I joined a health coverage company called National Benefits Advisory Association today.
Is this a good choice? Do they pay the bills? Are they a company I can depend on? I am a
single woman and am concerned with whether I made the right choice.
Barbara from Kingwood, TX
This company called me several times with their $99 offer. I did a lot of research on
them and most of the things I read were not good. There are several complaints filed
with the Better Business Bureau and I have not seen anything good. They are not a member
of the Better Business Bureau, but you can still look them up. From everything I have
read you may as well forget about the enrollment fee you paid because they do not have a
good track record of refunding money. My suggestion to you is that anytime someone calls
you trying to sell you something, especially something like health coverage, you
research them. Get their web site, address, phone number, and any other information they
will provide. Tell them that you will do some research on them and call back if you are
interested. Look the company up on the Better Business Bureau web site.
http://www.bbb.com. Also Google the company, you will be surprised what you can find by
Googling. I hope things work out for you. Remember if it sounds too good to be true it
probably is. (08/27/2007)
By K. McClellan
To add to my previous posting you may want to file a complaint with the BBB. You can do
this at their website http://www.bbb.com. You can also file a complaint with the
Attorney General of the State of Texas. This company is out of Fort Worth and most of
their information is listed on the BBB website when you search them under NBAA. Filing a
complaint with the Attorney General will let them know that there's is a company that is
doing business that is not honest, but will not personally get you anything. After the
Attorney General receives a certain number of complaints they will investigate them and
they could be shut down, fined, or possibly have a class action law suit filed against
them. This may help you a some point, but will also help protect others in the future
and keep them from taking other peoples money. (08/27/2007)
By K. McClellan
Always check with the Better Business Bureau before giving personal financial
information (checking or credit card info) to any discount health plan. Also contact
your state insurance department to find out if the company that you are thinking of
doing business with is licensed or not.
Have you ever looked at their web sites and wondered where they are or why they don't
list a physical address? If all they have as a contact point is an 800 number, do not do
business with them. Some of these companies change their 800 numbers more often than
some people change their underwear.
These companies like to use insurance buzz words, but you don't find out that "they
pay nothing" until you read the fine print on the paperwork they may or may not send
Its always best to do business with a local company that has passed muster with your
State insurance department. If you live in New York state, why would you want to do
business with a company in Florida or Texas? Some states that require licensure or
registration are Illinois, Florida, South Dakota, Montana, and Nevada. Their may be
more, so give your State Insurance Department a call first.
Be a savvy shopper and don't give your hard earned money to the the first telephone
solicitor who tries to sweet talk his way into your pocketbook. (09/19/2007)
I received a call from them too, and fell for their line on health care. I called them
back right away and tried to cancel and they said they would call me back. They did but
would not give me a cancellation # for my Discover card told me they already billed it
to my card, and then they hung up on me. I canceled my discover card right after that.
Nothing was billed on my card. They lied. (02/18/2008)
National Benefit Advisory Association is a discount medical plan organization with
appropriate licenses as required. It offers discount medical plans and limited benefit
hospital insurance plans. All of the required disclosures and disclaimers are posted on
the website at www.nbaabenefits.com. and in the membership guides. It appears that the
negative comments posted on this website are not factual, based on ignorance and/or
subject to libel. (05/13/2008)
Wow! I'm shocked from all this. I am an employee with the NBAA, and it seems that you
all think that the company is bogus. I know there are several offices, but I've never
had any problems with my customers. I have noticed, that a lot of what is being said
here is very fictitious, and I can say that, because I do work there. But, I can also
say, that I'm very sorry if you did have a bad experience with some people that work
there. We are pressured very hard to get applications passed through, so, yes, I can
definitely see where you would be a little turned off by someone that, themselves, are
being pressured. All in all though, I truly believe that the company I work for is here
to help people, though, it seems all some people care to do is complain about it.
First off, if you have a problem, then get to the bottom of the problem. If someone
hangs up on you when you are trying to get a refund, then you call them back. You don't
sit there crying because you got hung up on. Second of all, the underwriters are
TransAmerica, so even if you couldn't get a hold of the NBAA people, you could always
get a hold of them. Try doing some background work before bashing what you "think" is
going on. (07/21/2008)
My name's Tammy and after signing myself and my two daughters up with NBAA it has
helped us tremendously. Compared to all the other bulletins I gave a credit card not a
bank draft. The girl that I talked to has very nice checked my doctors, my medications
and thoroughly went through everything with me. I am very happy with NBAA. (09/29/2008)
I just talked with some one from NBCoverage, name is a bit different, but the same
numbers and address. Well, there is no way they can offer this after shopping around
with many other companies. I asked them directly if it was a discount program and he
said "NO, this is full coverage insurance". There simply is no way they can do this.
It is obvious from the post that canceling is the problem. I don't think this is worth
the risk when they beg for your CC# before anything else. (11/19/2008)
I know that I'm just another negative poster on here, but I thought that I should relay
I signed up with NBAA in August because I needed health insurance. They told me that
they were an insurance company and they had a great discount plan. I soon found out
that their pharmacy discount plan is a joke, they give you the discount on "approved"
medicines, but if your medicine is not on the "approved" (see "Cheaper") list then you
wind up paying full price for it. No one told me this when I signed up and I did ask.
I was told that all brand name medications were covered. This was the reason that I
signed up with the company. When I asked a customer service representative what I was
supposed to do about the fact that apparently very few of my medicines were on the
"approved" list, she told me to "Change my meds." Not only that I found out that they
were not a health insurance company, as they claimed, but were a health discount company
that offered life insurance.
Another problem with this company is that when I signed up for the life insurance
part of it, I named my younger brother as my beneficiary. They signed him up for a
policy too and took both premiums out of my account.
I have now canceled my policy with them and they are still taking money out of my
On a slightly positive note, when I called the company I found out that the woman who
had sold me the policy was no longer working for the company. I called her directly and
she said that she left because she did not trust the company anymore. I think it really
says something about a company when even its own employees don't trust it. (12/02/2008)
I did get my $189 back.
You can contact your state's insurance commission and report them.
Save the link to this website and any others that have complaints as ammo for your case
They are based in Texas so start with complaints to Texas Department of Licensing and
Note to Texas Consumers. Regulated by the Texas Department of Licensing and
Regulation, P.O. Box 12157, Austin, Texas 78711; telephone 1-800-803-9202 or (512) 463-
6599; website: www.license.state.tx.us/complaints.
Please share your state's insurance commission link.
I have posted before. But look at the posting dated 5/13/08. It is hard to understand
insurance policies and companies that are associated by some means or the other and how
they work, but you need to have all your facts correct before you can be disgruntled
about any case whether it is insurance or web site directories. Most people on here
don't have a clue what they are talking about because they have not listened or taken
the time to understand how it works, unfortunately, or read the review past their own.
This particular plan is "not insurance", they are discount plans. There are many types
of plans, etc. Not everyone has the same one so can't compare apples to oranges, only
apples to apples. Transamerica though is an insurance company which has life insurance
policies you can purchase. NBAA is part of, but not Transamerica Insurance Company.
They (Transamerica) are the underwriter for the discount plans. You do get life
insurance under the discount plan for you as the main Insured, if you will.
Evidently the sales and marketing for this are giving out wrong info which they are not
directly associated with NBAA and I have reported this to get things right.
I get big discounts comparing to main hospitals for CT scans of about 7-$800 off and
have received $50 off each doctor's visit which is sent to you later. I have saved
roughly $1000, but there is legwork involved if you have the patience. If you follow
the procedures correctly and there is some leg work to get this because this is not
insurance where they do the filing for you to get the % off, (which is why you pay such
high costs to get these things done for you under a major medical plan) you can benefit.
You have to go to other facilities to have the tests done in order to receive the
discounts or work it out with the doctor. Some doctors are not part of this plan which
has now changed from PHCS to Galaxy network this year.
There are many types of prescription drug discounts whether it be name brand or
generic which have a different discount to each of them, 10% or 20% respectively. Not
all are discounted. Again it is a discount plan not insurance. Major medical comes at
a large price, like three times the price, so this is better than none if you can't get
any type of insurance. (01/06/2009)
This company is as dishonest as they come. In Illinois they are known as scam artists. I
talked to someone in the Illinois Attorney General's office and they have had numerous
complaints. They told me to complain to my State Attorney General which I did. They are
waiting for other people to complain before they will do anything.
I finally got my whole refund back, because I canceled within 3 days, but they tried
to wiggle out of the refund time and time again. I was persistent and they finally gave
me a refund. Everyone needs to complain to their State Attorney General's office, then
maybe they won't have a chance to scam anyone else. Everything I have read on this site
Don't delay, no more people need to be hurt by this company. (01/07/2009)
I think that you should look into the plan before you buy it. The hospitals and the
doctors don't go through NBAA they go through Galaxy Health Network all you have to do
is listen. If you read your booklet and packages it shows you how to get the most
discount out of the plan. The only reason you people canceled and are not satisfied is
because you are too inpatient to wait for your packets or you got scared because
insecure people thought bad about the company. Ya'll don't have anything else to do
except sit around and play on the internet all day and write about stuff that you have
no idea about! (02/11/2009)
They are legit, but they are not an insurance company. They are a discount medical
service. Their job is to help you get a discount on medical services if you don't have
ins. They don't pay the bills they negotiate a discount in advance of services.
By I can read
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