Patriot Health, Inc.

Review: I bought this health care as a option online while searching for healthcare for my son and I. After receiving the information and accessing it online I called to ask about the Dentist that are on the list in my area. This was not gone over when I purchased this only my current doctor, hospital and pharmacy. I was told by the person online the only approved dentist was in [redacted]. She did ask me for my dentist name and phone number and was going to call to see if they would join the membership. I was told they would call me back and let me know. They never called back. The dentist is a specialist and is at least 45 minutes from my home. I told them I would like for my son and I to stay with my current dentist. When I called to cancel this I was told they would not refund the 100.00 one time application fee. I am asking for this to be refunded d/t the fact that I was not told about the only dentist in the area. I need something closer so I will not have to pull my son out of school for long periods of time. I would have never purchased this had I known this. I am a single mom and I have to budget my money.Desired Settlement: I would like the 100.00 refunded because I was not told about the dentist available in my area when I signed up.thank you

Business

Response:

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,

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 day they called, she said she was from an Online Shopping Network. I was lead to believe I would be beta testing a product and when I asked that question, the woman agreed. They said I had to sign up with them, give information, they charge me a buck to make sure i'm a real person and then I can proceed. She transferred my call to her 'supervisor' who then told me the 'product' is discount health insurance and proceeded to fast talk me. I cut her off and told her that is not a product i'm interested in and if there was anything else. Instead of answering my questions, she said I was going to get a 50 dollar card for dining and a 100 online shopping card regardless if I stay with them or not and it's simple to return the product. I told her no, I already have a real health insurance program and i'd like her to delete my information.

She refused, she wouldn't say no cause it's being recorded, but she kept repeating herself over and over how this can be beneficial and I get gift cards. I said that's nice, but I don't want it, remove me and she still said I can do it when the packet comes to me. I said no, I don't want any of this deal and she told me to have a good day anyway and hung up.

less then two weeks later, I get this packet. I called the number and told them to cancel, they gave me a E-mail address: [redacted]

......And it doesn't work.

I called back again, she told me to send a letter to:

or fax it to this number: [redacted]

The number for the fax didn't work so I assume the address if fake, too. Wasted time and effort to stop this madness and there is no one to contact.Desired Settlement: If they took anything from my account, they better put it back and never contact me again. It's hard enough living in California without someone across the country trying to swindle you.

Business

Response:

[redacted] enrolled in a Patriot Health Discount

Membership on June [redacted], 2013, effective that same day. [redacted] was

charged his initial payment of $59.88 on June [redacted], 2013 and a

second payment of $29.88 on July [redacted], 2013. [redacted] contacted our customer

service department and spoke with [redacted] on July [redacted], 2013 requesting

to cancel his membership, at which time he was instructed to send a

cancellation letter, as all cancellations must be submitted in writing. [redacted]

was provided with our mailing address of [redacted]; our fax number [redacted] and lastly the email address of the representative

he was speaking with – [redacted]

To date we have not received a cancellation letter from [redacted]. We will

accept [redacted]’s complaint as a formal cancellation and in effort to ensure

his satisfaction, issue a refund of both payments made to the credit card in

which he provided to purchase his Patriot Health Discount Membership. We are also investigating the sales tactics

of the agent whom enrolled [redacted] in this membership and assure you that

proper action will be taken.

Review: I was sold this service February ** 2015. Service was said to be Obama med plan to avoid penalty. I worked hard last year to pay them 131.00 a month to be facing irs trouble and being told I was paying for consumer benefits. Why pay for whatever that is and not pay med insurance. I'm feeling very presured and upset about the matter. I have no clue what to do. I'm a single parent father that receives no government assistance or child support. I can't afford that penalty which is why I signed up with this company. Please help.Desired Settlement: I would like this resolved because I'm facing a serious situation over the company selling me service I didn't need. I would like this credited or fixed so I rightfully receive 1095 form for proof on insurance or a refund.

Business

Response:

Dear [redacted],[redacted] purchased an American Health Solutions membership in the Unified Caring Association. The membership contains an array of consumer savings, including some insurance benefits. A copy of [redacted]'s brochure is included. These memberships are sold by independent licensed insurance agents. The verification recording as well as the brochure both disclose that the insurance coverage included in the membership do not meet the Federal Affordable Care Act requirements. The disclosure is highlighted on the submitted brochure.Thank you,Regina S[redacted]

Review: I received a phone call 2/*/15 from [redacted], ###-###-####, Patriot Health, who sold me a PPO health insurance plan@ $347/mo. to go into effect 3/*/15. In the meantime, I cancelled my current Anthem insurance effective 3/*/15. [redacted] did not follow through with billing leaving me with NO health insurance. I have called him 3 times since with no response. The number he gave me above is a call center with agents that work all over the US and they supposedly do not have his contact info. I feel this was a fraudulent act on his part. I have reinstated my Anthem as well.Desired Settlement: I want to know why he called me and took up so much of my time then did not follow through, give me a return call, or answer just one of my three requests to have him contact me. I would like an apology as well.

Business

Response:

We would love to have helped this person but she was not a member in our system. From her complaint we see that she stated agent [redacted] contacted her and apparently sold her a Patriot plan. This call center is a customer care office not an agent office. We do not have agents here nor do we sell from this office. I am not sure what happen with [redacted] billing but we never received her file. If the members first payment declines we will not receive their file in our office. A file is only received if the first payment was approved. Unfortunately [redacted] did not state who she spoke with when she called, so I am unable to address that rep. The number that she included in her complaint does come to our office. In most cases if a member calls us and we are unable to find them in the system it is because their payment declined. If that was the case with this member and she called into the customer care office we would normally send the agent a request to please contact that person. The customer care representatives do not have the agents phone numbers and they would have had to put in a request with their supervisor to have the agent contact the person. We apologize if [redacted] call was not handled accordingly. I have spoken to the customer service supervisor and all the reps will be retrained on how to handle a call like this. If there is anything further that we could do please let me know.Sincerely,[redacted]Agent Services [redacted]

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:

There is no excuse for a rep to sell a consumer a policy and then not follow through, and the call center should have all rep info. Sounds like a huge gap in communications in the business. Communication is the key to successful business practices. In any case this left me without coverage and caused me much grief. I would appreciate a direct apology at the very least from the company!

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

Sincerely,

Review: I want a complete refund,I ask point blank certain medical coverage was told absolutely that is to good to be true covered,,,totally miss lead,,scam!

AT exactly 12:10 p.m. Jan.**,2015 I returned a call to ###-###-####,I [redacted] was looking for insurance.These people called several times before I even blocked some of their numbers.That being said after speaking with a lady by the name of [redacted],she transferred me to ###-###-####,this was a guy. I don't remember his name.I told him what I was looking for,major medical we went through a lot of paper work he told me he had found some thing $877 for me and my husband NO DEDUCTIBLE I didn't think he knew what he was talking about, I'd explained i'd just had surgery in Augusta 2013 I know how Insurance works. I began asking a lot of detailed questions. this is when [redacted] stepped in. Oh he was really good in telling me exactly what I wanted to hear, I know what made me really go with it was the fact he kept telling me the premiums would never go up. I was lucky it was open enrollment an they were like a group insurance and that's how I could get it so low and as well as having NO DEDUCTIBLE to have to meet.By the way he said " I quote "ther are so many people out that doesn't know about this like you ,,you shopped around and found" "how about telling people it can help so many people"unquote!!!! I would have to pay $100.00 up front each time I went to the emergency room, and to my regular medical doctor it would be $15.00 co-pay, & a specialist $40.00 /$60.00 depending. Unlimited visits to the doctor, all lab work covered, x-rays, any type of scan 100% . Medications 60% generic /40% Brand. Something about script hope could signup for? Then,,its time to commit, so he transfers(oh but before he goes he gives me his personal direct number if I have a problem ###-###-####) me to another lady who I am having to constantly tell her I cant under stand a word your saying, this goes on an on. I'm not worried at this point their emailing me all the documents, well it just so happens after they get my electronic signature is all they could email to me at that time. Something happened. We even tried to email to my son [redacted] Who is the other person involved as well.He still lives here at the same address just pays for his on policy. But as soon as we said good buy they charged my cards one $882.50 this is for me and my husbands insurance policy and $259.56 for my son's policy. Then I began recieving all the docements and they read NOTHING like what I was told on the phone. I feel this is very missleading.and disturbing. I'm self employed for 33 years as a hairstylist and plan on going back as soon as I can. I've pinched every penny to stay afloat and not ask any help from the groverment or state. I pleaded with you to please help me in getting my money returned. AND, take the necessary action to help others not yo get caught up in this mess. I only have a few days to get insurance now and will need that money to do so. I Thank you for your prompt attition in addressing this issue.

Sincerely,

[redacted]Desired Settlement: $259.56 to to credited back to the card it was charged to fo [redacted] policy NOTE: I dont have any info. on his policy yet but they took they money!!!

#ID: [redacted]

$882.50 to be credited to the card it was charged to

Business

Response:

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,

Consumer

Response:

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

Sincerely,

Review: My wife has insurance coverage (terrible insurance coverage) with this company, also known as Opticaa Health. We went with them because they said they provided maternity coverage which is not available with other individual plans in Missouri. We recently, got her along with our baby a policy through a legitimate insurance agency. We had just gotten verification from the new company and found out that we were charged for this month's premium a couple days earlier than normal. We called Opticaa/Patriot to cancel that insurance (I say again, terrible coverage) and asked if they would refund the money for this month's premium because we do not need that coverage. They refused. So we are not paying for something after asking to not pay for it anymore.Desired Settlement: At this point we only wish for a refund in the amount they charged us for the October premium which is $230.55.

Business

Response:

Dear [redacted],

I have review member [redacted]'s file. her plan effective date was on 04/**/2012 and I do see that she canceled her plan on 10/**/2013. Our normal policy when a member cancels a plan is, if the member has already paid that months premium the plan stays effective till the end of that paid month. However this is not an unbreakable rule. We do base a lot of our decisions on a case by case situation. In the case of [redacted] she should have been refunded for the month of October. I have notified the customer service departments supervisor about this complaint. She will retrain the customer service representative. I have already refunded the member back the month premium in the amount of $230.55 and issued the credit to her credit card that is on file. she will see that credit in 3 to 5 business days depending on her bank. I have attached a copy of the refund receipt for your records.

I apologize for any inconvenience. if you have any further questions please feel free to contact me.

Review: I cannot find anywhere in the benefits guide anything about coverage for catostrophic events which is my main concern at this time.

I was told when I was called by this company that catastrophic health events would be covered up to 70%, however, I cannot find any information on this in the guide. Since my husband and I are basically healthy people, I am very concerned about what would happen if something unforeseen should happen to us. I needed more information on this, and I have been unable to contact anyone from this company.Desired Settlement: Would like something in writing about the coverage for catastrophic events such as [redacted], etc. I just want to know if I am covered for these types of events.

Business

Response:

Dear [redacted],[redacted] purchased an American Health Solution membership in the Unified Caring Association. A copy of [redacted] brochure is included. Memberships are sold by independent licensed agents. It is unclear why [redacted] thought the membership included any catastrophic coverage. We have attached the agents statement and the voice verification for your records. Records indicate that [redacted] spoke with Customer Service on January **, 2015. At that time, her membership was reviewed with her.Pleas elet me know if there is anything else that you need.Sincerely,[redacted]

Review: Jan[redacted],2014 I purchased this fly by night health insurance being told that at ANY time I was not happy I could cancel. After the first 4 months, I did just that. Several months later this Patriot/Premier ins. Co was taking money out of my account. At this point my bank manager was helping me solve financial issues and she herself AGAIN called and cancelled. Because I do not check my bank statements once a year due to S.S. DISABILITY goes in and all my bills come out of my account, no need to see I had no money left. My bank recently merged and going over my statements over a year and a half later, this insurance co. who NEVER EVER paid a claim was STILL taking my money!!!! On Sept [redacted], 2015 I for the 3rd time called and cancelled asking for atleast my 1691.40 back they owed me. The FIRST women said I filed 3 claims....they were NEVER paid. The SECOND smart mouth Cywana, said I filed 11 claims....they NEVER got paid, the THIRD women said to bad go find my cancellation number from a year and a half ago and prove it or kiss her ...!!!!! If this is a legit insurance co. for health, it will kill you. Any decent respectable CEO would see this, as well as ALL the other bad reviews I've read all over the Internet and they would cut me a check. ...not for all the money but for atleast a year or just cut me one for $1691.40 that would be caring and fair. Now to the RUDE and IGNORANT women I spoke to, they should be FIRED. Let's see what the CEO does for me. Thank you, [redacted]Desired Settlement: My resolution would be to give me back a years payments totaling $1691.40

Business

Response:

[redacted] purchased a United Benefits Plus membership in the Unified Caring Association on January *, 2014. Records indicate that on March **, 2014 [redacted] downloaded her membership card, her brochure and other various insurance and non-insurance documents. On September *, 2015 [redacted] contacted customer service and canceled her membership. She was refunded the last month of her membership fee as a courtesy. [redacted] customer service record; brochure and her cancellation recording are provided.Thank you,Regina S[redacted]Agent Services [redacted]

Review: Applied for health ins. online. Canceled the next day because it was a big ripoff and didn't meet essential care requirements as determined by Obamacare. Today I got 2 bills on my credit card statement where they had charged my credit card 63.97 and 69.97 supposedly for dental and vision. The representative said we had to make a separate call to cancel this. Why did no one tell me this and why didn't I have to make two separate calls to sign up for this. Now I'm getting partial refund of about half of what they charged me. But they won't refund service charges.....This is a big ripoff. Now I have to pay for something that I thought was taken care of when I canceled Insurance.Desired Settlement: I want a FULL refund and I want them to be forced to tell people that they are going to be charged automatically for things from a third party, and that their insurance is fraudulent and doesn't even meet essential care standards set by government. up front, before they start sucking money without your permission,

Business

Response:

Revdex.com Response:[redacted] purchased a Premier Series membership in the Unified Caring Association. These memberships are sold by independent licensed agents. Often times, these agents sell the member additional products. We have reached out to the agent and confirmed that this is the case with [redacted]. The agent confirmed that [redacted] has been refunded in full for the additional items. In addition, [redacted] has been refunded in full for her Premier Series UCA membership as well.ReginaMember Services###-###-####

Review: I bought health Ins. with this company since 2/*/2014. We pay with our credit card every month. And on time. Well they took the money, and credit cards need to be updated because of expiration date on the cards. And we call them to give the new date!. Never a problem, they have taken our money. and say now they don't do insurance in the state of [redacted], and the policy is canceled. When we talked to the agent about insuranace,was no problem. They have taken our money. It was also put on our tax forms, no problem. member I.D is [redacted] We want our money back, or health insurance.

Product_Or_Service: optimum One Health

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

Would like my health insurance as they promise my or a refund for all the months they charged us. The total is $3,018.35 They stole my hard earned money.

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 signed up with "Patriot Health" in Jan 2014 and I was told it was a PPO network and I was eligible for coverage under "special enrollment" on Feb **, 2014. I was told it was "guaranteed coverage" with zero co-pays. I was told it included diagnostic tests, labs, medicines, med./surgical, hospitalization and that I could go to my current physicians. They charged me a $135.00 initial enrollment fee and told me I had 30 days to cancel and I had a monthly payment of $149. They have deducted $284.00 in February. I called them before February ** and wanted to cancel. The CSR I spoke with was rude and did not let me even speak regarding a refund. I was told can cancel within 30 days and get a full refund. Now I get calls and emails requesting payment when I cancelled this so called policy on February *, 2014. I have had to change my banking due to them.Desired Settlement: Complete Refund of my Total payment of $284.00.

Business

Response:

Dear [redacted],

We were sorry to hear that the membership did not fit the members needs. The member is correct, he did have 30 days to cancel and get a full refund. However we do not have a record of the member calling us to cancel or any written request. I have attached a phone record of the members calls for you to view. The reason that the member was getting phone calls from us was due to the fact of declined payments. Without the cancellation, the member was still active and the second payment declined. It is our process to call the members an inform them when a payment declines. We are sorry if this caused the member any distress. We have refunded the member in full and I have attached a copy of the refund receipt for you. Please let me know if there is anything else that you need.

Sincerely,

Review: "[redacted]""promoting Health Insurance deceived me.told him Money should not be taken out until Feb [redacted].Taken out [redacted].Now overdrawn.He assured me

The Account # they gave me was [redacted] I cancelled the "insurance with in 3 hours, but Optimum said they had to take the money out of my bank account first, then reimburse my bank account. [redacted] assured me the money would not be taken out until the [redacted].Well it came out the [redacted]. He deceived me/he assured me the [redacted].

My cancellation # is [redacted]. on Feb [redacted]. spoke to [redacted] at that company/within 3 hours of purchasing "insurance". Found out it is a Membership, not insurance.Desired Settlement: I want my money back from this deceptive place. It has caused my bank account to be in the negative. I don't have money to fool around with this place. I live paycheck to paycheck. and I need Health insurance per the Obama care bill.

I need my money back from this place. and I need it today. I am sick over this situation. I am sorry I was so trusting.

Business

Response:

I have review this file and see that [redacted] signed up for a Optimum One Health membership plan on 02/**/2014. I have attached the voice verification for you. the member did agree to make payment on 02/**/2014 in the amount of $297.50. the member did in fact call and cancel the membership but because payment was made by a checking account we needed to wait till the check cleared and once that happen we would refund the member in full. we did in fact refund the member back to his checking account ending in [redacted] on 02/**/2014 after the check cleared. I have attached a copy of the member billing for you. member has been refunded in full. Please let me know if you need anything further.