• Report: #584998

Complaint Review: Adcahb Medical Coverages

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  • Submitted: Wed, March 24, 2010
  • Updated: Fri, June 08, 2012

  • Reported By: Mark — Delray Beach Florida United States of America
Adcahb Medical Coverages
9070 Kimberly Boulevard Boca Raton, Florida United States of America

Adcahb Medical Coverages Hank Tobin Ripoff Arists, Misleading Boca Raton, Florida

*UPDATE Employee: Let's Set the Record Straight

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On February 12th, 2010 I was alerted by my so-called insurance agent, Hank Tobin that I had an automatic withdrwal set to come out for my next Blue Cros/Blue Shield Payment. I was very shocked, because three months earlier on December 23, 2009, I had stated that I did not want an automatic withdrawal from my account as the funds were withdrawn over a week earlier than my Agent, Hank Tobin had informed me. Mr. Tobin was told that I would not have the funds in the bank u ntil the 18th, yet the withdrawal was made on December 14th, causing me to have $105.00 in overdraft.

Mr. Tobin's response at the time, was that Blue Cross and Blue Shield can not be definite on their withdrawal date......that's fine, if my agent, who is representing his client would inform me of that.  Instead, I was told that I could not get coverage unless I had automatic withdrawals from a checking or savings. I know the danger of ACH withdrawals and I keep very little funds in my account. But I was informed that I could not get insurance without an auto draft.  THis later turned out to be a lie. The ACH hits 4 days early, I am hit with a $105.00 fee from my bank and the agent repsonse was that the bank should not have charged you, as there was nothing ever taken out.   Not only did this ruin my Christmas Holiday, but the insurance that should have cost $165.00 a month suddenly became $270.00.

I called Blue Cross and Blue Shield, to complain about the charges, but that went to no avail and I never received a reply to the letter I sent to Blue Cross Blue Shield experessing my concern.

After this incident, Mr. Tobin assured me that I would be direct billed for my future payments and no ACH would take place..this was on December 23, 2009.

That is why I was shcocked to receive an email from Mr.Tobin in February stating that an ACH would take place on the 16th of February. I immediately emailed back Mr. Tobin, who emailed back to me that after spending an hour on the phone he had everything cleared up with the ACH.   Low and behold, a promise broken  and on 2/16 the ACH still comes out and I am hit with $70 in fees.......

I immediately email Mr. Tobin, expressing my dissatisfaction with the service and aksing for the name and phone numnber of his Supervisor and a contact at Bluie Cross/Blue Shield.   My email went unanswered....and to add insult to injury, Bue Cross made another attempt withdrawal from my bank causing another $70.00 in charges.    I have now accumulated over $245.00 in overdraft fees, due to the negligence of an Insurance Agent, who was eveidently more concerned about the sale. If Adcahb is a reputable business, they would stand by the erroprs of their employees and reimburse me the $245.00 in bank charges. 

To make matters even worse, in a conversation today (3/24/10) with Blue Cross, I was informed by the Bue Cross Representative Donna(call 1-1655966406)..That my agent never made a request to stop the ACH until February 12th...only after I caught the error on his email. THis is a blatant error and I should not have to suffer the monetary consequences of my agent's mistake. 

Perhaps, Mr. Tobin was a new agent and was not aware of the policies, but it is a total lack of customer service not to respond to a customer concern and request to speak to a Supervisor.  Mr. Tobin may hav hid these errors from his Supervisors, but in that case, I can understand the lack of response from his Supervisor at Adcahb. I was left with no recourse but make reports to the Better Business Bureau and the Insurance Commissioner of the State of FLorida.           Insurance Buyers Beware,,,,the only thing representative Hank Tobin and Adcahb want is to sign you up and hit your account to make their commission....no customer service and no caring on their part for the customer..........Stay AWAY.....Blue Cross offers a great plan, I am hoping there are other agents out there that can sell it legitimately.


This report was posted on Ripoff Report on 03/24/2010 11:54 AM and is a permanent record located here: http://www.ripoffreport.com/r/Adcahb-Medical-Coverages/Boca-Raton-Florida-33434-2855/Adcahb-Medical-Coverages-Hank-Tobin-Ripoff-Arists-Misleading-Boca-Raton-Florida-584998. 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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Updates & Rebuttals

#1 UPDATE Employee

Let's Set the Record Straight

AUTHOR: Brian Leonard - (United States of America)

This will set the records straight regarding the role of Adcahb Medical Coverages in this report. There are pivotal facts that have not been disclosed in this report: 1.) Adcahb Medical Coverages is a contracting general agency with Florida Blue (Blue Cross Blue Shield of Florida) and is not an insurance company; 2.)Mr. Tobin was formerly associated as an independent contracted 1099 agent and at no time an employee of Adcahb Medical Coverages; 3.) The insurance company is the sole and exclusive party to the terms and all matters related to the billing and collection of policy premiums, not Adcahb Medical Coverages; 4.) The insured received a copy of the Application and Policy containing full disclosure of the initial and future premium billing and payment options; 5.) The insurance company toll-free Member Services contact number is clearly displayed on the ID Card delivered with the policy and; 6.) At no time did Adcahb Medical Coverages receive a formal complaint from this individual with regard to either the independent agent in question or this particular situation.

Adcahb Medical Coverages is not a party to errors and ommissions caused by independent agents. However had this individual contacted Adcahb Medical Coverages directly, we would have taken immediate steps to address and help resolve the problem. The matter could have been quickly resolved through a simple phone call to Memeber Services at Florida Blue.

Adcahb Medical Coverages is one of Florida's oldest, largest and most reputable providers of insurance. With ober 100 independently contracted agents and convenient offices over South Florida, Adcahb offers solutions for health insurance (individual and group) life insurance, long term care, disability and annuities. Reference to Adcahb Medical Coverages in this report is innacurate, misleading and should be removed.   
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