Business ProfileforHealth Benefits Center

Steven Dorfman, who is listed on Sunbiz as a principal of Health Benefits Once, LLC, is also listed on Sunbiz as a principal of Health Center Management, LLC. BBB has a separate profile on Health Center Management, LLC:
https://www.bbb.org/us/fl/hollywood/profile/insurance-agency/simple-health-plans-llc-0633-90342775

USA vs Steven Dorfman, Candida Girouard, John Sand.

As of February 24, 2022:

A federal  grand  jury  in  East  St.  Louis  returned  an indictment  charging  a  former  owner  and  two  top  tier  executives  of  a  south Florida  telemarketing business known as Simple Health with federal fraud offense.   Former owner Steven Dorfman, 37, of Fort Lauderdale, FL, former Chief Compliance Officer, Candida L. Girouard, 45, of Valrico, FL, and former Vice President of Sales John A. Sand, 47, of Fort Lauderdale, FL, were all charged with one count of conspiracy to commit mail and wire fraud, four counts of mail fraud, and eight counts of wire fraud.

Simple Health, also known as Health Benefits One, sold health insurance policies over the phone. The  vast  majority  of  the  policies  sold  by  Simple  Health  were  limited  indemnity  plans.  
Limited indemnity plans have a relatively low cap on the amount of medical expenses they will cover.   After those caps are reached, the patients are responsible for paying 100% of their 
medical expenses out of their own pockets.

The  indictment  alleges  that  Simple  Health  employed  a  deceptive  sales  script  to  trick people  into purchasing the limited indemnity plans.   Among other things, the script required the 
Simple Health salespersons to tell the customers that:   “The whole idea of this plan is to make your out of pocket expenses as low as possible . . . .” and “When all is said and done, you end up with pennies on the dollar!!”   Relying on these and other false and misleading representations, thousands of people across the country purchased limited indemnity plans from Simple Health.   According to the indictment, after customers purchased these policies, they frequently called Simple Health’s Customer Service Department and complained that (1) they had incurred significant medical expenses that they had been led to believe would be covered, but were not; (2) their doctors and hospitals did not accept the limited indemnity plans; and (3) their prescription drug costs were not covered, contrary to what they were told when the purchased the policies.

Dorfman, Girouard, and Sand are scheduled to appear in federal court in East St. Louis on Monday, March 7, 2022, for their arraignments.   Because the alleged scheme was conducted via telemarketing and victimized ten or more persons over the age of 55, the maximum penalty for the conspiracy count is 30 years, pursuant to the SCAMS Act.   Each of the mail and wire fraud counts carries a maximum sentence of up to 20 years in prison.   In addition, the defendants can be ordered to pay full restitution to the victims.

LINK: https://www.justice.gov/usao-sdil/pr/owner-and-two-top-executives-south-florida-health-insurance-telemarketing-business