PJP Health Agency

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I was looking for Health Insurance, but I got swindled instead!
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MELVILLE, NEW YORK -- 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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CaptainSpaulding on 10/01/2010:
Benny: I feel bad for you, but what possessed you into giving those con artists your checking account number?

Why didn't you pay them by credit card instead? It's much easier to dispute a credit card charge than to dispute a checking account debit!
Skye on 10/01/2010:
Benny Benny, you're a New Yorker, you know how cynical we are. Why didn't you just wait for the documentation about your coverage, before making a decision to go with them or giving them any financial information, ESPECIALLY access to your checking account. Contact the New York State Attorney General's office, and tell them you've been scammed.

Thanks for warning others out there!
Skye on 10/01/2010:
Here is the page, for the 3 locations for the NYS Attorney Generals's office, as well as other valuable NYS information:

Benny Blanco from the Bronx on 10/02/2010:
Thank you for your advice, Skye!
Don D. on 10/07/2010:
Adding to the advice of Skye, in addition to filing a complaint with with the New York State Attorney General's Office, I'd also file complaints against these fraudsters with the New York State Insurance Department, and the Federal Trade Commission.

If you paid by ACH debit from your checking account, IMMEDIATELY go to your bank and fill out an ACH Form which will return the money debited back into your account and will prevent these fraudsters from making any future ACH debits!

Good luck!
Toni I. on 10/31/2010:
Anyone who has been scammed by PJP Health Agency (whether or not you live in New York State) is urged to file complaints with the New York State Insurance Department and the New York State Attorney General's Office.

If enough people who have been ripped off by this company complain to these two these law enforcement agencies, PJP Health Agency will be shut down and will no longer able to swindle people out of their money!

NYS Insurance Department Online Complaint Form:

NYS Attorney General's Office Downloadable Complaint Form:
Bababooey on 12/04/2010:
I was ripped off by PJP Health Agency (then known as "Health and Life Direct") because I was in desperate need of health insurance and foolishly fell for their scam. I admit that I was an idiot for giving them my checking account information, but at the time, I thought that they were on the "up and up". My checking account was charged for two months before I found out that the "health insurance" I was given was not legitimate. Since Health and Life Direct would not voluntarily refund my money, I had to cancel my checking account and file a case against them in my local Small Claims Court. Because no one from the company bothered to show up for the hearing, I won my case by default, but I have been unsuccessful in my attempts to collect on the judgment against them, as they closed all of their old accounts and have now changed their name.

It has come to my attention that PJP Health Agency now has a Facebook Page. I guess that they are looking to branch out to rip off even more people!

Maddddninety on 01/23/2011:
I could write a 20 page report about what ripoffs PJP Health Agency is. The agent who sold me my fraudulent policy told me whatever lie was needed to get me to sign up so she can get paid. And once I signed up I could never get her on the phone to cancel. Of course that is completely opposite of what she told me when she said "if you aren't happy with the policy you can cancel at anytime." Just do yourself a favor and run when this company tries to get you. They find a way around everything to make sure they never have to pay you. They have so much small print and are professionals at finding something that makes them not have to pay you. RUN!!!!!
JillMa on 02/13/2011:
PJP Health Agency is the absolute worst company I have EVER had to deal with. They signed me up with an insurance company and they have been holding onto money they owe me for months and months, collecting interest on money that is not theirs. They cannot give me a reason as to why they deny the claims I submit. Only after hours and hours of fighting, do they finally pay the claims. I am going through this for the third time, and have now reported them to BBB.

Their customer service reps have no idea what they are doing. They are rude, they don't listen, they talked over me constantly, they gave my OBGYN incorrect information which ended up costing me HUNDREDS of dollars in treatment that was not covered. They told me I would "only" have to pay a copay for my prescriptions. NOPE.WRONG. They only pay a small % of the prescription, so I have started a medication that I really can't stop now and it's costing me about $200 a month...

They don't follow through, they are a horrible horrible HORRIBLE company! I canceled my policy with them and after reading all the complaints I also closed out my bank account. I don't need PJP Health agency to continue taking money from my account after the policy was canceled.
Reader101 on 09/27/2011:
Wow thanks to all you who decided to share your experience, I just got a cal from PJP a few minutes ago and decided to do some research on their company before giving out my personal information, thankfully I came across the complaints made here. The insurance price and everything just sounded too good to be true. I will not be calling back that agent.
LLL on 02/23/2012:
I was offered a job working for PJP, as a phone sales person. I decided to do some due diligence before signing up. There seem to be a lot of complaints against this company.
AR/Queens on 07/02/2012:
Thanks for the heads-up. I just got off the phone with them. I looked on-line for Health Insurance and they got my number. The sales rep. told me to go on-line to check them out. Glad he did, I won't be signing up.
MAD just initials on 02/04/2013:
I am in the process of getting some type of coverage and have been trying to figure what PJP represents. I called some of my Doctors that are in the network and they accept it. I was told by a PJP rep it is insurance but it has holes in it that then it is filled in with discount networking. (Money you will not get reimbursed, just a discount.) I cannot get info on the money amounts, just a percentage. I think it depends on what services you get from the Doctor and pay the 55.9% discount I was told. I was in a discount network a few years back when funds were extremely scarce and it was better than having nothing. I thought TELDOC was brilliant. I was too sick to get to the doctor and I was interviewed over the phone, a script was called in to my pharmacy and family went to pic it up. Almost like the old days when doctors came to your house. I wish that was available with insurance. I did use it and did receive some savings and the monthly fee was much less. Discount Networking is a different animal from Insurance. A person needs to dig to understand what and how to use this program. To read PJP had another name does make me sceptical and may select the traditional health insurance because of it. Thanks for all your comments.
sharon murphy on 06/15/2013:
I also had bad experience with these crooks, I reported them to the bbb, so far I got my renewal back, now I have over 2,000.00
sharon murphy on 06/15/2013:
I have reported pjp to the BBB so far, I received a refund for the 1x renewal, am not done, I have over $2,000.00 in medical bills unpaid from this scam .... I dropped them quickly, 2 months, I was done. Too good to be real!
BG5 on 07/07/2013:
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 SHITTY 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 backpedal. 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 shitty service... YOU WILL GET NOTHING!!!!!!!! GO WITH A REAL COMPANY!!!!!
Jimbo Jones on 08/12/2013:
All of the people who have been ripped off by PJP Health Agency need to contact the New York State Department of Insurance (aka the New York State Department of Financial Services) and file complaints!
Michele on 08/13/2013:
Thank you!!! I signed up with them yesterday...but red flags still bothered me. Too good to be true etc. After reading reports my husband went to the bank to stop any payments and change our account
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PJP Health Agency is a scam! All they want is your bank account information!
Posted by on
MELVILLE, NEW YORK -- After filling out a brief questionnaire on ehealthinsurance.com, I was contacted by someone named Donald Ulrich at PJP Health Agency of Melville, New York.

Mr. Ulrich said that he could get me in a group health insurance plan because New Jersey has some law that states people in a certain age group or risk factor can be considered a group. I began to become suspicious because I have never heard of that. I am a realtor and even realtors are not considered a group in New Jersey, otherwise I would already have group health insurance. After Mr. Ulrich began to really pressure me to give him my checking account number, big red flags went up. I told him I needed documentation with a plan summary so I could lay this plan next to the plans I was considering from other sources. He then said that the way they save money is by not offering copies of the plan. I said well what about a website link? He said no. I said how can I make a decision about healthcare when I can't compare the plans? He said well you have car insurance and you don't know everything about that plan either. He began to get very impatient and said he could post date my application and I would have 10 days to accept or decline, but I needed to give him my bank information immediately. I asked him if I could come to his office in Melville and meet him in person. He said yes, but said that it would be a long ride from New Jersey. I finally just had to hang up on him because he would not stop saying he wanted my bank information.
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tnchuck100 on 12/03/2010:
"He then said that the way they save money is by not offering copies of the plan."

You did EXACTLY the right thing. That had scam written all over it.
Don D. on 12/09/2010:
Don't believe all of the negative information that is being written about PJP Health Agency?

Read the following excerpt from an article printed in the July 15, 2001 issue of the Seattle Times:

"In 1999, four were convicted or accused felons, including Joseph Teseo, 32, and Philip Teseo, 29, who pleaded guilty that year in a scheme to manipulate IPOs. The Teseos declined comment."

To read the entire article, please cut and paste the following web address into your web browser:

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