online access. We have attached the member screenshot for you to see. We also checked all our files and reports and do not see that member put in a complaint with [redacted]. If [redacted] would have contacted us we would have canceled his plan immediately. The members plan is now canceled and we are going to refund the member back as per his request. We are sorry for any mis-understanding and wish the member would have just called into the customer service department to resolve this matter. This member will no longer be charged going forward. The member will see the refund on his [redacted] card ending in [redacted] in 3 to 5 business days. We hope that this resolves these issues and that the member is satisfied. Please let us know if there is anything else that we may do.Sincerely,[redacted]

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: charges on my credit card not authorized in the amounts of $470.55 and $60.00

On 10-*-2014 I agreed to purchase :

Signa Multi Plan PPO

Blanket Group Ins Plan (40,000 member group)

underwriters: Freedom Life

confirmation# [redacted] begin nov **, 2014

agent: [redacted]: [redacted]

first bill =407.55 (297.55 + 24.97) includes a 175.00 one time application fee.

my monthly bill will be 272.35 + 24.97= 297.55 per monthOn 10-*-2014 I agreed to purchase :

Signa Multi Plan PPO

Blanket Group Ins Plan (40,000 member group)

underwriters: Freedom Life

confirmation# [redacted] begin nov **, 2014

agent: [redacted]

[redacted]: [redacted]

first bill =407.55 (297.55 + 24.97) includes a 175.00 one time application fee.

my monthly bill will be 272.35 + 24.97= 297.55 per month

But I rec'd an email confirmation from :

[redacted] Health-Freedom-

UCA Freedom Series Membership Plan

UCA membership begins 11-**-2014

Member ID [redacted]

membership level: Care Plus begins 11 -**-

first bill =407.55 (297.55 + 24.97)

then 272.35 + 24.97= 297.55 per month

CANCELLED 10-*-2014

called [redacted] health to cancel this bogus policy.

called [redacted] spoke to [redacted]. She agreed to cancel policy refund $407.55

Called my credit card and pending amounts for 407.55 PLUS another charge of 60.00 for TOTAL HEALTH ACCESS has also been charged to my card!

My cancellation came from PATRIOT HEALTH. The website address of both [redacted] and [redacted] is for [redacted] ([redacted])

[redacted], [redacted] and [redacted] of America have the same exact address of [redacted]. ([redacted] is the [redacted], [redacted], [redacted] of these companies. This [redacted] scam has been going on for several years in dozens of different states. The phone numbers that were given to me are no longer in service or not accepting messages. I live in the state of Michigan, was contacted by agent [redacted] in Florida and billed by [redacted] in New York.Desired Settlement: The refund of $470.55 for cancellation # [redacted] promised to refund within 3-5 days has not been credited to my card as promised.

I also want the unauthorized charge of $60.00 for TOTAL HEALTH ACCESS refunded to my credit card. Someone at [redacted] added this charge at the same time my account was charged with the $470.55. The reference on the $60.00 charge indicates 'health practioners' There is no information at all for TOTAL HEALTH ACCESS on the internet.

This

Business

Response:

Dear [redacted],

We are sorry that [redacted] is having such difficulty. We

would like to be of further assistance but we have done all that we can for

this member. [redacted] did sign up for a member ship on 10/**/2014 and was charged

$407.55 from our company on that day. [redacted] called our office on 10/**/2014

and decided that she was not happy and wanted to cancel. We refunded [redacted] the

full amount of $407.55. [redacted] did process the members refund at the time of

call and we show that member has been credited back to a MasterCard ending in [redacted].

At time of cancellation we did let [redacted]

[redacted] know that we are only responsible to refund what we charge and if she has

purchased any other product from another company she would have to contact that

company to cancel and be refunded by them. We can only refund the UCA

membership that she purchased for us. If

we can be of any more assistance please feel free to contact us.

Sincerely,