ED Magedson – Founder
Real Benefits Associationwww.familyhealthresource.com New York, New York United States of America
After looking for some reasonable medical insurance and listening to the sales pitch, I decided to sign up with Real Benefits Association. The key question I asked before making the final decision was, "Is Lantus insulin covered?" Answer: "yes", and the copay is, I asked. Answer: "$15", fine, says I, sign me up.
I finally get my temporary member card the day after I use the last of my insulin. My fiance goes to the pharmacy to get my insulin refill as I am too sick to go out. No coverage says the pharmacy. He gives them the number and they call. They put him on the phone, "Give us 45 minutes to load some information. This is a new account".
An hour later, my fiance is at the pharmacy again, and again, the answer is no coverage. My fiance calls Real Benefits and gets someone in "customer service" who informs him that insulin is NOT covered and this is clearly explained in the contract which has not yet arrived three days after the effective date. After a heated discussion, he is informed that Real Benefits will be glad to return the premium but will keep the $125 application fee. RIPOFF!!!!
My fiance bought insulin because I was totally out and needed insulin to avoid further complications. I wrote them an email that night and told them to cancel my insurance, and to send me a check for to include the app fee, the premium, and the insulin. Had they been honest upfront, I would not have had to buy the insulin at retail price. The owe me!
Now, I have written them again explaining that they have one more opportunity to avoid going to court. Small Claims, here I come!!!
Bottom line: these guys need to be put out of business! They have no conscience, and are preying on those of us who have the least to lose.
This report was posted on Ripoff Report on 08/19/2009 07:10 PM and is a permanent record located here: http://www.ripoffreport.com/r/Real-Benefits-Association/New-York-New-York-10058/Real-Benefits-Association-Family-Health-Resource-Outright-in-my-face-LIED-Longwood-F-482660. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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