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5 TOTAL REVIEWS
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Refuse to cancel plan and refund my money since April.
When I signed up with IAB, they made it sound like a great plan. I soon found out that it wasn't and cancelled the plan, or so I thought. I have sent 4 e-mails and made several phone calls and they still have not cancelled the plan. I am a single mom on a fixed income and they just took over $200 dollars from my account for a plan I cancelled on April 17th, 2012. I am beyond pissed at this point. This company owes me over $600 dollars and I want my money!!!!!!!!!!!!! I do not recommend IAB so called insurance to anyone.
Please ask your reps stop the harassment by calling my number 908-788-**** every day. I told them so many times that they have the wrong number. There is no such person call Nick XXX. The harassment started sometime in May. Following are the most recently date and time they made the harassment calls: 7/9/2012 11:58am, 7/10/10:10am, 7/12 2:25pm and 5:54pm, 7/6/2012 1:57pm, 7/5/2012 3:01pm, 7/3/2012 4:39pm, 7/2/2012 4:06pm, 6/29/2012 4:52pm, 6/28/2012 5:38pm, 6/27/2012 3:19pm, 6/26/2012 5:18pm, 6/25/2012 3:57pm, 6/22/2012 4:10, 6?19/2012 8:09pm. This is the number your reps use to call me: 956*-376-****. They claim they are from IAB Health. If you don't stop this harassment, I'll file the complaints to BBB and other authorities. Roger
Flemington, New Jersey
Shocked and soon to be former member
We enrolled with IAB back in May of this year. The woman who sold us the plan TOLD US that we were entitled to a full EMERGENCY COVERAGE in the amount of $5,000. Soon later, our 5 1/2 months old son had a fever of 104 degrees. As common sense will tell (and every pediatrician in the country would agree on), we rushed him to the ER; and I submitted the IAB card which the hospital took and I supposed processed. Two weeks later we received a bill for $290.00 for ER services, which we submitted to IAB for payment as we thought we were covered under the $5,000 umbrella. This billed was not paid so we get a second bill from the hospital and this time after juggling between phone numbers I finally reach the billing supervisor. She tells me that "the hospital that we went to is not in the network so we can't pay the bill; that THIS WAS NOT AN ACCIDENT, therefore we are not covered by the $5,000 umbrella for emergencies and that if I 'in my heart' believe it was an emergency, that I should directly submit a claim to the insurance company because that's all they are going to do from their end. FANTASTIC ENDING miss Supervisor, kudos to you for dismissing a member in such a rude way! and yes, in my heart, my common sense and my doctor's opinion, THIS WAS an emergency! In our view this was a complete SCAM AND A RIP-OFF (not to mention that is also a breach of contract) by those who sell themselves as "advocates" of their members; it turns out that now I have to find an advocate for myself to deal with them , I don't see where or who gave this entity the power to define what is and what is not an accident. I am even considering legal representation or suing them along with other people who have been mislead by their cheap sales pitch. It is bad enough that you pay for a service that very few physicians know about (that is another story) but also that is presented to you with a bunch of lies. If anyone from IAB is reading this comment I hope they are decent enough to offer an explanation, because as things were presented to me, I can see that I will have to legally fight for a refund or payment of that bill.
New York, New York
Max Melrose of IAB is a *** artist and a convicted Felon!
Max Melrose of IAB, told me that Beech Street is the company that provides the first level of discount for all health issues, and then IAB provides further discounts on the health insurance he's selling. He also made me record certain statements into their system in response to voice prompts that would come up every few seconds. He prepared me for these by telling me that what the voice prompts say and what they mean are two different things. I went for it, resulting in my saying what he wanted into their recording device over the phone. I realized afterward, that this is how they protect themselves legally against getting caught for fooling their customers. I also got on the Internet and read many negative reviews about this company, including that Max Melrose is a convicted felon! When I called Beech Street and asked about IAB, they said they'd never heard of them. I immediately called my bank, and had them cancel my credit card, and issue a new one. The next day, I called IAB and canceled the insurance, and requested a refund. Although I also put in a dispute with my bank, I did receive the refund from IAB for the entire amount, including the $15.95 charge, 8 calendar days after the cancellation. This was 4 days before they said I would see it, so I was pretty happy. The total received was for about $190. This guy is really slick and has an answer for almost any question you could ask him. My policy was supposed to cover me for over 70% of the billed amount for hospital charges, surgeries, etc, for a premium of only $85 a month! What a pipe dream! I have diabetes, and other health issues, and the last quote I got from a real insurance company was a monthly premium of $1,200! So, just remember. As much as you'd like to believe someone, if it sounds too good to be true, it probably is! Don't let smooth talking Max Melrose rip you off!
Las Vegas, Nevada
IAB Health Insurance/Discount Plans; Mutual Healthcare
I was looking for a plan to supplement my medicare. I spoke to a Mr. Max Melrose from Mutual Healthcare (IAB provider). In particular I needed a prescription plan and some thing to help with the medicare deductables. First, I find out that there will be a $15.95 monthly membership fee that was not explained to me. There was a 1 time $100 application/processing fee. Mr. Melrose stated that there would be a FULL refund--"every single cent"--if I was not satisfied. According to the web site the $100 is not refundable. I was given a "teired" drug benefit and told I could look up the cost of my meds on the internet. When I attempted to go in throughh the IAB site I could not find the information. I call IAB customer services and was connected with the customer service for the pharmacy. They gave me a web site, rxpricequotes.com, to look up the cost of my meds. The only information available was the cost of a particular medication (and in some cases the name and cost of alternative medications) at a particular pharmacy. I called pharmacy customer service again, and was given another site, tieredpharmacy.com, to look up the med and the teir it fell into. The site only offers a "sample" listing of meds and the same med look up for the cost of a med by locality. I called the pharmacy customer service ,again. I told them that I was trying to see what teir my medications fell into so I could figure out what my meds would cost. They would only look up 3 meds per phone call--I am on numerous meds. I gave her the name of a very common medication---it/nor other generic equivalents was covered in ANY teir-- and as an RN, the only medication of that type is no longer prescribed by most doctors because they are outdated and better drugs are available. One time I was told that if a medication didn't fall into one of the teirs, it would cost 40% to 60% below wholesale, Mr. Melrose told me it would be 25% below retail; Customer Services said I would have to pay the price listed by locality. Mr. Melrose stated, "I'm your man. Call me with any problems". He gave me his cell phone #--I called and it's disconnected. I called Mutual Healthcare number and got an answering machine; left a message; am STILL waiting for a reply.
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