CHBA Health Discount Program / no discounts, no communication, no refund
I was contacted by phone by CHBA. In fact they called me so many times but I ignored them.
I had looked into health insurance but then I didn't want to be contacted and avoided calls. Whoever had called before gave up.
I finally answered one of their calls. It was on my cell. I am sure they only could have gotten the number from my inquiries about health insurance but of course they did not offer insurance and they told me on the phone it was not insurance. They also told me the first payment could not be refunded.
I felt I needed some health coverage and I thought this discount program would help me with medical care for my diabetes, heart disease and even optical and dental.
When I got my card I went to a drug store and they told me using the card would cost me more. I didn't understand that. I got the same response from my doctor when I needed to get a stress test to take a strenuous course at a gym. Knowing just a little I thought I would have to pay the greater payment then file with the company and get a refund or something.
I never got that far with the process.
The abundance of material about what the program did and how to deal with the program confused me.
Time passed. I kept trying to figure out the thing. I went to their website. I always find legitimate companies have some sort of support at their website. I usually use e-mail to deal with companies I am having difficulty with. CHBA's website's email did not work. I couldn't send with the e-mail address.
I remembered a number to call and finally I called it, months into my subscription and it referred me to the website. Well, that really upset me because I knew how useless the website was except to tell me which doctors were included in their networks. The included doctors in the networks did not seem to think much of the network and they had no help to offer in how to process my discounts although I only went to one, my personal family doctor who was listed, if my memory serves.
Anyway, being unable to get through via the number they offered I wrote to the Florida Department of Agriculture and Consumer Affairs which referred me to the Florida Department of Financial Services, Bureau of Education, Advocacy and Research.
FDOFS told me that CHBA claimed all money was honestly earned and refused a refund of any sort much less the full refund I desired. My credit card had been debited for over $800 by that time. The only good news was that they would cancel my subscription.
For a long time, at least one month, I was taken in by their certificate claiming that if I did not save as much as I spent they would give a free year of service. I didn't understand that if I didn't know how to use the service I would never get any service. I was never able to communicate with any one in the association after I purchased the program. Only through the FDOFS was I able to get anay satisfaction whatsoever.
Another assertion that makes one hesitate to take action on the subscription is CHBA's claim to be non-profit. You wonder why a non-profit should want to take advantage of you.