BBB Business Review

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In September, 2011,  the BBB started receiving a pattern of complaints alleging that the company was selling medical insurance. However, what consumers reported receiving was a medical discount card which was practically worthless.

Complainants allege they paid a “one time non-refundable enrollment fee” of $99 and subsequent monthly payments ranging from $119-$514 per month. In part, complainants state they feel the plan was misrepresented because what they received was not insurance.

Gary Kieper responded to nearly all complaints, usually by stating the consumer did not purchase the policy from PIHC, but enrolled through an out of state company. Or, often stating the consumer did not request a refund in the allotted time. Often, Kieper attempted to refer the BBB to the out of state sellers of his program. In responses, Kieper has referred to his company as the “billing and collections company”, the “processing company”, “developers of the product” and the “fulfillment and customer service” entity. Refunds were made in some cases.

However, PIHC continually failed to correct the underlying cause of complaints.

Complaints to the BBB include a large pattern; product misrepresentation, delay in receiving refunds, promised and full refunds not received, dissatisfaction with the product, difficulty in reaching the company, product not received within a specific time frame, non-information regarding the cancellation policy, and inability to cancel.

BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that affect the rating for Partners in Health Care, Inc. include:

  • 21 complaint(s) filed against business
  • Failure to respond to 2 complaint(s) filed against business
  • Business has failed to resolve underlying cause(s) of a pattern of complaints
  • Government action(s) against the business
  • Length of time business has been operating
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

21 complaints closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 10
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 11
Total Closed Complaints 21

Additional Complaint Information

On December 15, 2011, Partners in Health Care, Inc informed BBB that it markets a medical benefits discount program, and that it does not sell medical insurance. However, BBB has received a pattern of complaints against Partners in Health Care Inc, in which consumers allege that the product they were sold was misrepresented, and dissatisfaction with the product they received. The company disputes this and responds to all complaints filed with the BBB by providing an explanation of their position. 

On December 21, 2011, BBB asked Partners in Health Care Inc (PIHC), to provide information regarding other services it claimed to offer on its website. In particular, the company's website lists financial planning, tax preparation, and credit repair as some of the services offered on their website as benefits of Partners in Health Care. BBB also asked the company to clarify the products being offered under the names “Allied Veterans” and “Tri Resource.”  

On April 2, 2012, BBB met with Gary Kieper, owner of Partner's in Health Care, Inc. According to Mr. Kieper, his company does not sell the medical discount plan, a third party, separately owned company, contracted by Mr. Kieper does. As well, Mr. Kieper clarified that his company does not offer credit repair, tax preparation or financial planning services on their own - PIHC merely provides a list of companies attained through the state. The lists which PIHC pulls are public record, anyone can pull the lists. During the meeting, BBB also requested the names of 10 customers that had successfully enrolled in and utilized PIHC's services. Mr. Kieper declined to provide any names of customers.


To date, the pattern of complaints on file with the BBB continues to exist. The company has failed to address or eliminate the cause of the complaints with BBB.

Customer Reviews Summary Read customer reviews

3 Customer Reviews on Partners in Health Care, Inc.
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 3
Total Customer Reviews 3

Additional Information

BBB file opened: July 30, 2008 Business started: 11/14/2005 in WI Business incorporated 11/14/2005 in WI
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Wisconsin State Office of the Commissioner of Insurance
P.O. Box 7873, Madison WI 53707-7873
Phone Number: 608-266-3585 state wide 800-236-8517
Fax Number: 608-266-9935 for general office

Wisconsin Dept of Financial Institutions
345 W Washington Ave, Madison WI 53703
Phone Number: (608) 261-9555
Fax Number: (608) 261-7200

Type of Entity


Business Management
Mr. Gary Lee Kieper, President
Contact Information
Principal: Mr. Gary Lee Kieper, President
Business Category

Medical - Dental Discount Plans

Alternate Business Names
Advantage Savings Allied Veterans Advisors, Inc. Gary Kieper GMV Marketing Kieper, Gary National Health Care Brokers Partners in Healthcare PIHC, Inc. Senior Advantage of Wisconsin The Advantage Savings Program TRI Resource Group, Ltd. United Solutions Group
Additional Information

Partners in Health Care, Inc. was formerly located at 1033 W. College Ave., #103, Appleton, WI 54914.


According to the State of Wisconsin, offering a medical discount plan does not require any type of insurance licensing.

Industry Tips
Health Discount Plans Medical Discount Plans: They're Not Health Insurance

Customer Review Rating plus BBB Rating Summary

Partners in Health Care, Inc. has received 1 out of 5 stars based on 3 Customer Reviews and a BBB Rating of F.

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.