ED Magedson – Founder
Senior Healthcare Consultants - SHCNationwide United States of America
SPECIAL UPDATE: September 30, 2012: Senior Healthcare Consultants remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. Senior Healthcare Consultants is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.
To date, Senior Healthcare Consultants has made good faith efforts to resolve all complaints reported on Rip-off Report. Based on our experience, the member business has proven to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business.
Over time and since becoming a member, Senior Healthcare Consultants has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever Senior Healthcare Consultants remains committed to improving customer satisfaction.
Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.
Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!
*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at email@example.com
Rip-off Report REIEW: EDitor's Comment: Rip-off Report REVIEW: RJR / SHC ~ Senior Healthcare Consultants (www.shcmarketing.com) gets a EXCELLENT RATING in customer support from Rip-off Report and continues to be an industry leader in fulfilling its commitment to provide excellent customer service. RJR / SHC ~ Senior Healthcare Consultants pledges to resolve all valid complaints from former consultants and address representative issues. Initially this EDitor had concerns about RJR / SHC ~ Senior Healthcare Consultants, but after investigating Senior Healthcare Consultants it quickly became apparent that the numbers speak for themselves; with the amount of Clients (SHC has served over a quarter of a million people) there was virtually no negative customer reports found. The minimal number of reports came from former consultants. With thousands of representatives and 250,000+ clients, Senior Healthcare Consultants is bound to be the subject of a certain number of complaints about agent conduct, as well as product or administrative complaints.
Rip-Off's review found such complaints, but importantly also found that RJR / SHC ~ Senior Healthcare Consultants is committed to resolving such complaints quickly and doing everything possible to satisfy its Consultant team as well as their clients. It also takes appropriate action against any of its representatives who are found to have conducted themselves improperly or unethically. We believe that the number of complaints against this company, whether through the Internet or other channels, is extremely small when put into the context of its large size. Most big companies would never commit themselves like Senior Healthcare Consultants has.
Read our investigative Report and Senior Healthcare Consultants commitment to 100% consumer satisfaction and why consumers should feel safe, confident and secure when doing business with a member of Rip-off Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. ..yes, a long name for a program that does a lot for both consumers and businesses alike.
RJR / SHC ~ Senior Healthcare Consultants provides products and services through independent consultants. Senior Healthcare Consultants has a proven track record of developing excellent consultants to aide and advise the ever increasing senior population in relation to healthcare needs and the constantly changing Medicare landscape. Through meeting directly with seniors and discussing their individual needs and goals a SHC ~ Senior Healthcare Consultant is able to suggest a customized strategy for seniors to avoid the pitfalls of ever increasing medical costs. This EDitor found RJR / SHC ~ Senior Healthcare Consultants' business opportunity is attractive to people from many different backgrounds, and success comes from following their tried and proven systems, and a company that he can feel comfortable giving his stamp of approval to.
Read about Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program,..A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. this program works.
===================== NOW TO THE ORIGINAL REPORT THAT WAS FILED
Senior Healthcare Consultants - SHC Ripoff! Be VERY careful, it's not what it appears to be. Nationwide
This company markets healthcare supplement policies to seniors(Age 65+). I "worked" for them (not as an employee since everyone is a self-employed agent) for a very brief period of time and feel that their practices are worth reporting on this site.
I have broken my report into two parts: 1.Things to know as a senior if a Senior Healthcare Consultant(SHC) shows up at your door and 2. If you are considering working for this company.
1. For Seniors and their family: Be aware that this is a one visit close and you WILL be asked for a check that day!!! The first hour is spent educating you about health insurance, medicare, and prescription drug expenses. This is very informational and genuinely helpful to you. Supplemental health insurance is a terrific product that I would want my own grandmother to have.
After the informational part of the presentation, the agent will be in full selling mode. You will be pushed to sign something that day! They will tell you that they are "very busy and probably won't be back to this area for several months".
The person who does the training yells at people during the webcast training sessions that don't get a signature on the spot. Even if you are told to go ahead, sign the paperwork, and then take 2-3 weeks to think about it because they are just trying to see if they can get you approved, be aware that you have made a commitment.
Your existing policy (if you have one) will be canceled (this is one of the forms you sign) and switched to the one the SHC consultant talked about. I will say this, to the best of my knowledge, the policies they offer are with reputable companies and are solid products.
My beef lies mainly with the high-pressure, one visit close. In my opinion, this just isn't how you do business, especially with seniors who may want to consult with their children on major decisions.
Also, be aware that they will make a big deal about how there are only 50 Senior Healhcare Consultants in the entire country. That's pretty much true...since that's all the more agents they have working for them. Realize that this isn't a state or social worker who's sole purpose is to educate you- this is an insurance agent much like any other who is there to sell you a product. Again, they are offering a VERY valuable product from solid companies, just watch out for the one visit close.
2. For individuals exploring this as an employment opportunity. If you are a strong salesperson with the ability and conscience to close in one visit, you can do very well for yourself with this company. For me, it just wasn't my style.
My intention with this posting is not to bash the company, just help someone make a more informed decision than I was able to make. Be aware that you are going to have to get your license(s)on your own dime before you start training. This can/will take several weeks and will run you about $400-$500 depending on the state and the class(es) you take.
Next, expect to have to travel somewhere for 2-3 days for training. Again, you will be paying for all of this yourself- food, lodging, gas, etc. It is very important to know that approximately only 1 in 4 new consultants actually makes it. This is the number that was given to me by one of their top trainers. I didn't find this out until I was out about $700 and 4 weeks of my life. My biggest concern with this company lies in how they handle you if you don't make it which is the case for 3 out of 4 individuals.
In my short experience with the company, I sold two policies. When I notified them that I wouldn't be continuing on, it was stressed to me to pay to have the two policies I did sell shipped overnight to them. Of course, this was more money I would be paying out myself.
Then I was told I had to ship back all of the materials that I had been provided or I wouldn't be paid on the two policies I had sold. (By the way, expect to pay a significant amount of money just on copying and printing since they don't cover any of that. You get emailed forms and then have to run them all yourself for every appointment.)
After laying out money to ship the paperwork for the two policies and then a seperate shipment of all the supplies, I waited for my check (albeit small check) to arrive. The first time I called to check on it, a lady quoted me an exact amount I would be paid and a rough time it would arrive.
After several more weeks and still no check I started calling again. Good luck if you ever need to try to talk with someone in payroll or have them call you back. Many unreturned calls were placed. Finally I did receive a call from a Brian who said that my check didn't hit a minimum clearance amount since I had sold only two policies and that I would not be receiving the $50+ check.
I was furious but decided to let it go until today... While checking my checking account online today, I saw that the company that SHC actually wrote the policy for CRL (Central Reserve Life) had gone into my bank account and taken money out. Evidently one of the two policies had cancelled and CRL did a charge back to SHC.
It has been months since I've "worked" with SHC yet they still somehow have authorization to do this?!! So, not only did I not get paid for the two policies that I sold, I actually lost more money in addition to the sunk cost of the hotel, gas, training classes, state certifications, etc.
Of course, my calls to SHC about this have not been returned. All told, it was a bad experience for me. If you are very strong at closing and comfortable with pushing seniors into signing a contract in one visit, this could be a very good fit for you.
Let me say it one more time, I'm not bashing SHC, I just want people to be more informed before dealing with them as an client or as an agent.
Joshua Charlotte, North Carolina
This report was posted on Ripoff Report on 04/01/2005 03:34 PM and is a permanent record located here: http://www.ripoffreport.com/r/Senior-Healthcare-Consultants-SHC/nationwide/REVIEW-Senior-Healthcare-Consultants-Customers-independent-consultants-can-feel-confide-137214. 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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