SASid, Inc.

We are in receipt of Ms***’ complant and we have reviewed this complaint thoroughly. Ms***’ inquiry indicates that she is dissatisfied with her attempt to terminate this HCC Short Term Medical policy as of 12/31/15, and that she was charged for additional month ($422.70) for
January 2016. At the time of her call on 1/7/16, she was advised that a cancellation request must be submitted in writing. Subsequently on the same day, 1/7/16, she was sent a cancellation form via email (attached), along with the instructions that the cancellation form needed to be signed and returned. Ms***’ written request for cancellation was received on 1/7/16. Although a signed request to cancel was not received days prior to the 1/1/scheduled draft day (per cancellation procedure), we are accepting this as sufficient cancellation upon review with the carrier. As a courtesty we have given Ms***’ a refund of the electronic fund transferred premium dated: 1/1/16. A checking account refund in the amount of $was processed today, 1/13/16, for Ms*** as requested. In addition Ms***’ coverage termination date is now 1/1/16, to reflect this refundIn closing, thank you for allowing InsuranceTPA.com the opportunity to respond to this inquiry. We hope this additional information clarifies the outstanding questions relating to this matter. Thank you for your time and consideration. Sincerely, Grievance and Appeals Department InsuranceTPA.com, Inc** *** ***
*** ** *** *InsuranceTPA.com, Inc. Is a Third Party Administrator for United States Fire Insurance Company InsuranceTPA.com, IncPO Box Janesville WI Phone: 800-279-Fax: [email protected] Any and all information will be kept in compliance with privacy statutes and be used for the sole purpose of benefits determination per the guidelines of this insurance planAll services are subject to plan provisions at the time services are rendered; Benefits and Eligibility are not a guarantee of payment

Member: [redacted]Certificate
#: [redacted]Effective
Date: 10/16/14Termination
Date: 10/16/14Plan
Type: Asentra Health Instant MDFile#:  [redacted] Dear
Revdex.com, This
is the second correspondence is in regards to the complaint submitted to InsuranceTPA.com
on complaint ID# [redacted]. InsuranceTPA.com is the Third Party Administrator
for Asentra Health Instant MD.  We appreciate the opportunity to respond a
second time to this inquiry. This response is on behalf of InsuranceTPA.com and
Asentra Health Instant MD.  The complaint
indicates the following:Mr. [redacted] does not agree to the response of the initial complaint regarding his
Asentra Health Instant MD plan. Response to the
customer complaint:The
recorded verification was provided at the time of this response indicating his
approval of enrollment.  We
are not disputing Mr. [redacted] request for a refund of the $5.95 application fee
as stated in the original response. The application fee of $5.95 was refunded
on 11/07/14 at 9:22 am CST.   Thank
you.InsuranceTPA.com,
Inc.PO Box 998
Janesville, WI 53547 Dear
Revdex.com,
 
This
correspondence is in regards to the complaint submitted to InsuranceTPA.com. InsuranceTPA.com
is the Third Party Administrator for Asentra Health Instant MD.
 
 We appreciate the opportunity to respond to
this inquiry. This response is on behalf of InsuranceTPA.com and Asentra Health
Instant MD.
 
The complaint
indicates the following:
Mr.
[redacted] states in this complaint that money was withdrawn from his account for
Asentra Health Instant MD without his approval. 
His account was then credited the first month premium in the amount of
$29.95 but the “application fee” of $5.95 was not refunded and this amount is
still owed to him as he did not fill out an “application”.
 
Response to the
customer complaint:
Asentra
Health Instant MD is a non-insurance product that is sold telephonically to
members.
There
is no paper application process.  The
enrollment information is taken over the phone and then preceded by a recorded
enrollment verification that identifies the components of the non-insurance
program along with current and reoccurring monthly costs.  In the recorded verification it indicates
that the $5.95 is a processing fee for the enrollment in the Asentra Health
Instant MD plan.
 
The
recorded enrollment verification with Mr [redacted]’s approval is enclosed with this
response. It does state Mr. [redacted] clearly agrees to the costs associated with
this enrollment.
 
With
that said, Mr. [redacted] has been refunded the $5.95 processing fee and will be
deposited into his financial institution within the next 5-7 business days.
 
Enclosed:
·        
Enrollment
Verification
·        
ID
Card
·        
Welcome
Letter
 
Thank
you.
InsuranceTPA.com,
Inc.
PO Box 998
Janesville, WI 53547

Dear [redacted],




Congratulations for enrolling in the Asentra Health Instant MD Plan. Your Member ID number is[redacted]. You now have 24/7/365 access to Board Certified primary care doctors,...

pediatricians and registered nurses by secure internet connection on your smart phone, computer, tablet, phone or email.

You and your family have unlimited consultations with doctors, pediatricians and registered nurses for only $49.40* per month as a Preferred member. That is a savings of over 50% off our regular rate. Asentra Health works along with your primary health insurance to save you hundreds of dollars a year in medical costs. Now you can sleep easy with our services at your fingertips.


Included in your enrollment:

Unlimited doctor consultations via MD LIVE with no co-pay or deductible
Unlimited access to Ask Mayo Clinic registered nurse line
Online Ask Mayo Clinic self diagnostic tool
One million dollar medical identity theft insurance policy
Total medical identity restoration program by AEGIS Identity Group
A savings up to 65% at the pharmacy with your WellDyne well card
Savings at 45,000 participating medical professionals located in your local communities
Concierge medical program where we schedule appointments for you
Medical billing advocate service that will review any of your medical bills for errors and find you savings
$100 Reward Certificate from Name My Reward, yours to keep even if you cancel

 























Video Consultation


Phone Consultation


Secure Email Advice




See a Doctor using your computer or tablet over the internet, via your Smartphone computer or tablet.


No Webcam? No problem! You can call from your regular phone


Ask questions and get advice from our secure email system




 


 
How to Access the Instant MD Program

Step 1: Visit[redacted]and set up your online account (required).

Step 2: Click on "Log In"

Step 3: Enter your email address ([redacted]) and password. Enter the following for your password:

First three letters of your last name. The first letter onlymustbe capitalized. The rest is lower case.
Your 5 digit zip code.
%

Example - [redacted] in area code [redacted] password will be [redacted]
Step 4: Once logged in, you will have access to all your Benefits including MD Live for doctor consultations, Ask Mayo Clinic nurse line, WellDyne** prescription discount program and AEGIS Identity Group for identity restoration.




Whether you are at home, in the office, traveling or simply want the most convenient way to reach a doctor or nurse in your state. Instant MD is easy to use and available on your schedule anytime, anywhere. Our service is secure, confidential and compliant with all medical privacy regulations.

IMPORTANT INFORMATION:You recently selected Asentra Health’s Instant MD to be your remote health provider. As an active enrollee, you have been charged a $5.95 enrollment fee and a $29.95 prorated network access fee. After your 7 day risk free trial expires, your service will automatically continue and your first monthly payment of $49.40*, a savings of approximately 50%, will be charged to the billing information that you provided us.

If you have any questions or wish to change your plan, please call customer care at 1-808-247-CARE. This service is NOT insurance, and there is NO additional charge to members for consultations. Instant MD…Fast, Affordable Healthcare and Peace of Mind for you and your family.

To get started visit[redacted]and make your appointment today! If you have any customer service questions or changes to your billing information, please call our Customer Service team at [redacted] or email[redacted]

Sincerely,
The Team from Asentra Health PPN
 



This is not insurance and does not replace your primary care physician. It does not replace COBRA or any other medical insurance program nor is it a Part D prescription drug plan. It is a discount program.

This plan is ongoing and payments will continue to post until we receive a signed notification of your request to cancel. To cancel, the member must send us a signed notification no less than 5 days prior to the established billing date. This will ensure the discontinuation of future charges to your account. Any notification after that will lead to another month of coverage.

Asentra Health makes no warranty as to the content of any treatment response. You and your physician are solely responsible for all information and/or communication sent during a consultation. All services are HIPPA compliant
Asentra’s physicians do not prescribe DEA-controlled medications or lifestyle drugs. If you have an emergency medical condition, please dial 911.

[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. 
Regards,
[redacted]

Hello, We have researched our records of enrollments and we do not have any information on "James G. M[redacted].  We do not have any internal licensed agents with the first name of "Frank" (no last name was provided for the selling agent).  Our contracted external agents are not...

contracted with us to sell any major medical policy.We are unable to respond to this complaint without the first and last name of the actual policyholder and the first and last name of the selling agent or agency.Once we have additional information, we will be better equipped to address this issue.Thank you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
I do not accept this response from the company, soley because I did not enroll in this BS! I accepted a $100.00 gift card for 5.95 I believe. Which I have received from the company. Also, I cancelled my "so called" membership right away. At the time I sent them the money for the gift card, I told them specifically, I did not want this crap about getting ahold of Dr's or nurses anytime I wanted to ask questions! Besides, I have my own private insurance with Blue Cross Blue Shield of Minnesota! Which I am perfectly satisfied with. Therefore, this crap about me signing or filling out a membership agreement is just a ploy for them to automatically take out funds from my checking account every month! If I see at any time funds from my account withdrawn from this company thy will be in DEEP DOO DOO!!!! Besides I have allready cancelled this so called membership right away at the beginning! As soon as I seen funds taken out from my account!!

Please see the response and all applicable documents attached.Thank you.InsuranceTPA.com

Review: We purchased a short term medical insurance policy from SAsid Insurance Development company in October of 2015. We specifically told the insurance agent [redacted], that we only needed a policy through the end of 2015 as we would then be opted into an Affordable Care Act policy the first of January.

On January 5th of 2016, SASid debited our account again for the policy continuing through the end of January in the amount of $422.70. We contacted [redacted], letting her know that the policy should have ended on December 31st and that we would like our bank account credited. She refused to give our money back and we were told that since we did not cancel the policy with a 5 day notice we would have to pay for the entire month; they refused to even pro-rate the month. She told us we should have read the policy.

We were also told by [redacted] that the policy would be compliant with the Federal Affordable Health Care Act qualifications. Come to find out that was also false.Desired Settlement: We would like a refund of the premium amount of $422.70

Business

Response:

We are in receipt of Ms. [redacted]’ complant and we have reviewed this complaint thoroughly. Ms. [redacted]’ inquiry indicates that she is dissatisfied with her attempt to terminate this HCC Short Term Medical policy as of 12/31/15, and that she was charged for 1 additional month ($422.70) for January 2016. At the time of her call on 1/7/16, she was advised that a cancellation request must be submitted in writing. Subsequently on the same day, 1/7/16, she was sent a cancellation form via email (attached), along with the instructions that the cancellation form needed to be signed and returned. Ms. [redacted]’ written request for cancellation was received on 1/7/16. Although a signed request to cancel was not received 5 days prior to the 1/1/16 scheduled draft day (per cancellation procedure), we are accepting this as sufficient cancellation upon review with the carrier. As a courtesty we have given Ms. [redacted]’ a refund of the electronic fund transferred premium dated: 1/1/16. A checking account refund in the amount of $422.70 was processed today, 1/13/16, for Ms. [redacted] as requested. In addition Ms. [redacted]’ coverage termination date is now 1/1/16, to reflect this refund. In closing, thank you for allowing InsuranceTPA.com the opportunity to respond to this inquiry. We hope this additional information clarifies the outstanding questions relating to this matter. Thank you for your time and consideration. Sincerely, Grievance and Appeals Department InsuranceTPA.com, Inc. [redacted]

[redacted]InsuranceTPA.com, Inc. Is a Third Party Administrator for United States Fire Insurance Company InsuranceTPA.com, Inc. PO Box 998 Janesville WI 53547 Phone: 800-279-2290 Fax: 253-595-6901 [email protected] Any and all information will be kept in compliance with privacy statutes and be used for the sole purpose of benefits determination per the guidelines of this insurance plan. All services are subject to plan provisions at the time services are rendered; Benefits and Eligibility are not a guarantee of payment.

Consumer

Response:

[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.]

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

Regards,

I am trying to resolve an issue with my insurance that is relatively minor in my opinion, but I want to clear it up. I have been communicating with SASID via e-mail, but their representatives don't respond to e-mails and on one occasion said they would get back to me, but didn't. The following is a log of my e-mails.

I e-mail [redacted] in charge of my work's accounts on Sept. 12 – No response.

I e-mail General SASID site on Sept. 17th

[redacted] e-mails on Sept 18th saying he will get back to me the next day – never does

I e-mail [redacted] asking for a response on Oct. 1st [redacted] responds to me Oct, 2nd

I e-mail [redacted] on Oct. 2nd to follow up – today is Oct. 9th and he has not responded.