Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
First, in your response, you mentioned "in most instances international students are not required to have Minimum Essential Coverage", I don't think this can be your reason for not putting notice on your webpage as well as advertisement on "New York Chinese Student Service Center" webpageI know it is hard to satisfy every customer, but simply ignores minority of customer is not a decent business strategy. Second, you mentioned "In addition, every customer receives an insurance contract from us after their purchase." However, I have never received any hard copy document from your company or any other equivalent electronic document regarding my policyBesides, you also stated that "On page one of the insurance contract in bold font there is similar text regarding the PPACA requirements." Does this imply that you have clear notification of no MEC in the document customer received AFTER customer purchased the policy? So that means: even if a customer have purchased your policy based on the misleading information on your website, they can notice this issue after receiving your mailing document? In that way when they cancelled their policy with your company, you can charge them cancellation fee? To sum up, I think "insurance contract" can not be the source of notifying customer of this policy not meet MEC since it's sent out after the purchase and the customer will need to pay cancellation fee no matter what, not to mention customer may never received such mailing document.Till now, I have contacted Taian through phone, email, as well as Revdex.com, I did not see your sincerity to help solving the problemI insist my request that Taian should make official apology and make corresponding modification on their webpage and the advertisement on "new york chinese student service center"
Regards,
*** ***
From: Taian <[email protected]> Sent: Tuesday, April 11, 2017 4:19 PM To: info Subject: Revdex.com Customer complaint ID [redacted] Dear Revdex.com, Thank you for forwarding this information. We certainly understand this individual’s...
frustration, and I regret that they are disappointed. However, I believe strongly that we communicate clearly the nature of our products. Because we are a covered entity under HIPAA, I cannot comment on the particulars of the complaint without a release. What I can tell you is that the phrase “Minimum Essential Coverage” is one of several health insurance requirements within The Patient Protection and Affordable Care Act (PPACA). However, the international student health plans that we sell are not intended to meet the requirements of PPACA, because, in most instances international students are not required to have Minimum Essential Coverage. However, because we recognize that there is a chance an international student may be required to purchase a plan that meets some or all of the PPACA requirements, we clearly disclose the following, in our marketing materials, to our customers including the complainant: Important notice regarding Patient Protection and Affordable Care Act (PPACA): This insurance is not subject to and does not provide benefits required by, PPACA. On January 1, 2014, PPACA will require U.S. citizens and certain U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on U.S. citizens and U.S. residents who are required to maintain PPACA compliant coverage but do not do so. Please note that it is solely your responsibility to determine if PPACA is applicable to you. In addition, every customer receives an insurance contract from us after their purchase. On page one of the insurance contract in bold font there is similar text regarding the PPACA requirements. Our company takes customer satisfaction very seriously, and we make every effort to answer our customer questions and respond to their inquiries. If a customer were to ask us by email or phone about PPACA, or minimum essential benefits we would answer their questions and guide them appropriately. If a customer is seeking a refund, we process that refund consistent with the terms of their contract so that all customers are treated the same. Sincerely, Chief Executive Officer
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
First, in your response, you mentioned "in most instances international students are not required to have Minimum Essential Coverage", I don't think this can be your reason for not putting notice on your webpage as well as advertisement on "New York Chinese Student Service Center" webpageI know it is hard to satisfy every customer, but simply ignores minority of customer is not a decent business strategy. Second, you mentioned "In addition, every customer receives an insurance contract from us after their purchase." However, I have never received any hard copy document from your company or any other equivalent electronic document regarding my policyBesides, you also stated that "On page one of the insurance contract in bold font there is similar text regarding the PPACA requirements." Does this imply that you have clear notification of no MEC in the document customer received AFTER customer purchased the policy? So that means: even if a customer have purchased your policy based on the misleading information on your website, they can notice this issue after receiving your mailing document? In that way when they cancelled their policy with your company, you can charge them cancellation fee? To sum up, I think "insurance contract" can not be the source of notifying customer of this policy not meet MEC since it's sent out after the purchase and the customer will need to pay cancellation fee no matter what, not to mention customer may never received such mailing document.Till now, I have contacted Taian through phone, email, as well as Revdex.com, I did not see your sincerity to help solving the problemI insist my request that Taian should make official apology and make corresponding modification on their webpage and the advertisement on "new york chinese student service center"
Regards,
*** ***
From: Taian <[email protected]> Sent: Tuesday, April 11, 2017 4:19 PM To: info Subject: Revdex.com Customer complaint ID [redacted] Dear Revdex.com, Thank you for forwarding this information. We certainly understand this individual’s...
frustration, and I regret that they are disappointed. However, I believe strongly that we communicate clearly the nature of our products. Because we are a covered entity under HIPAA, I cannot comment on the particulars of the complaint without a release. What I can tell you is that the phrase “Minimum Essential Coverage” is one of several health insurance requirements within The Patient Protection and Affordable Care Act (PPACA). However, the international student health plans that we sell are not intended to meet the requirements of PPACA, because, in most instances international students are not required to have Minimum Essential Coverage. However, because we recognize that there is a chance an international student may be required to purchase a plan that meets some or all of the PPACA requirements, we clearly disclose the following, in our marketing materials, to our customers including the complainant: Important notice regarding Patient Protection and Affordable Care Act (PPACA): This insurance is not subject to and does not provide benefits required by, PPACA. On January 1, 2014, PPACA will require U.S. citizens and certain U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on U.S. citizens and U.S. residents who are required to maintain PPACA compliant coverage but do not do so. Please note that it is solely your responsibility to determine if PPACA is applicable to you. In addition, every customer receives an insurance contract from us after their purchase. On page one of the insurance contract in bold font there is similar text regarding the PPACA requirements. Our company takes customer satisfaction very seriously, and we make every effort to answer our customer questions and respond to their inquiries. If a customer were to ask us by email or phone about PPACA, or minimum essential benefits we would answer their questions and guide them appropriately. If a customer is seeking a refund, we process that refund consistent with the terms of their contract so that all customers are treated the same. Sincerely, Chief Executive Officer