World Gym

This is the first time I'm seeing this complaint.We have complied with member wishes as of last week to cancel his agreement he has no balance due.

The individual is not the insured.  Without an authorization from the insured, confidential and private information cannot be shared with third parties.  Another copy of the declaration of insurance, insurance contract, and Explanation of Benefit statements can be accessed via...

[redacted]  Certain items must be submitted by the Insured Person to be considered a complete Proof of Claim eligible for consideration of coverage including but not limited to a completed, timely, signed Claim Form and authorization for release of information.  The insured has 90 days from the date a claim is incurred to submit a complete Proof of Claim.  If the Insured Person wishes to submit Proof of Claim, the form located at www.imglobal.com/en/client-resources/claims.aspx will need to be completed and returned.In the event the Company denies all or part of a claim, the Insured Person can appeal the denial under which there will be a review of the claim and the determination.  Insureds have 60 days from the date the notice was mailed within which to appeal the determination, and have the opportunity to submit written comments, documents, records, and other information relating to the claim.  The review will take into account all comments, documents, records, and other information submitted by the Insured Person relating to the claim, without regard to whether such information was submitted or considered in the initial claim determination.  Upon receipt of a written appeal from the Insured Person, the Company shall have an opportunity for further reasonable investigation and review, and will respond as soon as reasonably practicable and within 90 days.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[All reviews of this company on Revdex.com website are 1 star only along with a lot of complaints. As a customer, I believe there is a reason for that. For my case, since this company is selling their plan on the website with explanations and etc., there is no doubt their plan should at least be able to cover something. Same as what they have mentioned in their response email, my mom has visited doctors multiple times with different symptoms, if none of them is covered, I would really like to know what they cover, if they can give us some examples! Also, if this plan is such terrible that not cover anything or only cover limited things, why they are still selling it and customers are buying it? Please don't take customers as stupid people, I believe the only reason that they sell this kind of insurance plan with all those "attractive" conditions and price is trying to fraud/trick their clients; they are expecting us not to visit a doctor, and even we did, they will not cover with "proper" reasons/explanations always! Since they will not cover anything, all I want is to at least get my $700+ insurance fee returned. What they have mentioned those questioned statements are simply ALL the doctor visits my mom did during her stay in the US.]
Regards,
[redacted]

Certain items must be submitted by or on behalf of the Insured Person to be considered a complete Proof of Claim eligible forconsideration of coverage (“Proof of Claim”) including but not limited to a duly completed, timely submitted, and signed Claim Form and authorization for release of...

information. The Insured Person has ninety (90) days from the date a claim is incurred to submit a complete Proof of Claim, and the Company at its option may pend resolution and adjudication of submitted claims and/or may deny coverage: for Proofs of Claim submitted thereafter; for incomplete Proofs of Claim; and/or for failure to submit a Proof of Claim.  The Insured Person has not submitted a duly completed, timely submitted, signed Claim Form or authorization for release of information which is located at http://www.imglobal.com/en/client-resources/claims.aspxActual eligibility determinations, benefit verifications, final coverage decisions and claim adjudications, and final payments and/orreimbursements of benefits or claims can be determined and adjudicated only after or at the time a proper and complete Proof of Claim is submitted, an opportunity for reasonable investigation and/or review is provided, cooperation is received, and all facts and supporting information, including relevant data, information and medical records when deemed necessary or appropriate by the Company, are presented in writing.  If a definite answer to a specific benefits or coverage question is required for any reason, the Insured Person may submit a written request to the Company, including all pertinent medical information and records, and a written reply will be sent by the Company.If the Insured Person disagrees with a decision of the Company, the Insured Person may in writing ask the Company to reconsiderthe decision and supply additional documentation to support the appeal.  The Company will reconsider its decision based on review of the additional documentation and facts, if any.  The Company will advise the Insured Person of its decision within a reasonable time framefollowing receipt of additional documentation and facts.

To Whom it May Concern:
This is in response to the complaint from [redacted].
On 1/31/15 Ms. [redacted] signed up for our Gold membership for $24.99 per month for a minimum of 12 months.  The online membership does and always has stated "UNLIMITED CHILDCARE for one child".  The...

unlimited term means that she can bring her child in every day that childcare is open.  We had 26 other people sign up for the Gold membership in January and none of them complained or were surprised at the cost for additional children.
I cannot answer to the employee up front stating that the fee would be $45 per month for all 3 children.  That is not our fees for additional children and if that is what she said, I apologize and will make sure that all staff is aware of the additional charges and that it goes onto the rate sheets accordingly.  The flyer at the front desk does not state all the "details" of each membership.  There would not be enough room on the flyer and it would be too much information and very confusing if we put all the facts of each membership on the flyer.  The front desk flyer is just a guide to explain the differences in memberships.  Our additional child fees are still a great rate at an extra $5 per child per month.
At this time I would like to offer Ms. [redacted] an offer for her childcare fees.  I would like to offer her to pay an additional $4 for second child, $3 for third child, and $2 for fourth child.  This would bring her membership to $33.99 per month for her gym membership including UNLIMITED childcare for all 4 of her children.
I apologize for the misunderstanding of our childcare policy.  We will be sure to put the detailed policy at the front desk for anyone who would like more information on childcare.
Please let me know if Ms. [redacted] will accept our offer.
Thank you for your time.
[redacted]

Under the Termination of Coverage for Insured Persons section, coverage and benefits under the insurance contract terminates on the earliest of certain dates including but not limited to: (a) the next day following the end of the coverage period for which premium has been fully, timely paid; (b) the...

termination date shown in the declaration; (c) the date the Insured Person returns to his Home Country; unless extended by (i) or (ii):  (i) if the Insured Person paid premium for at 6 months of continuous coverage under the plan, made the appropriate selection for End of Trip Home country Coverage, and designated 1 extra coverage month on the Application, coverage and benefits under the insurance will terminate on the 30th day after the date the Insured Person returns to his Home Country provided premium has been paid for the full period of coverage including the 30 days of Home Country coverage; or (ii) if the Insured Person has paid premium for at least 12 months of continuous coverage under the plan, made the appropriate selection for End of Trip Home country Coverage, and designated 2 extra coverage months on the application, coverage and benefits under the insurance will terminate on the 60th day after the date the Insured Person returns to his Home Country provided premium has been paid for the full Period of Coverage including the 60 days of Home Country coverage; and/or (d) the date the Insured Person first fails to meet or no longer meets the eligibility requirements set forth in the insurance contract. If the Insured Person disagrees with a decision, the Insured Person may in writing ask for reconsideration of the decision and supply additional documentation to support the appeal.  The decision will be reconsidered based on submission of any additional documentation and facts.  The Insured Person will be advised of the decision within a reasonable time frame following receipt of any additional documentation and facts.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]Response received was generic process information and nothing specific to my issue
Regards,
[redacted]

A contract has been mailed that shows that the mother signed a contract for the $9.99 membership and she initialed a separate box that she is aware and agrees to a yearly fee that comes out of $39.99. The membership would have been canceled before the next months billing if she had sent a...

letter and it was received by the 25th of the month. Unfortunately the billing company has still not received any letter from her requesting to cancel the membership.This claim is easily rectified. If she did send a certified letter, as she said she did, there is a receipt and tracking number given to her when mailed that shows the date the letter was delivered. If she can provided the tracking number or receipt of mailing the letter then I am happy to remove all charges and cancel the account. That is what I would do normally for anyone in this circumstance with merely a phone call or visit to the facility.  Yours in Health,  [redacted]        Corporate ManagerWorld Gym - Rexburg

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.
I am attaching the contract that I signed.  I understand that this is a new owner, but, he has been owner for over a year or maybe longer.  According to my contract, it is valid unless a modification to said contact is made and signed by both parties.  The reason I took out this contract was to lock in a price, I had to pay sign up fees and a lifetime membership card fee also.  If he did not want to honor my contract or amend, that should have been done when he took over the business, this is simply a way for him to increase my monthly dues and void a contract.  Thank you
Regards,
[redacted]

On 1/19/2015 IMG spoke with Mr. [redacted] and a verbal agreement was reached to resolve the issues.  Mr. [redacted] advised that he would contact the Revdex.com to close the complaint.If I can provide additional information, please contact me.Yours truly,Carolyn [redacted]Assistant to General Counsel

Company's  response below:BusinessName: WORLD GYM BEACHYourName: [redacted]TourTitle: [redacted] / [redacted]YourEmail: [redacted]ComplaintID: [redacted]Response: To Whom It May Concern,  The customer complaint has been handled, [redacted]'s membership has been...

cancelled and a pro-rated refund was send through certified mail as he requested in his Revdex.com complaint desired settlement. World Gym Beach is open 24 hours a Day Monday mornings at 3am through Sunday nights at 8pm, we close Sunday nights at 8pm through Monday mornings at 3am to clean gym, sanitize restrooms and locker rooms and service all equipment starting 1/8/2017. World Gym Beach's website, all 24 hour window signs and club hours sign on front door state clearly these are the hours of operation. World Gym Beach emailed and called members prior to starting these new hours on 1/8/2017. World Gym Beach has been operating and in business at this location since 7/2006 with thousands of satisfied members.

The tracking number shows that the letter was delivered 6/29/15 so the account should have been cancelled when the account was brought current in with the payment made on 7/17/15.  It is our error that it wasn't cancelled for August so I have submitted a refund which will process in 5-10 days and the account is now closed.  Yours in Health,  [redacted]           Corporate ManagerWorld Gym - Ammon/Rexburg

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.
I seem to be going around in circles with them and wasting time which is precisely what they want in the hopes I will simply abandon this complaint.I have made several specific complaints regarding their inadequate and incorrect advising on my insurance policy and all they have done to this point is quote policy language which I already knew.I'm investing significant time with this complaint and getting nothing but useless replies from IMG. How many times do I have to file rebuttal's to IMG's lame responses before I receive specific answers?The problem is that the policy language was not clear to me at the time I enrolled and I asked an IMG agent for clarification who did not tell me exactly what I needed to do. Moreover, though the policy language states that it is possible to purchase 12 months of out of country coverage plus 2 months of home country coverage, this, in fact, was not possible when I enrolled in the policy as it was only possible to purchase (via IMG's website) 1 month of home country coverage for every 5 months of out of country coverage meaning a maximum policy period (including home country coverage) of 12 months. And there was not a renewal notice sent to me prior to the commencement of the home country coverage as the current policy language seems to indicate. The IMG agent at the time told me to renew before August 1, 2104 to extend the policy and associated home country coverage which is exactly what I did.The one time IMG partially addressed my complaint (prior to filing with the BB) is below:"If you are now home in the US you would not eligible for coverage.  To take full advantage of the 2 months of home country coverage selected you would have had to return home 2 months prior to the Expire Date.  Our Certificate holder service vice president advised that we are not able to make an exception on this policy.  I apologize that this information wasn't presented to you more clearly by Ms. [redacted] in April and June when you discussed this with her.  She was let go several months ago."  IMG had admitted that their agent did not properly advise me yet seem to claim that it is not the company's problem because she was subsequently terminated which is a totally unsatisfactory and unprofessional response.Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I am the person who bought the insurance for my mother. All the expenses are paid by me. I have submitted claim forms along with a letter which says expenses will be reimbursed on my name in return. All the necessary documentation was sent to IMG. I called many times (even they can check the history as well). I have not got proper response from customer agent. Customer agent says - whole organization wide claims are running behind the schedule and none of the claims they are able to process it. If this is the situation, why are they selling the insurance to the innocent customers. I want my money back which I paid for the insurance or reimburse the expenses incurred. I have attached the emails proofs.
Regards,
[redacted]

An authorization allowing the release of information protected under privacy and confidentiality laws has not been received from the insured/patient.  It appears a relative of the insured/patient has communicated with your organization.Eligibility determinations, benefit verifications, final...

coverage decisions and claim adjudications, and final payments and/orreimbursements of benefits or claims are determined and adjudicated only after or at the time a proper and complete Proof of Claim is submitted, an opportunity for reasonable investigation and/or review is provided, cooperation is received, and all facts and supporting information, including relevant data, information and medical records when deemed necessary or appropriate by the Company, are presented in writing.  If a definite answer to a specific benefits or coverage question is required for any reason, the Insured Person may submit a written request to the Company, including all pertinent medical records, and a written reply will be sent by the Company to the Insured Person.  Information regarding benefit decisions, amounts paid, dates of payment, and medical providers paid can be reviewed within Explanation of Benefit statements communicated to the Insured Person or accessed at https://myimg.imglobal.com

Company's response below:From: <[redacted]>Date: Tue, Oct 31, 2017 at 2:43 PMSubject: [FWD: ]To: [redacted]ID...

#[redacted]                                  �...⇄ Gym [redacted] [redacted] closed due to the building being sold on 9/28/2017 after emailing, running ads in the local news paper and posting signs weeks prior to the closing date. We reduced [redacted]'s and all other members monthly membership fee by $5 (25%). The agreement all members sign when they join requires a $50.00 cancellation fee within the first year of the agreement which [redacted] was, she paid the $50.00 fee and we have stopped her monthly membership payments. We are disappointed [redacted] did not want to remain a World Gym member but wish her our best.Sincerely,[redacted] 
[redacted]/[redacted]World Gym [redacted] [redacted] Phone [redacted] Fax [redacted]

Dear Revdex.com: The claims of Mr. [redacted] have been adjudicated in accordance with the insurance certificate. Yours truly, Carolyn R. O[redacted]Assistant to General Counsel

Complaint: [redacted]
I am rejecting this response because:Mr [redacted] is only basing his statements on the email traffic I started because no one would return phone calls about the matter. Lack of information or lack of confirmation of my actions may not be agreed upon, as  long as any past or future debts or transaction from World Gym are corrected I will accept that as acceptable closure for this complaint. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint until IMG pays my claim as obligated.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]Proof of claim was submitted on September 23, 2014 which included bills, doctor’s reports, lab reports and all written information by doctors and hospital both online and byUS mail.  Ample time for investigation was given which was from September 23, 2014 to January 13, 2015.  An appeal was sent arguing that there was no preexisting condition on January 29, 2015 and denied on February 26, 2015.  Another appeal was sent on March 29, 2015 which included a letter from my physician which clearly states I had goodhealth and no preexisting condition prior to insurance coverage.  This was followed up on April 2, 2015 with the original medical exam results, lab reports and original letter fromphysician which were submitted with application for insurance in 2011 clearly stating I was in good health prior to insurance coverage.  An automated reply was received from  IMG on March 29 and April 2, 2015 that my email was received.  There has been no further response from IMG.  At no time did IMG request furtherinformation.   IMG is obligated to pay this claim since there was no preexisting condition.Regards,
[redacted]

Without an authorization from the insured, confidential and private information cannot be shared with third parties. Another copy of the declaration of insurance, insurance contract, and Explanation of Benefit statements can be accessed via [redacted] In the event all or part of a...

claim is denied, the insured can appeal the denial under which there will be a review of the claim and the determination. Insureds have 60 days from the date the notice was mailed within which to appeal the determination, and have the opportunity to submit written comments, documents, records, and other information relating to the claim. The review will take into account all comments, documents, records, and other information submitted by the insured relating to the claim, without regard to whether such information was submitted or considered in the initial claim determination. Upon receipt of a written appeal from the insured, there is an opportunity for further reasonable investigation and review, and the response will be made as soon as reasonably practicable and within 90 days.