Adcahb

I had a policy for hospital, and prescriptions along with a life and dental policy. I needed surgery and submitted copies of my policy to surgeon and surgery center, I WAS COVERED.

After the surgery the ADCAHB plan refused to pay, because it wasn't covered. I brought in a copy of the policy I copied and they showed me another policy, mine was deleted. The agent said ADCAHB would honor my copy, 6 months later and over 20 phone calls and 2 office visits, they refused payment and sent my account to a collection agency.

I am in medical school and could not lose my good credit for

the next 8 years of loans. My loss was over $2000.00(but they did pay for the antibiotics $4.00)

We signed up, never received insurance, they deducted money from our account, but never provided any coverage. The agent never returns phone cals or emails and is completely useless.

Another employee had a nasty attitude when I tried to explain our situation and my displeasure. I have never received this poor of service in my life.

I would strongly recommend staying away from these people at all costs. There really isn't much more that need be said but the requirement for this site is a minimum of 100 words so I will continue to type long enough to get there.

I was given in writing a quote for health & dental insurance. After activation I found out that the charges for the quoted insurance was 20% higher than on the written quote, plus they did not include the promised dental plan.

On top of it they slammed me with a life insurance policy that i neither authorized nor ordered. I have spoken to management to no avail... I found that the dental insurance was never issued when I brought my daughter to the dentist. All this (well most of it...) could have been prevented.

I contacted the sales agent on 10/25/10 he promised me he would take care of it and that it was a simple mistake in Jacksonville. I explained to him that i needed to know as soon as possible in case i needed to re-instate my old policy which i only had til 10/29/10 to do so. He promised a call that i never got. On 10/28, on my way to the airport for a business trip, i called again, explained the urgency of the issue, and again he promised me he would take care of it immediately and not to worry.

I explained again that i needed to know by the next day or i wouldn't be able to re-instate my old policy, again, he promised to call, but i never got the call. The following monday, after i could not re-instate the policy. he explained to me that he had quoted me wrong, and that the policy price he provided was for a policy with $2,500 deductible, and not the one with $250 deductible on the written quote. A few days later i received a life insurance policy issued by them that i did not order.

and finally contacted blue cross/blue shield to find out about my dental insurance, and found out that one was never issued. Please help. This is a clear case of bait and switch. I'm afraid they are also slamming others as they did me.

Management doesn't seem to care. I called spoke to Stacey Zeitin?? and also to Naidine. I asked Naidine last week, (wednesday or thursday) for a call back, so they would explain what is it that i currently have (or don't) and have not heard back from anyone there.

As for the agent.

Edward Hernandez... I don't want to communicate with since he completely lied, was deceptive & negligent in handling my issue.

You can contact me at: alex@***.com