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Business Profile

Health Insurance

Ideal Concepts, Inc.

This business has applied for BBB accreditation.

Complaints

Customer Complaints Summary

  • 8 total complaints in the last 3 years.
  • 3 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:02/18/2025

    Type:Billing Issues
    Status:
    Answered
    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.
    In April 2024, Someone from this company by the name of ******* ****** fraudulently signed me up for a marketplace insurance policy in **, with an address in ** and I live in **. Ive never been to Nv or have I ever talked to this **** ****** whose npn was found on the fraud account! I found out about this info as of 2/17/25. No wonder why they were ranked to have the most production for *** they are opening up fake accounts!

    Business Response

    Date: 03/12/2025

    Thank you for reporting your concerns. We looked into this issue and have addressed the root cause.

  • Initial Complaint

    Date:02/03/2025

    Type:Billing Issues
    Status:
    Answered
    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 was contacted by an insurance agent about my ambetter plan and following up on that I spoke with an agent and was asked if I was interested in vision and dental plans and I said yes. She gave me the the best plan she said , she only disclosed that the plan was to be $50 for the both plans and when I looked at my account the day of the transaction they charged me $110 . I called and the *** tells me that I was charged an enrollment fee, mind you she never disclosed this in speaking to her earlier I assumed this was gonna be free as the same as ambetter ins , because people are struggling enough and I can't afford to get coverage I need. The ins just became active but I never used the ins so I called to cancel and she tells me I can cancel but I can't get a refund. that should not be I never used the ins, just became active on 01 /29/2025.

    Business Response

    Date: 02/05/2025

    Thank you for bringing this concern to our attention.  After investigating the issue further we have found the following.  On 1/15/2025, the consumer spoke with employed agent ****** *****.  During this call, the consumer asked about dental and vision options which employed agent ****** ***** explained to the consumer.  Following the explanation, the agent provided the consumer with the price points of $50 a month for dental through a separate association membership, or $60 a month for dental and vision through a separate association membership.  Employed agent ****** ***** also informed the consumer of the $50 dollar enrollment fee that would apply when signing up for the separate association membership.  The consumer confirmed that they wanted to enroll into the dental and vision benefits and employed agent ****** ***** sent the consumer agreement, which the consumer signed that included the price of $110, for the separate association membership and the one-time enrollment fee.  This agreement stated, association membership and enrollment fees are non-refundable".   Please note, we can confirm that the consumer has received a one-month courtesy refund of $60, has had their membership cancelled, and will no longer be charged for the membership. 

  • Initial Complaint

    Date:09/17/2024

    Type:Billing Issues
    Status:
    Resolved
    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.
    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

    Regards,

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

    Business Response

    Date: 10/08/2024

    Thank you for bringing your concern to our attention.  We are a licensed insurance agency and contact consumers who have currently or previously indicated an interest in our services and/or products we offer. We previously received a health insurance inquiry from the consumer, and reached out to the consumer recently to determine if they had any current health insurance-related needs that we could assist with.  However, per the consumers request, the consumer was added to our internal DNC list on 10/2/2024 and will therefore no longer be contacted.

  • Initial Complaint

    Date:11/08/2023

    Type:Order Issues
    Status:
    Answered
    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.
    What is the information on this complaint?

    Business Response

    Date: 12/13/2023

    Good Morning,

    While the life benefits offered through a SureMed association membership were changed last year, every member received notices by email, mail, and through their member portal for a reasonable period of time.  In response to this particular problem, the consumer was emailed on 6/30/2022, had a notice posted in their SureMed member portal, and was sent paper mail to their address on 8/17/2022.  This notice provided the customer with, conversion rights for any life insurance coverage lost, which allows [the customer] to continue to maintain [their] original life insurance coverage amount. [They] have until October 1st, 2022, to elect this conversion right.  The notice then provided the customer with SureMed’s Member Services number to opt into this conversion right. 

    Best,

    Compliance Department
    Ideal Concepts, Inc.

  • Initial Complaint

    Date:07/05/2023

    Type:Sales and Advertising Issues
    Status:
    Answered
    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.
    This company as well as other insurance companies continue to harass and call me non stop. I want to be removed from their call list. I have no idea where they got my number from.

    Business Response

    Date: 07/11/2023

    Good afternoon,

    We had received this consumers phone number from one of our lead vendor partners websites, where it was submitted as part of a request for quotes/information on health insurance.   As a result, our company contacted the consumers phone number.  In accordance with their request, we have now added their number to our internal Do-Not-Contact list, so they should no longer receive calls from our company.

    Thank you,

    Compliance Department

  • Initial Complaint

    Date:04/10/2023

    Type:Customer Service Issues
    Status:
    Resolved
    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.
    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

    Regards,

    ***********************
    properly and her claim is just sitting there. My mom is not able to work right now because of the stroke and she has bills. I'm being denied a copy of the policy my mom is paying for. I want solid answers and this resolved. I've made numerous calls to sure med. I have also reached out to met life who has stated its not true what sure med is claiming. Sure Med keeps claiming they are closer to being able to send over claims. But that time has never came and things don't seem to be making any progress here. Please help.

    Business Response

    Date: 04/28/2023

     In response to the complaint filed by *********************** (ID *********, we are currently working on a resolution. 

  • Initial Complaint

    Date:03/28/2023

    Type:Billing Issues
    Status:
    Answered
    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 was paying 80 dollars a month for this insurance I had critical illness claim in January they keep putting me off saying there still waiting to submit the claim to so other company. I was supposed to be paid 10.000

    Business Response

    Date: 04/25/2023

    I hope you are doing well.  In response to the complain filed by ********************* (ID *********), we are currently working on a resolution.  We were able to submit the members claim to the carrier (on 4/17/2023) and are waiting on them to process the claim in question.

  • Initial Complaint

    Date:11/07/2022

    Type:Sales and Advertising Issues
    Status:
    Resolved
    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.
    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

    Regards,

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

    Business Response

    Date: 11/14/2022

    To whom it may concern: 

    Thank you for reaching out. We have completed the investigation of the complaint from **************. We have determined that independent agent ****** ************************* did not enroll **. ****** children in the plan they discussed during the initial sale on 06/08/2022. Independent agent ****** ************************* did eventually complete the enrollment on 10/21/2022 with **. ****** children being enrolled effective 10/22/2022. However, we recognize that this does not fix the initial issue of **. ****** children not being enrolled when they were supposed to be, resulting in out-of-pocket expenses. 

    As such, we will be issuing ************** a copy of the E&O insurance information for independent agent ****** *************************. ************** can file a claim against the agents insurance for the aforementioned out-of-pocket expenses.

This business has applied for BBB accreditation.

pending BBB accredited business seal

Ideal Concepts, Inc. has applied for accreditation with BBB, and our initial review has found it to meet the BBB Accreditation Standards. Accreditation is pending consideration by the BBB Board of Directors, as required by BBB policy.

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