Complaints

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:05/30/2024

  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.

  February 23rd, ******************************************* health insurance. After finding a provider, I was transferred to Millennium Health Advisor & spoke with *********************. He completed the enrollment & set up automatic monthly payments of ******. A month later, I started working with an employer who offers health benefits. I canceled the insurance through Health Sherpa website & confirmed coverage would terminate 4/30/24. Today, I happened to look at my bank account & a transaction of ****** was completed 5/13/24 through amember.com. I would like this payment refunded as the policy was canceled when payment was pulled.

  Customer Answer

  Date: 06/03/2024

  I received an email from AMEMBER.COM who refunded they funds 6/3/24. 

  Thank you.

  Business Response

  Date: 06/04/2024

  We are very sorry for any confusion about this purchase. Affiliated Workers Association ***** is a non-profit association that provides access to resources and benefits to its members. We are not an insurance company, and we are not the insurance agency that sold this to you.We have contacted our third-party billing administrator (***) to inquire further about your account. The majority of the products you purchased were not provided through **** Your insurance agent sold you 3 products and only one of those three was an AWA ********** product. According to the agents notes on your account, there was also an ACA marketplace plan through ****** As we and the *** are not insurance companies, we are completely unaffiliated with Health Sherpa and would not have known that you had cancelled that coverage. Based on a review of the login history of your account, it appears as though your only communication has been with the sales agent or his company. Your sales agency on your account is listed as Millennium Health Advisors, ************** based in *******. The *** also confirmed that your account has been cancelled and refunded as requested. Please check your email for the confirmations. Please allow time for your cards issuing bank to process these refunds. We will attach your E Sign document. Please see your agent information on page 1. We again apologize for any confusion regarding your account and any negative experience you may have had.

  Customer Answer

  Date: 06/12/2024

  I have reviewed the business response and accept this resolution. 

  I received an email from AMEMBER.COM who refunded they funds 6/3/24. 
  
  Thank you.

• Initial Complaint

  Date:05/30/2024

  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.

  Date of transaction 5-30-2024. Amount paid ******. The business attempted to provide me with Healthcare. Once I talked to a friend they did research and found out the company is a scam so I called to try to cancel and they threatened me and told me I was unable to cancel. The transaction name of the fraudulent company is Amemberbill.

  Business Response

  Date: 06/03/2024

  We are very sorry for any confusion about this purchase. Affiliated Workers Association ***** is a non-profit association that provides access to resources and benefits to its members. We are not an insurance company, and we are not the insurance agency that sold this to you.We have contacted our third-party billing administrator (***) to inquire further about your account. Amemberbill.com is simply a URL that directs to a billing information website that the *** uses on billing statements and is not a company or entity. The majority of the products you purchased were not provided through **** Your insurance agent sold you 3 products and only one of those three was an AWA ********** product, **************** Based on a review of the login history of your account, it appears as though your only communication has been with the sales agent or his company.Your sales agency on your account is listed as CNC *************************************** based in *******. The *** also confirmed that your account has been cancelled and refunded as requested. Please check your email for the confirmations. Please allow time for your cards issuing bank to process this refund. We will attach your E Sign document. Please see your agent information on page 1. We again apologize for any confusion regarding your account and any negative experience you may have had.

• Initial Complaint

  Date:05/08/2024

  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.

  My son was trying to get health insurance since he did not have any so we went on the internet and found a marketplace that offered BCBS. This was in January, 2024. I talked to the gentleman as well and he explained the coverage my son would be getting and stated it would be $119.94 a month. We accepted this amount and I gave him my bank routing and account number. So in January, 2024, they took $119.94 for February, 2024, and in March, 2024, they took $119.94. My son called and cancelled the policy on 3/14/24 because he found a job that had insurance. But when April, 2024 rolled around they still took $119.94. My son called BCBS and they told him that his policy was cancelled and we took it as no more payments would come out. Then May, 2024, and it was taken out again $119.94. I called this time and was told by BCBS that the policy was cancelled on 3/14/24 and that the monthly bill since the policy was opened was $0.00 a month. That is not what we were told in January, 2024. I googled the name that was taking the money from my checking account which was amemberbill.com and found out that this may be a scam. I have contacted my bank and will be putting a stop payment on further deductions from amemberbill.com. How can I get my money back which has been taken from my account?

  Business Response

  Date: 05/09/2024

  We are very sorry for any confusion about this purchase.Affiliated Workers Association ***** is a non-profit entity that provides resources and benefits to its members. We are not affiliated with ********** Blue Shield. The sales agent that produced this sale is likewise not affiliated with **** Our products, however, are often sold to help supplement an insured plan with additional resources or discounts. As it would be a violation of Federal HIPAA laws to give specific account information to someone other than the primary of the account, this is as much information as we can offer for this complaint. After reviewing with our third-party administrator (TPA) who handles the billing and administration for our association, it is our understanding that this individual has been contacted and a resolution made. We again apologize for any confusion. 

• Initial Complaint

  Date:04/26/2024

  Type:Customer Service 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.

  This is the welcome email I recieved on April 1. I wanted to use my prescription benefit on 4/10/24 to request cancellation now as this package was misrepresented to me. I got a lot of scare tactics that I wouldn&#**;t be able to get other insurance, I MAY get a refund, etc. IF I do get a refund, I will get it within 10 business days. Now still no refund. Never used the services. Call back today and the run around: sorry cant help, acted like getting a supervisor was an issue. Talked to "The Director of Customer Service" and again states it will be canceled at the end of the cycle 4/30.

  Business Response

  Date: 04/26/2024

  We are very sorry to hear about your struggle with this purchase. You have never spoken to the Affiliated Workers Association ****** We contacted the third-party administrator (***) that handles the monthly billing and administration of this account and they have never had contact with you either. It seems these interactions were all happening with the insurance agency that sold you these *******s, NXT Level Health based in ***************, *******. Our *** said you purchased one AWA ******* within a suite of several other different *******s at the time of purchase. You will have other emails that explain those other items. Your enrollment email will have the list of what was purchased. You were within the 30-day free-look period so are absolutely entitled to a full refund. The *** says they have refunded this account and sent an email confirmation to the email on the account.Again, we are very sorry for this experience and hope that the refund helps to resolve this complaint. 

• Initial Complaint

  Date:04/10/2024

  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 was charged $890.94 for **************** on 4/5/2024 from my account. I have a member ID *******82 and a Transaction ID. I really need for this money to be refunded into my account so that I can buy my husband health insurance. The services they were to provide where **************** AD&D, Direct Access DVH, *** continue Care AE, Allstate ID Plus, TVP Health Plan 3, VP ******************** I never received any information or cards for any of these services.

  Business Response

  Date: 04/18/2024

  We are so sorry for the difficulty you have had. Any membership materials that are mailed can take at least 8-10 business days to receive. All member materials, including ID cards are also available immediately upon enrollment via the secure Member Portal. The account has been cancelled and refunded. Please see the documentation attached. We hope this helps and again apologize for any difficulty you encountered during this process. 

• Initial Complaint

  Date:03/28/2024

  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.

  I thought I was getting health care coverage but it is not. I would like to get a refund.

  Business Response

  Date: 04/02/2024

  We are so sorry that the products did not meet your expectations. Please accept a refund. Confirmation of refund will be sent to the email address on file, ************************. Our association does not offer access to major medical insurance. Please see the attached E sign that we require to be signed by the consumer during membership enrollment at the point of sale. Page 3 states, in bold, that these products are not a substitution for a major medical coverage.  On page 1 of this same document is the name of the insurance agent and their agency which sold this plan. If there is an issue with the sales presentation of this product, please contact that entity. We will also follow up with our administrator, as we do not condone misrepresentation. We can assure you that this account is now cancelled and will not bill you any further. We again apologize for any misunderstanding about what these products offered. 

  Customer Answer

  Date: 04/04/2024

  I am happy to get a refund which they stated they would provide.  I do not have an email from them confirming that as of 4-4 2024.  Do they have a certain amount of time to send that information to me?

  Customer Answer

  Date: 04/11/2024

  I have reviewed the business response and accept this resolution. 

  I am happy to get a refund which they stated they would provide.  I do not have an email from them confirming that as of 4-4 2024.  Do they have a certain amount of time to send that information to me?

• Initial Complaint

  Date:03/20/2024

  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.

  I cancelled this policy as of 12/31/2023. I received email confirmation the policy was cancelled on 12/12/2023 (see below)We were charged $****** for the months of Jan, Feb and Mar 2024 for a total of $2,274.93 Plus there was a charge on 12/14/2024 for $719.31. (two days after the email stating there would be no more charges.)On the call the **************** representative (**********) said their notes show it wasn't cancelled for ****, only for ******. That is clearly NOT what the email states. I did not discover the continued charges until March. When I called on 3/20/2024 they only said they would give me a one month refund ($******) With written confirmation of the cancellation I feel the entire amount should be refunded.AWA has offered to process a refund of ****** (one month) *********************** Services <********************************>Dec 12, 2023, 7:**** to ***, mgr CANCELLATION CONFIRMATION ****** ID: ********* Dear ****:This notice is confirmation that your membership has been cancelled. You should not incur any further charges and your membership will terminate at the end of the most recent paid cycle. Please consult your membership materials to confirm the details of the program(s) that are terminating.If you believe your membership has been cancelled in error, please contact our ****** Services team promptly for assistance. You can reach us by phone at **************, Monday through Thursday from 8:00 am to 5:00 pm and Friday from 8:00 am to 4:00 pm Central Time.Thank you,****** Services

  Business Response

  Date: 03/25/2024

  We are so sorry that this has happened. We have researched your account in cooperation with our third-party administrator (TPA)who handles the monthly billing for this account. We can confirm that your request was received.Due to a miscommunication in the cancellation process, these products were left billing and active. Our TPA has confirmed with us that they have now been cancelled and refunded. Please allow 3-5 days for those refunds to be processed completely. They will come back in the original amounts that they were billed and may not all clear on the same day. The email address on the account ****************** will receive confirmations. Please accept our apologies for this mishap.

  Customer Answer

  Date: 03/30/2024

  I have reviewed the business response and accept this resolution.   Refund was processed and completed.  It is unfortunate that the **************** representative did not handle this properly and required a formal complaint, but this issue has been resolved.  Thank you BBB and the business for handling this promptly.

• Initial Complaint

  Date:03/04/2024

  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 have been charged a total of $775.86 from amemberbill.com and have proof of the statements on my account. I want a full refund as I have not seen any medial documents or anything physically to sign telling me any information. I need my money back.

  Business Response

  Date: 03/07/2024

  The Affiliated Workers Association ***** does not have any record of this person being a member of our association. This would mean she has not enrolled in any of our membership levels. We went to the amemberbill.com website she referenced and saw they have a phone number listed, **************. We would recommend her calling that number to find out what it is she purchased and to further pursue her inquiry. We are sorry we could not be of further assistance, but this individual has not transacted any business with the **** We sincerely hope she is able to contact the correct parties to have her issues resolved. 

  Customer Answer

  Date: 03/07/2024

  Hello, 

  This company took $735.00 of my money. No proof of insurance and I have proof that this was charged to my account. This needs to be resolved and returned as this has happened to multiple people regarding this company. 

  Customer Answer

  Date: 03/13/2024

  I am rejecting this response because:   

  Hello, 
  
  This company took $735.00 of my money. No proof of insurance and I have proof that this was charged to my account. This needs to be resolved and returned as this has happened to multiple people regarding this company. 

  Business Response

  Date: 03/14/2024

  To clarify the relationship,that phone number was provided to the *** for use with their ******s by their third-party billing administrator (***), ***************************** (PHS). The *** has a contract with this company to handle the billing and administration of their association benefits, but this entity works with other associations, groups and companies as well.
  
  This clarification is also on ************************ where it states, before the ****** Services contact number, We (PHS) have a variety of third-party relationships with numerous carriers,health sharing vendors, vision insurers, dental insurers, prescription benefit providers, telemedicine, and ancillary product providers. We work with these providers to help give access to these products for agencies and agents who are in a position to sell them to the end consumer.  We also work with a variety of insurance brokers and agencies to help bring the products to market.  We subsequently aid in the collection and remittance of premium and non-insured fees at the time of sale. If your bank or credit card statement lists this URL, then you have purchased a product from an agency that sells association ******ships, as well as other ******ships and programs.   The *** is one of these many relationships.
  
  Whatever products were purchased by this consumer, may use the same *** (PHS) as the ***, therefore could have the same service phone number. The fact remains however, that this person is not a ****** of this association and has not transacted any business with the *** at all. Were sorry for the confusion but this is not an *** ****** therefore the *** cannot assist with this complaint.  As that is the phone number to PHS, we suggest that you contact PHS directly. If they are the *** for this consumer, they would be the ones to better provide an answer to this complaint. 
  
  Thank you.

• Initial Complaint

  Date:12/03/2023

  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.

  ** were shopping around for health care... someone called us from AWA ** thought we were signing up for health care but have never gotten any kind of paperwork from said insurance.. we have been charged ****** a month for the past three months. With no policy info and now my husband is out of meds and nowhere to go for health services

  Business Response

  Date: 12/06/2023

  We are so sorry to here of the difficulty experienced with this purchase. We have cancelled and given a refund to try and assist in resolving this complaint. Confirmation has been emailed to the address on file.Please allow 3-5 business days for the refund to clear, depending on your financial institutions processing times. Attached are your policy documents for your review. 

  Customer Answer

  Date: 12/07/2023

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:11/28/2023

  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.

  I was sold health insurance through a company called Healthy Shield, ************************ or **** I am unsure which company I paid b/c this has all been very shady dealings. I was told by selling agent *****************************, ID # ****** that the coverage included both imaging and prescription coverage. When I got the cards, they are discount cards and say "not health insurance" on them. Additionally, when you call them the hold music says "regardless of what we say on this call, the policy documents govern". This company is scamming people into buying insurance that isn't insurance. I need an imaging test done that I specifically asked about when sold the insurance that isn't covered. I want my money back. The first payment was debited on my account with the tag "amemberbill.com" on 10/2 in the amount of $479.31 and then on 11/3 in the amount of $354.31. for a total of $833.62. The phone # for this company is ************ they are out of *****. I would like my money back in full as this insurance didn't actually cover anything.

  Business Response

  Date: 11/29/2023

  We are very sorry for the difficulty this member has had with this purchase. ************************ is the third-party administrator (TPA) contracted to handle the billing and remittance of monthly payments for this account, only, and yes, we are based in *****. We are not the product producer, and we are not the insurance agency that sold this to this member. This is why they found our information on their bill because that is what we do, the billing. For questions regarding the sales process, it would be best to contact the selling agency of record. Priority *************************, **************, ************************************** **********************************************************************. In an effort to resolve this complaint, we have processed the requested cancellation and refund from our role as TPA. Please allow these refunds 3-5 business days to clear the account. We hope this helps and we are sorry again for any difficulty that *** have been experienced. 

  Customer Answer

  Date: 11/29/2023

  I have reviewed the business response and accept this resolution.