Business ProfileforFirst Risk Advisors, Inc.

9/6/22 I requested to waive my health insurance and offered to refund First Risk Advisors for the 2 months of coverage. My offer was accepted on 9/7, and then subsequently rejected on 9/8. On 9/8 I requested to continue the conversation, as there was a limited amount of time left to waive the insurance. 7 days later on Tuesday, 9/13 FRA responded that I could cancel my insurance. I just had a 5-business day window to do so from that day on Tuesday until Monday 9/19, today. I complied with their request and confirmed that my waiver and check of $560.12 and was delivered that Thursday 9/15. First Risk would not allow me to waive my insurance online, even though they had originally requested I waive it online in the first email. First Risk then again changed the agreement with me that they will not cancel my insurance until they cash my check, which has now been over 5 business days since it was received. They told me it would be cashed in 1-2 business days. Then once they received my check they changed again and said they would cancel my insurance only if my waiver was filled out correctly; however, they refused to address any of my questions or concerns about the waiver and timeline. I requested many times during this 5-day window if my information was sufficient. It is now past the arbitrary date for which I can waive insurance. The original agreement from 9/13 exchange is, "We will not remove coverage until this check is received in our office." My insurance should have been waived the moment the check was received - nothing is mentioned about cashing it. They conveniently changed the agreement on 9/15 after receiving the check, "We will confirm all contents are acceptable once your check has cleared. Please allow 1-2 business days for this." First Risk Advisors will not cancel the insurance if I use it before they confirm cancellation. Medi-Cal will only be a secondary provider during this time, so I have been without insurance coverage indefinitely.