ComplaintsforColonial Health

• Initial Complaint

  03/11/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  We bought this insurance for my wife. It didn't pay for s*** ************ is a fraud. Now we owe ***** dollars to the hospital. After our child was born we canceled. We should get a refund back of how much we paid this insurance

• Initial Complaint

  12/11/2023

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  I have been charged by Colonial Health 269.95/month since February 2021 to the present for heath ********* I do not have. I do not ever recall having contracted with Colonial Health for their services and would have no need to, as I am fully insured by my employer. I have not been able to address this matter sooner for personal reasons. Their low rating now has me deeply concerned that I may be a victim of fraud.

  Customer response

  12/13/2023

  Thank you for your help.  Another follow up concerning my pending complaint re; Colonial ****** I was able to reach them Monday at ************. ******* I spoke with said they have no record of a cancellation until THIS MONTH. This does not represent the entire story. My daughter began receiving random emails from them recently and finally responded Monday asking them to stop. CH is treating this as the date of cancellation, but in fact happened no later than 9/2022 when she began her new job with a different insurance provider. Sh was very frustrated by the cancellation process, needing to make several phone calls until being assured the policy was cancelled. Only now we found it it wasnt.

• Initial Complaint

  10/17/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  My daughter and I have contacted this business for months we are either hung up on or disconnected. I pay for the ins it covers my daughter she cancelled it in July they say they have no record so they continue to keep taking it out for the last 3 months Im tired of being ignored

• Initial Complaint

  03/14/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I signed up for a policy with this company, which I found on the healthcare.gov website. The representative that I spoke to stated that they offered a 30-day look, and that the policy could be canceled during that window. My policy start date was December 1, 2022. I sent an email to the contact that I was given on December 27, 2022, within the 30-day cancellation window. I never got a response, and I have been charged $324.95 every month for a policy that is useless. This is not even health insurance; it is a membership plan that I can't use. I told the representative that I talked to that I was seeing a mental health care provider for EMDR treatments. It turns out this membership plan only allows four doctor visits per year. I tried to find a provider and was not able to find one to continue my treatments. This is a complete ******* preying on people looking for low-cost health insurance. I am 64 years old and cannot afford to be taken advantage of like this. I want a refund.

  Business response

  04/21/2023

  Dear ****************,
  Please accept our apologies. After some careful research it was determined that a cancellation letter was received and unfortunately overlooked.  We have immediately credited you back your monies as you did cancel within the first 30 days and were entitled to a full refund.
  Once again, we apologize for any inconvenience and if you have any additional questions, please do not hesitate to contact the customer service department at *************.

  Customer Service

• Initial Complaint

  09/17/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had three hospital visits along with the *** none of which were covered and I had turned out I had shingles, than I found out I did not purchase medical insurance at 500 dollars a month which I was told I was purchasing but a discount card. My card did not come until after my visits so I did my know. After receiving my card on bottom of card in fine print says not a health insurance. Do not get scammed by this company.

  Business response

  10/14/2022

  Hi *****,

  Thank you for taking my call this morning.  As I explained during our conversation, I reach out to ********************** to get additional information and see how I can help him with his complaint.
  

  I was unable to find ********************** in our system and reach out to him for additional information. We had gone back and forth several time and after much debate ********************** requested that I contact the BBB as he felt they may have filed the complaint under the wrong company as he had never heard of Patriot Health.

  
  Please reach out to ********************** and confirm this information as I do not want this complaint to appear on our profile.

  
  Patriot Health, Inc. 

  Business response

  10/14/2022

  Hi Ms. ******************** style="font-size: 0.875rem;">************** purchased a Colonial Health membership in the ************************** (UCA).

  This membership contains an array of consumer benefits including: ********************************** coverage; ************************ coverage; access to a provider network that provides discounted rates; and various non-insurance benefits.

  This membership is sold by independent licensed agents. The enrollment form clearly states that the membership is not major medical insurance. In addition, members are given 30 days to cancel and receive a refund.

  Immediately upon purchase, members are provided a link to logon to their portal. Records indicate that ************** purchased her membership on August 1, 2022 and logged on to her portal August 31, 2022. The portal contains all her membership information, including brochures that outline what benefits are provided and her insurance documents. ************** did not cancel her membership until October 3, 2022, she was issued a refund for the last month.

  We are disappointed that ************** is not satisfied with her UCA membership.

  Sincerely

• Initial Complaint

  07/07/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On March 30th I went through www.healthenrollment.org to obtain health insurance for my husband and I. I explained to the agent that I was 47 and my husband is 52 and we needed health insurance incase of emergency as well as for annual check ups.I sent this email the same day to the company: "I just signed up for health insurance for my husband and I and after looking at what was offered: Colonial Health AKA Chubb Insurance, and being told that Axia Women's Health accepts this company I see they do not. I was told to pay and get it today because it will cost more tomorrow. I am concerned I just got scammed out of $604.90."They wrote me back saying that it was not a scam and we'd be covered. I cancelled the policy June 29th because NONE of our visits were covered. I was told when I cancelled that it was not health insurance but a membership and the agent that sold it to me would be reported. I paid $600 monthly thinking it was health insurance and now owe $2500 in hospital bills.

  Business response

  09/10/2021

  Business Response /* (1000, 14, 2021/07/23) */ Dear Ms. *******, We see that you purchased an association membership that included insured and noninsured benefits On March 30, 2021, and your effective date was April 1, 2021. This membership contains an array of consumer benefits including Group Hospital Indemnity Insurance coverage; Group Accident Insurance coverage; access to provider network that provides discounted rates; and various non-insurance benefits. This membership is sold by independent licensed agents. Prior to enrolling into the membership, you were provided an electronic document (E-signature) explaining all the benefits and amounts. The document clearly states that this is a limited benefit health coverage and that it is not a major medical plan and is not subject to the minimum standards required by the Affordable Care Act. The plan shall pay the benefits amount listed in the schedule of benefits that will be included in the membership materials sent to you upon enrollment. If your medical costs exceed the benefit limits, then you will be responsible for any charges above those limits as defined in the plan. It also explains that you are provided a 30-day look period and if you are not completely satisfied, you would receive a full refund if the benefits have not been used. These statements are also included in the welcome letter that was sent to you with your ID cards and in the welcome email that you were sent the moment you became a member. We have checked with claims and see that you have received great repricing's for the Women's Health Group. We are disappointed that you were not satisfied with your membership. As per your request your plan has been canceled and no further monies will be taken from your account. If we could be of further assistance, please do not hesitate to call. You can contact Regina Schreiner at (XXX)XXX-XXXX Ext 204 Consumer Response /* (3000, 16, 2021/07/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) The agent recorded the call and I asked several times if this was medical insurance and he made me sign and not read the agreement while I was on the phone with him. He also stated I could NOT use the "insurance" for 30 days so how was I supposed to cancel if I did not know that it was not insurance that I signed up for. We never received cards in the mail. This company is a scam. I do not accept their response. Business Response /* (4000, 18, 2021/08/06) */ Dear Ms. *******, We are sorry you feel this way. As stated previously the plan includes insured and non-insured benefits. You had access to all your benefits, and you viewed all of them when you signed into your online fulfillment portal on April 1, 2021. You accepted the pop-up that this was not a major medical plan and that it did not meet the minimum standards required by the Affordable Care Act. On this same day you downloaded your insurance benefits brochure, E-signature, membership card and your Limited Indemnity Health Insurance Certificate. As of this date you still had 30-days to cancel the membership and receive a full refund. We will continue to be here to help you with any questions you have, you can contact ****** ********* at (XXX)XXX-XXXX Ext **** We wish you the best of luck in the future. Thank you. Consumer Response /* (4200, 20, 2021/08/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept their excuse/response for scamming me over the phone. They said the call was being recorded so could you submit me asking "is this health insurance?"

*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. ↩