Just finished chatting with eHealthInsurance "Kim". I have been waiting for a refund on a health insurance policy that was rejected by the carrier since October 30 (10 days and counting... funny it didn't take them that long to get the money *out* of my account.) The operator could not tell me how long it would take to get a refund from her company... she tried to blame it on "federal privacy laws". My name is on the bank account that the money was withdrawn from... this has nothing to do with the actual health insurance application. As I tried to explain to "Kim", this was simply a matter of a refund for a product that was never received. She then hung up on me. Very professional. Chat transcript is below:
The next eHealthInsurance representative will be with you shortly
You are now chatting with 'Kim'
Kim: Welcome to eHealthInsurance's live chat service. How can I help you today?
Joe: Hi Kim. I applied for a health insurance plan for my mother with ***. They deducted the premium from my account on 10/22, but the coverage was denied. How long does it usually take for the premium to be reimbursed?
Kim: The Health Insurance Portability and Accountability Act of 1996 (HIPPA) legislation mandating specific privacy rules and practices for medical care providers and health insurance companies will not allow me to give you any information regarding this application or applicant
Kim: Please have the applicant call or e-mail us to obtain the correct form. Once complete, we can process their request and speak with you. Customer Service may be reached at 1-800-977-8860. Our e-mail address is firstname.lastname@example.org.
Joe: I don't understand. All I need to know is how long will my money be held up before I get refunded for a product I never received.
Kim: I cannot go over your mom's account, sorry. She may call us for assistance on her application.
Joe: It is my account.
Joe: I filled out the application for her.
Kim: Due to Federal Privacy Laws, she should have applied herself. She needs to call for assistance on her plan/application.
Joe: This is not about the application... it has already been denied. This is about a refund.
Kim: Understandable, unfortunately I cannot assist you since you are not the applicant and we do not have your mom's authorization to speak with you.
Kim: Please have her call us and we can assist her further or have her fill out a form allowing us to speak with you.
Joe: Nice. So you can not tell me, on average, how long a refund usually takes?
Kim: I cannot, sorry.
Kim: Thank you for chatting with eHealthInsurance. In a continuing effort to improve upon our service, we encourage you to complete the survey, which will appear when you close the Chat window.
Chat InformationChat session has been terminated by the site operator.
Very helpful, thank you. I will not be using your site after this again.
I went through EHealthInsurance to get a 1 month bridge policy for me and my son while between jobs. Once I was approved they told me that I wouldn't be eligible for coverage until a week after I was eligible for coverage at my new job, mind you this was weeks away. I called EHealthInsurance and they gave me an email address to send a note to to tell them the situation and they told me that I would be canceled and reimbursed. I sent 3 emails with no response. I finally called them and explained my situation to a PERSON named Naomi. She told me that my email was sent within the time frame that would allow a refund.
She called me back at work 5 minutes later, gleefully telling me that "we have you on a technicality" you didn't type your full name at the end of the email that you sent us to cancel. ARE YOU KIDDING ME??? No one ever told me to do so, and does it matter? And shouldn't they have reached out to me when they noticed that I didn't sign my name? NO, they waited until their cancel time frame ended... Or, do they think that someone hacked my email and maliciously canceled my health insurance to sabotage me?
I asked for a manager to call to discuss 3 times and have not yet received a call. This is a VERY DIRTY company!!! STAY AWAY! There are way better options out there. EHealthInsurance should be more careful as to whom they used to represent them!