Complaint Rating:

Company information:
3651 Stanton St
Philadelphia, Pennsylvania
United States

I signed up for CHBA "insurance" and didn't realize what I was actually getting. I submitted an online request to receive quotes for health INSURANCE. CHBA is an ADVOCACY group which seeks to negotiate down your bill and also provides discounts on things like dental, eyeglasses et. But they are not insurance. It says so on your id card when you receive it. But of course I didn't know that at the time.

This gentleman called me and said they provided coverage for health, eye, dental and prescription. The call was very, very long and there is a very long verification process which frankly some of it went in one ear and out the other. He did say finally it was not insurance but after being on the phone for so long I didn't care. It sounded good so what the heck, right? Wrong.

I had to go to the emergency room one night and all told I received 3 bills totaling just over $1000. One bill was advocated very successfully, but the others were not, leaving me on the hook for over $750, out of $1000. That not good enough when I'm paying over $100 a month in premiums ( I think it was $120 a month). They told me numerous times their goal is always to shoot for an 80% REDUCTION in your bills, which obviously fell well short. A representative I spoke with who was actually quite nice told me that the bills were not advocated for in the manner that they "should have been", whatever that means.. My 3 bills from the hospital totaled just over $1000. They were all from the same evening. But they never picked that up even though I told them no less than half a dozen times, including a letter. I'm not sure if she meant to infer that they would have received a more aggressive handling if they had realized this but that was my impression. Also then it would have been their error for not totaling the bills as they should have.

Bottom line is this: save your money and get real insurance. This company should not be in business because they provide little for the money you pay.