Complaints

This profile includes complaints for BEST Life and Health Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  BEST Life and Health Insurance Company

  2435 East Coast Highway Corona Del Mar, CA 92625

• 

  Best Life & Health Insurance Company

  2700 W. Cherry Lane Meridian, ID 83642

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/07/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed up for Best Life and Health dental insurance with marketplace for 2024. I just realized I am being charged twice a month since February 2024. I was also charged $77 in Feb and $77 in March. ******* was the only payment I have missed bc I set up auto draft after that. So I shouldnt have been charged $77 in March. I am attaching my bank statements so you can see. I am asking for a reimbursement of $231.06 for the amount of the double charges. Also, I need the company to stop charging me for one of the extra charges which is an auto-draft.

  Business Response

  Date: 06/07/2024

  BEST Life and Health has reviewed and resolved this member's inquiry.

  The member had established duplicate automated payments with us and those were creating the credit on her account.  We spoke to her today and resolved this to the member's satisfaction.

  We thank her for choosing us for her dental coverage needs.  She can contact us at ************ Monday through Friday from 8:00 AM to 8:00 PM Eastern Time with any further questions.

  Sincerely,

  Customer Service

  **********************

  Customer Answer

  Date: 06/07/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ***************************
  
   
  

• Initial Complaint

  Date:05/30/2024

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  December 31st 2023 I canceled Best life, health and dental insurance. I had set up an auto pay through bank my during my 2-year stint with them. When I had contracted a new insurance through ********** Blue shield I modified the bill pay to direct it to ********** Blue shield with the account number and their name on each check going out after I had made the initial payments on their website. What I failed to do was change the address and it continued to go to best life insurance in ****************************** starting in April and was not noticed until I received determination letter from my insurance for non-payment. I sent two checks to best life in error. The checks were made out to Arkansas ********** Blue shield and when I contacted Best Life (***) he told me that was my error and my bank's error not their error, that I was not going to get my money back most likely. I have never dealt with anymore unscrupulous company as this company. I contacted my bank and they were flabbergasted as well. Telling me there was not anything they could do because the checks had already been cashed. I contacted best life again thinking a different representative might end up seeing it differently and give me my money back. However, when I called them again it was ***, again, and he hung up on me when I asked if this was accounting. I would like my $200 back that I had sent them (I sent two checks of $100 each). *** in accounting, not a joke, saw that I had terminated the account on December 31, 2023 and also said he saw the two checks that had been cashed. Again. I want that money back now. It's not their money. It wasn't even their name on both checks.

  Business Response

  Date: 05/31/2024

  This member's complaint has been reviewed and resolved.  

  In reviewing the account it was determined that due to past overpayments, the total amount of credit on the account as of the December 31, 2023 coverage termination date was $334.32.  We had started processing that refund on May 30, the date the member first contacted us.  We apologize for any misinformation or discourteous communication from our **************** staff and will investigate that to ensure it does not continue to occur.

  A refund in the amount of $334.32 has been processed and will be mailed on June 3, to the address we have on file (which matches this member's address listed in this complaint).

  If there are any questions, please contact us at ************, or at ***************.   We appreciate this member choosing BEST Life and Health for their dental coverage needs.

  Sincerely,

  ****************

  **********************

  Customer Answer

  Date: 06/01/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *************************
  
   
  

• Initial Complaint

  Date:04/04/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I terminated my coverage with this company in December 2020. Since then they have been charging my account monthly. There was no notice through the health insurance marketplace, or any other venue that I should have directly contacted them to stop the automatic payments these automatic payments continued to come out despite my not enrolling in their insurance program and not having taken any benefits whatsoever their representative claims that I need to dispute this through the health insurance marketplace of which there is no option I demanded a refund and was refused. The person told me there was nothing they could do about this that they operate in 13 states and cant possibly keep an account of everyone who should be charged and who shouldnt be charged I believe this is fraudulent and at best negligent financial behavior in light of the many many complaints ahead of me it seems this is not going to change the company continues to operate in this manner and has done nothing to resolve this issue

  Business Response

  Date: 04/16/2024

  Our response is:

   

  BEST Life and Health has reviewed and resolved this members issue.

  Due to the information needed for a full response and privacy rules, we have emailed the member with a full response and are unable to give that detail in this response.  The response to the member does include information of a refund that has been processed to him.

   

  Sincerely,

  Customer Service

  BEST Life and Health Insurance Company

  Customer Answer

  Date: 04/16/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ***********************
  
   
  

• Initial Complaint

  Date:01/04/2024

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I want the business to honor the dental coverage I signed up for as advertised through the Marketplace Insurance website. I THOUGHT I had enrolled in dental insurance that covered major and minor services because Best Life listed the services as covered at NO CHARGE. Therefore, I canceled my COBRA dental after enrolling in the dental services. Later, I was told major dental services were not covered at all. This was very upsetting and alarming because I cannot re-enroll in my COBRA dental plan I had from my previous employer even though I have asked three times. I canceled my dental with my previous employer's COBRA plan under false pretenses from Best Life. When I realized I had made a life altering decision based on false information provided to me by Best Life, I reached out to the *** of Best Life ( *********************) on LinkedIn. He stated the was advised there may be a problem with the link and that ***************** would be reaching out to me. I advised ***************** of my issue, and after *** looked into the matter, he advised the information presented to me on the Market Place website was incorrect and that I was not covered for major dental work. However, he said I could file a dispute to try to get it covered should I need to have major dental work. *** also advised that I could get my COBRA dental back, but I told him my previous employer said due to COBRA laws, I cannot. Best Life never took responsibility for their false advertisement on the Marketplace website and the adverse effects it had on me as a consumer because i made a decision based on that false information and am now negatively impacted. After realizing *** would not take ownership on the behalf of Best Life, I reached out to ********************* again and asked if the company would honor what I signed up for on the Marketplace website where they advertise and sell their dental insurance, and I have not gotten a response. I am not asking for a refund. I am asking Best Life to honor what I signed up for on the Marketplace website as advertised and listed on Marketplace website. I would never have canceled my COBRA dental for the sub par coverage I am being told I have for minor dental work only. I have attached what was advertised and displayed on the Marketplace website would be covered. I am asking Best Life to do the right thing and honor what was listed on the Marketplace website since I lost my dental insurance because of their false information.

  Business Response

  Date: 01/23/2024

  BEST Life and Health is currently reviewing this situation and will be contacting this consumer directly within the next 10 business days to resolve the issue.

  
  

  Customer Answer

  Date: 01/29/2024

  Hi,

  
  

  I finally accessed the message from the BBB.  Of course this issue has not been resolved.  I just got a notification on 1/23/2024 that the Insurance company would respond in 10 days.  That 10 days has not elapsed, and I have not received a response from them.  I want to keep this issue open.  There has been no resolution.  The company is engaging in false advertising and has caused me an adverse effect due to the false information posted on the Marketplace website.  I  am still waiting on the resolution from the company.  See the screenshot below:

  
  

  Business Response

  Date: 02/09/2024

  BEST Life and Health contacted this consumer and resolved the issue to her satisfaction.  We apologize for any confusion this situation has created and thank her for choosing BEST Life for her dental coverage needs during the 2024 calendar year.

  Thank you,

  Customer Service

  **********************

  Customer Answer

  Date: 03/19/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ***************************
  
   
  

• Initial Complaint

  Date:12/24/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I enrolled in dental insurance with this business for the year 2021. During this time payments were unintentionally paid twice. I did not enroll in dental insurance with them in 2022. In early February 2022, I called regarding a refund for my overpayments. I was told I was not enrolled with insurance through them and would receive a check for overpayment in March of 2022. I did not receive a check. I called again in 2023 - and mentioned a check being sent from the above phone call and cancelation. December 2023 I was sent a notice of an insurance card - I have never re-enrolled in their services and have notified them of that in the previous customer service calls above.I do not want continued coverage from this business - nor have I enrolled in continued coverage. I want a refund for my overpayment in 2021.

  Business Response

  Date: 12/27/2023

  BEST Life and Health has reviewed and resolved this consumer's complaint.

  This member enrolled in dental coverage with BEST Life for both the 2021 and 2022 calendar year.  The termination date we received from the Marketplace was 12/31/2022.

  Because duplicate monthly payments were established, a credit did exist on the account.  That credit, in the amount of $397.68, has been refunded.   The refund is in the form of a mailed check, which will be mailed tomorrow, 12/28/2023, to the home address we have on file (this matches the home address listed in this complaint).

  We apologize for the delay in processing this refund, and thank this member for choosing us for their dental coverage needs.

  Sincererly,

  Customer Service

  **********************

• Initial Complaint

  Date:12/17/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had dental insurance with Best Life. I called and spoke to a service ******** policy was canceled 11.30.23, though I told them to cancel 10.30.2023. They said they'd cancel. I also called Market Place and advised them to cancel coverage. Best Life continues to auto draft my account and it's December!!! I recently moved and my bank is no longer available. I'm switching banks and closing the one they billed from. I should not have anything coming from it. Best Life has not over drafted me!

  Business Response

  Date: 12/27/2023

  BEST Life and Health Insurance Company has reviewed and resolved this member's complaint.

  Our records indicate the Marketplace terminated your dental coverage, with the last day of coverage being 12/12/2023.

  We have processed two refunds for coverage payments beyond this termination date.  The first refund was processed on 12/19/2023 for $392.84.  The second was issued today, 12/27/2023 for $35.10.

  Both of these checks have been mailed to the home address we have on file.

  We apologize for any inconvenience this has caused, and want to thank you for choosing BEST Life and Health for your dental coverage needs.

  Sincerely,

  Customer Service

  **********************

• Initial Complaint

  Date:11/19/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I enrolled through healthcare.gov for health insurance and enrolled for dental insurance as an add on plan with BEST Life and Health Insurance in 2022. I did not enroll with best life for 2023. Best life has continued to charge my account for the entire year of $23.14. When *** tried to login in the Best Life it says I dont have an account. It also says on my plans and programs on the healthcare.gov website that my best life plan was canceled but the company has continued to charge me.

  Business Response

  Date: 11/21/2023

  BEST Life and Health has reviewed and resolved this member's inquiry.

  This member did effect coverage with us on 1/1/2022, and established automated monthly payments with us.  In fact, multiple automated payments were established by her, resulting in payments higher than required.  Our internal process identified these multiple payments after several months, and terminated all but the true monthly premium payment needed.

  As the member did not contact us to terminate the automated payment schedule, coverage continued to be renewed each month into the 2023 calendar year.

  After review of the account, we have processed a refund for all premium payments purchasing coverage beyond 12/31/2022.  A refund of $565.15 will be mailed tomorrow, to the home address we have on file (and matching the address on this inquiry).

  We thank this member for choosing BEST Life and Health for her dental coverage needs.

  Sincerely,

  Customer Service

  **********************

• Initial Complaint

  Date:09/12/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  At the end of 2022, I switched from Best ***************************** to a different insurance provider through the Health Insurance Marketplace at Heathcare.gov. They were informed that my account had been cancelled, but I neglected to halt the auto-pay for my account, though, and they took payments for ***** in January, February, March, and April of 2023 before I realized what was happening. I called on April 25, 2023 and requested that the auto-pay be stopped and a refund issued for the payments that were made in error. They said I could look for the refund check in ***** I called again on May 16, 2023, to make sure that the cancellation and refund request had gone through. Again I was told that I'd receive a check in mid-***** I called again on June 22, 2023 to see if the check had been sent out yet. This time they told me it would be the end of July. I called again on August 4, 2023. They said they would look into it. I called again on August 10, 2023. The representative said that she would direct my case straight to their billing department, find out what was going on, and call me back soon. No one ever called me back and I'm tired of this. Despite confirming multiple times with multiple representatives that the payments were made in error and should be refunded, they seem to have no intention of refunding the money.Best ***************************** Insurance owes me $191.92. I just want the refund check as promised.I have also filed a complaint with the Department of Insurance Complaints.

  Business Response

  Date: 09/18/2023

  BEST Life and Health has reviewed and resolved this consumer's request.

  Due to clerical error, the refund of premium due to our member was not processed timely.  It now has been processed, and a check was mailed on 9/15/2023 to the address we have on file (which matches the address within this complaint).  The refund amount is $239.90, which is the amount of premium paid by the scheduled auto-payments previously established for coverage beyond 12/31/2022.

  We apologize for the inconvenience of this situation.

  Sincerely,

  Customer Service

  **********************

   

  Customer Answer

  Date: 09/22/2023

  
  Better Business Bureau:
  
  I have received the refund check, and we can consider this issue resolved.
  
  Thank you so very much for your help!
  
  Jymi Xoundefined
  
   
  

• Initial Complaint

  Date:04/27/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I started Best Life and Health Insurance Company in January 2022. I noticed in Sept./Oct. of 2022 I was being charged double every month so I called the company to ask why. A young man told me it was because my payments and the bill mailing was getting crossed in the mail. He said I only owed one month. So I ignored the double billing. I did not receive a January bill but I did receive a February bill and paid it. I have received no bills since. I called Best Life ******** about 6 to 7 weeks ago to ask where are my bills. A man kept saying I owed of ***. Feb. March. I told him no I paid a bill in Feb. and have received no more bills. He said he would send a bill. I never received a bill. I called again and spoke to a woman who kept getting confused and kept rambling I asked to speak to her boss and she said the supervisor was out to lunch it was 12:00 pm Eastern time. She said the supervisor would call me back. No one called me back so I called again at 2:00 pm and was told the supervisor was STILL out to lunchbut would call me back. A few days go by and NO ONE CALLED ME BACK AGAIN!!! I called another time and this new lady wanted me to send her all 12 months of my checking acount statements. I told her NO I just wanted my bill!! She said she would send it. I STILL HAVE NOT RECEIVED MY ****!!!!!!!!!!! AND NO SUPERVISOR HAS EVER CALLED ME BACK. I guess that is because the are out to lunch all day long! Last year I paid $360 for the year and never used my insurance even one time! I want my $360 back! I was really wanting to carry on with my insurance but this company will not send me my biLL!!!!!! I have been put through h*** and have spent hours on trying to get them to send a bill!

  Business Response

  Date: 03/19/2024

  Re: 
  Better Business Bureau (BBB) Complaint 19992089 
  BEST Life and Health Insurance Company 
  ******************, 
  BEST Life and Health has just been made aware of the above inquiry you filed with the BBB in April of 2023. Due to a clerical error, this inquiry was not responded to at that time. Despite that occurring, we did want to respond even at this late date. 
  Your complaint stemmed from a request to receive a copy of your billing statements and frustration you experienced with our **************************** You also requested a refund of the amounts you have paid while insured. 
  A review of your account does show that invoices were mailed for the most part, but due to some missed payments in May, June, September and November of 2022 the invoices ceased as the coverage terminated due to non-payment, resulting in some invoices not being mailed to you. This was also an issue due to payments not being received in January and February of 2023. 
  Your coverage was in effect from January 1, 2022 through January 31, 2023. Payments stopped after March of 2023 (which paid for the last month of coverage in January 2023). As that coverage was in effect and available to you, there is no refund available. 
  We apologize for the poor service you received from our *************************** and can assure you we strive to provide excellent service at all times. If there is anything that we can do for you at this time, please don't hesitate to contact us at ************, Monday through Friday from 7:00 AM to 7:00 PM Central Time. We can also be reached at ***************. 
  Sincerely, 
  Customer Service

  Customer Answer

  Date: 03/23/2024

  I don't accept a company response admiting they have poor customer service and took a year just to reply to the BBB. I don't request the BBB to do anything else at this time about this poorly ran company. This just being posted by the BBB for everyone to see will suffice. Thany you, *************************

  Business Response

  Date: 04/02/2024

  BEST Life and Health has reviewed this consumer's account again.  

  We spoke to the member on 3/31/2023 and detailed the account status for her. She stated the account status was incorrect, but was unable to give any detail as to why it was incorrect.  She contacted us again on 4/6/2023, stating that she had made payments on her account for which we had no record of receiving.  She was unable to give us any specific information on those payments and we were unable to assist her any further.

  She contacted us again on 4/6/2023 in which we advised of her account status and that she could reinstate her coverage, but she declined the reinstatment.  Our last contact with the member was on 5/2/2023, in which she called stating that BEST Life was trying to reach her (BEST Life did make attempted calls to her) but did not give the **************** Representative the opportunity to assist her before she terminated the phone call.

  At this point in time we would like to apologize for the poor service this consumer received, to state that there is no refund available on her account, and to finalize this complaint process.  We are not aware of anything further the consumer is asking of us at this point in time.

  Sincerely,

  ****************

  **********************

• Initial Complaint

  Date:03/27/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I began dental coverage with BestLife through yourhealthidaho.org in October of 2021. I was given a premium amount for my family, which I set up to be paid through the BestLife website automatically. I learned the premium amount was going up as of Jan 1, 2022, and began paying the higher amount through that autopay. In January of 2023, I learned that although my premiums were still being paid through autopay (and went up again for 2023), I had actually lost coverage on November 30, 2022 because BestLife and YourhealthIdaho had calculated my payments wrong, and I should have been charged a higher amount all along, which I was completely unaware and also never agreed to. I looked back through my monthly bills and saw that I had, in fact, paid the exact amount I had been billed every month. I have spent the past three months calling both Bestlife and YourhealthIdaho to try to get this resolved and each week, I get pushed off another week with absolutely no movement or resolution. BestLife continues to take my premiums each month (March of 2023 most recently) but has not given me insurance since Nov of 2022. I have canceled all dental appointments for my family of 6 this year and have bills from services in December 2022 that I am having to pay without coverage because it has taken so long to get this resolved.

  Business Response

  Date: 03/19/2024

  *******************************;
  2806 **********************. 
  *************, ** ***** 
  Re: 
  Better Business Bureau (BBB) Complaint 19858954 
  BEST Life and Health Insurance Company 
  **********************, 
  BEST Life and Health has just been made aware of the above inquiry you filed with the BBB in March of 2023. Due to a clerical error, this inquiry was not responded to at that time. Despite that occurring, we did want to respond even at this late date. 
  Your complaint stemmed from a request to for a billing adjustment due to a discrepancy between the premium calculations and billing amount. 
  Based on our notes, it appears this issue was resolved in April of 2023 and we see that your coverage has continued with us. We apologize for the inconvenience this situation created and want to thank you for your patience. 
  If there is anything that we can do for you at this time, please don't hesitate to contact us at *************, Monday through Friday from 7:00 AM to 7:00 PM Central Time. We can also be reached at ***************. 
  Sincerely, 
  Customer Service