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7:20 pm EDT
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Pjp Health Agency, Inc. Shady/Questionable Sales Tactics

Last week I started looking for an individual health care plan, and to that end I went so far as to enter my contact info into an insurance quote site so that a representative could contact me. That was a big mistake, because I had dozens of calls, but the worst by far was from PJP Health Agency. I am in California, yet I was contacted by a PJP rep from New York. Before I could even finish saying "hello", he broke into this sleezy used car salesman spiel. I was totally flabbergasted; I had spoken to reps from Blue Cross, Blue Shield, Kaiser, and Cigna, and none of them sounded like an oily salesman. This guy...his voice alone oozed.

He tells me that I can get a "great plan" for as low as about $60/month. The plan was with some outfit called New Benefits--I've never even heard of them. Of course, what he neglects to mention is that the "plan" in question is for a health discount club, NOT actual health insurance. After listening to his quick talk, I ask for the New Benefits website so that I can review it for myself, but he brushes that request aside by ensuring me that I'm going to "absolutely love" the plan.

Now it's starting to get annoying. By this point, I had actually found the website myself (http://www.newbenefits.com/), but I pressed on to see just how sleezy this guy really was. Incredibly so, it turns out. When asked again for the website, I was told that he would instead e-mail me the info. OK fine, I think. I know I'm not touching anything this guy offers with a 10 foot pole, but sheer curiosity leads me to accept. And here is where it gets real shady: he tells me I must give him my checking account number before he e-mails me the information. Of course, I refuse. "Why do I need to give you my financial information just to view the details of the plan?", I ask, but he doesn't actually answer the question, just keeps repeating how they're rated and it's a great plan. I retort that if the plan is so great why can't I be allowed to view the details for myself without giving up my checking account number, and he still sidesteps the question. I ask him bluntly, "Is there any way I can view the details of the New Benefits plan without releasing sensitive information? No brochure, no website, nothing?", and he dances away from the question and continues to coax me into giving up my checking account number. When it was apparent that I wasn't going to release that info, he simply slammed the phone down.

Stay far, far away from PJP. I called and talked to a manger to complain, but I'm not sure what good it did. All the same, if you're stuck with this slimy bozo or someone like him, by all means call ahead and complain to a department managers, and go to the Better Business Bureau and issue a complaint.

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6:12 am EDT
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Pjp Health Agency, Inc. I was looking for Health Insurance, but I got swindled instead - Medical and Prescription Discount Plan masquerading as Health Insurance

After searching online for health insurance, I was referred to a company called "PJP Health Agency" of Melville, New York which promised me affordable health insurance coverage. Their coverage plan sounded good, so I gave them my checking account number, and they quickly debited my account.

However, I was never issued legitimate health insurance.

In fact, I have received nothing that I was promised! After doing some research on this company, I have discovered that the health insurance which they allegedly offer through their affiliate (American Benefits Association of Blackwood, New Jersey), is not health insurance at all, but a medical and prescription discount plan.

I have been scammed by "PJP Health Agency", and the money that was debited from my checking account was done under false pretenses! I now feel like the biggest schmuck on two feet!

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Richard Ibeathim
Franklin, US
Aug 23, 2013 4:51 pm EDT

Here's a kicker for you! No wonder they give you a 30-day grace period to cancel. I joined on July 16th and got all of my cards and documents on August 21st! These docs make it CLEAR that this is NOT insurance, but a "discount plan". But I figured it out early, threatened to report them and got a full refund...in the form of a money order from a 7-11! So...I cancelled, got my money back and THEN got the docs where they tell you how they just scammed you! When you do the math, add up the premiums and calculate the most benefit you can get from them, you lose money every time!

I read through the docs and if you need medical attention, they make you call a number and then THEIR doctor treats you...OVER THE PHONE! LOL!

So...stay away from PJP, Coast to Coast Agencies and especially Charlie Weydig in Nesconset, NY!

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Richard Ibeathim
Franklin, US
Aug 20, 2013 3:47 pm EDT

Any place that sends a refund check that they got from a 7-Eleven is a rip-off. I got that. But I threatened Charlie Weydig in the right way to make him panic and send me my money back and fairly quickly! Just say you'll report him to the Better Business Bureau and the Attorney General and he craps his pants and refunds your money.

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BG6
, US
Jul 07, 2013 12:24 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I should have read the reports about this awful service!

I signed up thinking "what a great deal on insurance" only to find out it was a sharing program. Okay, fine. I can deal with that.

My rep ( Ben Ruvinov ) was fine. His assistants were slow and stupid though. I would ask for something and it would take days before I got results.

I signed up Feb. 21. I didn't get my card until March 1. I could not schedule ANY medical visits without the card. So when I finally was able to make appointments (and mind you, with no success. Every place we called on their list of "networks" denied multiplan even though their list is "updated every week"), I had to drive out of my way to get there!

I was told I should only have to pay my "reduced rate" that I get through PJP Health when I got to the doctors office. TWICE I went to the doctors and both times I had to pay full out of pocket. Nobody knows what "multiplan" even IS!

TODAY I was so angry and in tears (this isn't the first time my frustration with this company reduced me to tears), I called to cancel but was told "it's past the 10 days." I explained that I couldn't even make an appointment without my card which didn't arrive until March 5th. My 10 day period in which I could get a refund (and only partial, since the $150 "member fee" is non refundable, period) had passed...by only 3 days! Ben (my rep) argued with me. ACTUALLY ARGUED WITH ME saying that if I were to go with Horizons, or Blue Shield, I wouldn't get a refund there either. Of course, with either of THOSE companies, I would be seen without having to pay full out of pocket either. To cite LEGIT insurance companies to compare to this scam is a JOKE! He also said I wasn't getting the best care because if I wanted better care, I could pay over $500 a month with another plan they have. I was FLOORED! PAY MORE?! FOR ### SERVICE? when I didn't get ANY BENEFITS FROM IT AT ALL?! I told him "So, I am getting bad service because I can't afford that each month? Are you saying I don't deserve that as your client?" He had to back peddle. So, I was treated worse because I can't afford good health care. Clear example of that, I guess!

He also accosted me about how I could pay out of pocket and why didn't the office call him if they had an issue. I said "THEY CALLED THE NUMBER ON THE BACK OF THE CARD AS INSTRUCTED! It shouldn't be that hard!" He said I would not get a refund no matter who I talked to.

I am going to try again. I am sure I won't get my money, but STAY AWAY FROM THEM! If what he's saying to me is "you get what you pay for", when don't pay for this ### service... YOU WILL GET NOTHING! GO WITH A REAL COMPANY!

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Jolin555
, US
Jun 30, 2013 2:01 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

found this broker/agency on the internet while looking for health insurance options. The agent, Phillip Gropper offered what appeared at first to be a much better deal than any other I'd found. Cheaper premiums... it even included some vision and dental.

He said that the reason he had such a good deal was that he could put us into a group package. He could put us in with something called ENA (Employers Network Association.) He said we'd be made a part of the National Allied Workers Union, which would help get us the discounts.

Long and short of it is this: there is no such thing as the ENA or the National Allied Workers Union. These are a sham, a front that this brokerage created to swindle potential customers like me.

When I questioned "Phillip Gropper" further, he sent me a clearly bogus letter from 'CNA', trying to make this seem legit. The letter offered no contact info for 'CNA', no website, no further info. I could not get 'Phil' to email me a copy of the contract he would want me to sign; blue cross/blue shield (whom he said would be providing the insurance) doesn't know anything about any of the above mentioned parties...

Long and short: this is a credit card and check scam. They just want your info. It's fraud, folks. Don't fall for it!

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needhelp5
, US
Jan 15, 2012 8:10 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I had insurance with PJP Health Agency. I have been trying since december of 2010 to file a claim for medication. When I first sent the claim in there I was missing a diagnosis code and another code. The doctor's office that I go to called PJP Health Agency and sent them a letter with all of the information that they requested. However I keep getting the run around. One person will say that they have all of the information and the next person will say no we have never recieved anything. I asked if I could speak with the same person when I call and I have been told no.

Everytime I call I get a different person who has no idea what I am talking about. I have never in my life delt with such a horrible company with the worst customer service EVER! The claim is for over $200 and to be honest I just don't think they want to pay me any of the money. I desperatly need help! All it would take is for one person to take just an hour of their time to look over my account and FOLLOW THROUGH! I had to cancel my insurance with PJP Healthy agency because they refused to pay any claims.

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cr 12
, US
Jan 08, 2012 7:45 pm EST

I have been receiving a bill from a medical provider since January 2011 for services received on December 2010. I have called and spoke with the service provider who states PJP Health Agency has not paid the bill; however, every time I call PJP health Agency, I have to speak to a different person and describe the whole situation all over again. PJP Health Agency has given me many excuses such as, "We paid it, " "We asked for a refund but we have still paid it, " and "We don't know why they are billing you."

I have been told that the service provider has been sent a letter to stop billing me, that it will be taken care of, and that I am not responsible for any of the charges by every person I spoke to on the phone at PJP Health Agency. Now, I get a letter saying my bill has been sent to collections for lack of payment. Again, I call PJP Health Agency and talk to yet another customer service representative who knows nothing about the situation. She kept me on hold over 30 minutes to call the service provider in order to find out what happened with the payment. Then she tells me, "I have to call them back tomorrow morning to get more information." She says, "I will call you at 10 am tomorrow to tell you what is going to be done about this situation."

At 10 am the next morning, there was no phone call at all. I call the service provider at 4 pm and she remembers talking to PJP Health Agency about the situation and says, "They were supposed to call me this morning to get a file number, but they never called me back." Again, I called PJP Health Agency and talked to a new customer service representative who says, "Systems are down. Will you call back in 30 minutes?"

I have never been treated so poorly by a company, and now, my 800+ credit rating is about to be ruined because PJP Health Agency did not pay a $300 bill that they were responsible for, and they admitted to me every time I spoke to them that they were responsible for it. What's worse is that after 9 months of calling and asking for it to get taken care of, nobody there seems to know why I am still getting billed and why it hasn't been paid. Nobody can give me any answers. I am currently looking for new insurance.

What else can I do to get them to pay?

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trmt 85
, US
Dec 24, 2011 6:45 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I have been with PJP Health Agency on of their plans. I have had two separate instances where I have gone to search for a provider and found none of the doctors they list or give by phone accept this insurance. I need to see a psychiatrist for extreme depression and PJP Health Agency found one psychiatrist within 30 miles of my area who can only see me in April. Meaning, I must wait two months to receive treatment. The website is misleading and has false advertisements as many doctors do not participate with PJP Health Agency. Even the rep I spoke with agreed to that.I must not continue paying for insurance while I am being delayed treatment for extreme depression, a serious condition that should not be ignored. I am now looking to get another insurance company.

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labs
, US
Dec 18, 2011 7:41 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I bought insurance with PJP Health Agency and I decided to get all my checkups done, so I went to a bunch of doctors that were listed as included on my plan. I paid the copay for all of them and now, even after writing the company about it, I have received several bills from the doctors and the labs claiming that I owe them thousands of dollars. These fees were supposed to be included in my health care and they didn't even cover the bloodwork! Ridiculous. I am now receiving collection notices out the wazoo because PJP Health Agency has not paid my claims. PJP Health Agency is a ripoff!

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I AM ALWAYS RIGHT
Pittsburgh, US
Dec 04, 2011 8:24 pm EST

Ask for a copy of the policy: they provide you with the coverage info. If they are correct, you need to shop around for different insurance and pay your current bill. If they lied to you, contact the insurance commissioner.

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emergencyd
, US
Dec 04, 2011 8:16 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I took my wife, a registered nurse of 18 years, into the er for chronic pain radiating in the lower back and down into the front groin area. She was unable to move from bed when she woke up. She was examined and given a Ct looking at the possibility of kidney stones. Nothing was found some drugs were administered to relieve the pain and discomfort. 2 weeks later she finally came around from what caused this problem. PJP Health Agency has denied the claim stating that this was not an emergency. Now the hospital, which she is an employee of has told her we can pay the 6k or they will garnish her wages. PJP Health Agency is a scam that doesn't pay claims.

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