National Benefits Advisory Association Reviews

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RE: National Benefits Advisory Association Reviews

Responding to most of the people here that have posted you don't know what you are talking about. Be an informed consumer. Don't be mislead. If you have doubts about anything don't join and don't give them your credit card or banking information! People have left the main number for NBAA Customer Service several times and they have a very accessable website. They are not health insurance. They state this over and over. As several people have written True health insurance is not cheap. You pay for all the bells and whistles of having health insurance. Not everyone can afford this cost. So getting a discount on services which NBAA does is better than nothing. You have to do the legwork and that is what NBAA Customer Service is there for.

Secondly if you are shopping for insurance on the internet and leave your name and phone number,etc. Guess what... You are going to get bombarded by calls. That is what sales people do. Your name is sold over and over by other companies who gather up this information and then sell it to numerous companies. The salesperson makes a living by sales and as such some are very aggressive. So to save yourself some grief - go through your local phone directory and call agents. Or talk to a neighbor or friend and have them recommend a local agent. A reputable agent will be more than happy to help you with a quote. There are numerous medical savings plans out there so if you are truly looking for health insurance quit shopping the internet and leaving your name and phone number. You will just end up with the same type of sales people contacting you.

As far as the nonrefundable administrative fee, all of you that have complained were no doubt told about this upfront. You agreed to it during the sales as verified by the tape recording that companies like these make to protect themselves. They tell you upfront that they are recording you. Do you complainers not listen? The nonrefundable fee is used to set up your account and pay all the providers for their services on your behalf. In summary, you as the consumer must do your homework. If you have any doubts about anything Do not agree to the sale. Tell them you do not want it. If you do not want to be called again, please contact NBAA Customer Service and they will be happy to talk you off their calling list. As noted above, if you have left your name and phone # you will be contacted by other companies but NBAA will take your name off of their calling list!

Post by Kirbie

RE: National Benefits Advisory Association Reviews

This company is a scam. I have contacted an attorney who has gotten my money back, plus all costs involved. The people involved lie to you over the phone and then deny it when you call them back.

I have also contacted the Attorney General for my state and this will be taken care of. This company won't be in business for long.

Post by ShadowChess

RE: National Benefits Advisory Association Reviews

Anyone who has ever had issues with them should pursue further action and file compliants even if they refund your money.
File a complaint with your insurance regulatory agency for your state, You should be able to find them through an online search, in the blue pages of your phone book or by calling your local Better Business Bureau office (file a complaint with them as well!), complaint forms can be found online. They misrepresented themselves as an insurance company providing insurance coverage - and this is fraud. Even though they are in Texas you can file a complaint with your state. Contact your state's Attorney General as well.

Don't just report this information here - take steps to protect others from being mislead. Enough complaints leads to a class action suit. The law firm Coughlin Stoia (http://www.csgrr.com/) specialize in insurance & consumer fraud and have already been contacted about this issue.

This sort of thing runs rampant because too many people are satisfied with getting their money back, and they just move on without taking any further action. Just make sure to keep a copy of any correspondence you send to any of these agencies and follow up with a phone call to make sure they received it.

In this economic climate, people cannot afford to lose any money, so you will be helping others by making sure that this fraudulent company doesn't victimize anyone else.

Post by Takeaction

RE: National Benefits Advisory Association Reviews

I joined today and cancelled today. When I called, they confirmed that my doctor was in the network. After looking myself, he was not in the network, they had the wrong doctor. They were very friendly in signing me up but very cold and almost rude when I cancelled. I just hope I cancelled, I will have to watch my bank draft information.

Post by Phyllis L

RE: National Benefits Advisory Association Reviews

Well, I finally got my money back, but they are still calling me. Maybe they will get shut down.

Post by pmdc4823

RE: National Benefits Advisory Association Reviews

UPDATE: after 4 days of constant calling, I found a phone number of 817 732 0657 which is the phone number for American insurance, the Pres. is Robert Merrill, I finally talked to a Jason Pruitt, who is over all the sales reps, and Gail Wright who is over finance, I had a conference call with them and Robert Merrill who agreed to refund everything including the non refundable deposit. He did say that he knew I contacted the Texas Rangers and The FBI and filed a IC3 complaint which was the wrong form, but implied that he would take anything considered Libel very seriously and would pursue it, because he had to protect the company. Time will tell if I get my money back. I do have to say, they offered to overnite a check. If you have problems, maybe this info will help.

Post by pmdc4823

RE: National Benefits Advisory Association Reviews

On 7/09 I signed up for one of their plans. Me and my wife are on ss and have no insurance, we take several meds each, and have preexisting conditions, her breast cancer, me heart problems, therefore no insurance, I thought this was a godsend. I' was told it would go into effect on 7/15 later after debiting my account, I found out that it wouldn't go into effect until 8/1. a sales rep named Sue lynn advised me that I had been lied to by Christina cook. After a struggle I found a woman name Darin in Corp office, who advised that she would apply for a refund.

So far she has been nice. I have not received anything yet. Using lies myself, I finally got in touch with a person name Jason Pruitt, who is supposed to be working on it. This whole company lies, Jason stated they have no unresolved complaints. I called the Texas Rangers HQ in Austin who advised me to contact the FBI I did and filed an IC3. This company needs to be put out of business and someone jailed. I will update as to the next thrilling episode. If you need to get in touch with them, try using some far out scheme, It proves that Con men can be easily conned.

Post by pmdc4823

RE: National Benefits Advisory Association Reviews

This place is such a scam, but they cover they tracks VERY well! I called and talked to someone two weeks ago and signed up. Then I called back twice to ask a few questions and got the same response all three times I talked to someone. There was a $30 copay for dr. visits, $45 copay for specialists, etc, etc. I knew it wasn't insurance, but everything they told me sounded like the next best thing so I signed up. I even had them look up my doctorsrs and they told me they were in the network.

After getting off the phone the first time, I looked them up myself and the drs weren't listed. I asked them about that the second time I called and they said I wasn't able to see all the drs listed becuase I wasn't a member yet. What a crock of crop! I just called the home office to see where my cards were and I was told everything that I was told by the people signing me up was false! There own workers told me that info was false...how sad is that!?

I am now sending in my cancellation letter because I have two small children and need REAL insurance, and not something that is just passing itself off as the real deal. I'm not afraid of doing what it takes to get the discounts, but it's not what I was told when I signed up. A discount is not the same as a copay for a doctor's visit!

Post by mykids2

RE: National Benefits Advisory Association Reviews

I sincerely wish I had not joined this outfit. It was NOT explained to me in any detail by "Raymond" who got me into this mess. This is what I got from speaking with NBAA on the phone:
For Doctors care you must check with Galaxy Network to see if your doctor is in the network. If not, then they will call the doc and try to get them to sign up. If that doesn't work they will also provide a list of doctors that are on the list in your area.
For prescriptions: You have to talk to Clarity something or other.
For lab work: There is yet another outfit called direct labs that you'll need to contact PRIOR to having the lab work performed.
What a Pita! Nowhere on the website does it mention that NBAA doesn't actually do anything, they just take your money and tell you who you need to contact to actually use the system. While technically not a scam, it sure wasn't explained very well by our friend Raymond.

Post by slkpkr

RE: National Benefits Advisory Association Reviews

Barbara:
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 med. services if you don't have ins. They don't pay the bills they negotiate a discount in advance of services.

Post by I can read

RE: National Benefits Advisory Association Reviews

As several people have posted here I want to take a few moments and tell you that despite what the majority of people are saying... NBAA is legitimate however most people don't take the time to follow the instructions provided. They don't want to take responsibility for their own ignorance. If you can't get any other health insurance then this is better than nothing. You do have to follow procedures to get the discounts. You can't just slap down your card at your doctor's office or the hospital and expect a discount. You do have to plan ahead and Galaxy still will negotiate with your doctor or hospital even if they are not in the network. After reading these posts all I can say, is be an informed consumer and do your homework before signing up for anything off of the internet. I personally have used their services and have gotten great service and great discounts but then again, I followed the procedures outlined in the Membership Guide. I hate to see NBAA get a bad rep because people expect it to work like health insurance and it doesn't. If you are shopping around for health insurance expect to get bombarded by calls. This is how that works. If you don't want to be called then don't leave your information on a website. If you are looking for insurance pick up your phone and call agents locally or call a friend or family member who can recommend a good agent. As far as the BBB rating, if you would take the time to look further you will note that all the problems have been resolved satisfactorily. Again, people expect this to be health insurance and it's not. It is a discount medical savings plan. You don't have co-pays and it is not underwritten. Again, if you have an uninsurable condition this is something that you can use to help you pay what you would already be having to pay provided you follow the instructions in the Membership Guide. You do have to call Galaxy and have them negotiate the price of a Doctor's services for example. If the doctor normally charges you 100.00 for an office visit and Galaxy negotiates him down to $ 50.00 then that is a 50% savings. You still have to pay the $ 50.00 but not the $100.00 you would have had to pay. That is where the savings come in!

Post by Kirbie

RE: National Benefits Advisory Association Reviews

This is serious, and everyone is entitled to their own opinions, so let them speak. I also had an encounter with them and they have harassed me all day, calling non stop, I said I would think about it and they just keep calling, and I knew it sounded too good to be true, and the number that the Jennifer gave up there on 11/17 is the same number in front of me, and a woman named Regina said it was her direct line. Somethings fishy with it and I say stay away!

Post By amber (Guest Post)

RE: National Benefits Advisory Association Reviews

I joined this "insurance" company on 2/2/09 for my husband. Discovered within the same phone call, during the final part of the review, and conveniently after I'd paid for it, that the insurance was not what I had been told it was. The representative I had talked to at the time went by the name of Jason. The manager who assured me I'd be seeing my refund in 3-5 business days, was a Megan Fulmer. Needless to say, 3-5 days came & went, with no refund. It took 2 days of phone calls & leaving ignored messages before I called and she was the one that answered the phone. I was quickly brushed off, by her telling me it was out of her hands now, and that I needed talk to customer service @ 1-877-202-7574. At that point in time, I also found their website, and was even more irate because how the website explains this insurance, is nothing even close to what this Jason - rep had told me I'd be getting. Anyway, I got hold of a Tracy Richardson in Customer service who told me I needed to send something by fax, in writing. I did that, and didn't hear anything back. I called them the next day, and at first she claimed she'd never recieved the fax...and then finally claimed she'd found it. At that point in time, she claimed it would be sent to another department, and that I should be seeing a refund sometime after the 15th of this month. Well, that day has came and went...and you can guess what ?? No refund. $249.95 was taken out of our account. I tried calling them yesteday with no success, and sent them an email. Called them again today, and after claiming at first, that no such name was in their system, then FINALLY found us, and now we're being told we should be recieving a refund sometime after the 1st. I've called my credit card company and I've filed a complaint with the insurance commisioner of our state before adding this complaint. I found another site where a rep was defending the insurance....and I guess my issue is, if you describe the insurance as WHAT IT IS, and people by it based on an educated and informed decision...that's fine - but what I was told, versus what I discovered I was purchasing - was just a lie. There's no way around it, and now that they're playing this game with the refund, one can't help but wonder if the whole of NBAA isn't a fraud.
I've just had it, and now, because we're both disabled on a fixed income, I can't purchase my husband any health insurance, until this money is refunded.

Post by Whystlestopcafe

RE: National Benefits Advisory Association Reviews

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 cancelled and are not satisfied is because you are to inpatient to wait for your packets or you got scared because insecure people thought bad about the company. Yall 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!

Post By Jessica (Guest Post)

RE: National Benefits Advisory Association Reviews

on 2-3-09 I received calls trying to sell me this so called insurance thank goodness I didn't do it after readiing the postings on this site. Thanks for the info and for stopping me from making a mistake.

Post By roberta (Guest Post)

RE: National Benefits Advisory Association Reviews

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 cancelled within 3 days but they tried to wiggle out of the refund time & 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 is true.
Don't delay, no more people need to be hurt by this company.

Post By Janice (Guest Post)

RE: National Benefits Advisory Association Reviews

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 disgruntal 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 rec'd $50 off each doctors visit which is sent to you later. I have SAVED roughly $1000, but there 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 now 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%respectfully. 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.

Post By Dave (Guest Post)

RE: National Benefits Advisory Association Reviews

I joined this joke of an insurance company (and I use the term very loosely) so I could get lower cost medication. That never happened and I am guessing it is because they are not an insurance company. I signed up 3 weeks ago, and still have not received any information from them. Their excuse is "lost in the mail".

When I finally called, got the numbers to use the insurance co-pay, the medication that I take is not on their list, so I still had to pay full price. The guy that signed me up is now totally unavailable. Supposedly he got a promotion. Probably the best scam artist of the week.

I decided to cancel the insurance and get my money back, and they say you have to write "cancel" on the paperwork and send it back. Since I have never received it, that makes it a little hard. Someone suggested filing a complaint with the State licensing and Regulation board in Texas. That is where they are located. That is what I am going to do.

Has anyone else gotten their money back. I would be interested in joining in a class action suit to try to recover the "NON-REFUNDABLE" fee they charge. This is basically false advertising. I would love to hear from anyone about the suit if there is one. My address is msdodgedakota at g mail dot com.

Post By Brandy (Guest Post)

RE: National Benefits Advisory Association Reviews

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 against them.

They are based in Texas so start with complaints to Texas Department of Licensing and Regulation.

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.

Post By Nobody (Guest Post)

RE: National Benefits Advisory Association Reviews

Was anyone able to get there money back, I signed payed and later canceled because I was misinformed, but they got my money and I am scared I won't get it back.

Post By Enter your name. (Guest Post)

RE: National Benefits Advisory Association Reviews

They told us that the program give a 70% discount of hospital visits and has co-pays to clinic visits. This is simply not true.

They also charge you a $100 non-refundable processing fee.
Most of the doctors in their plan never heard of the NBAA that I called neither did the hospitals. The hospitals also said that an individual could negotiate a lower price that most of the plans out there.

Get on their website and call the local doctors yourself. Having no plan is better than this plan.Where does one find legal recourse from a company and it's employee's that sell you a shady product?

Post By Guest (Guest Post)

RE: National Benefits Advisory Association Reviews

This place also took my dad's money and he never got any papers or materials. They also took his card number and took the money out of his account not once but 2 times in the same day. Don't fall into this trap.

Post By Enter your name. (Guest Post)

RE: National Benefits Advisory Association Reviews

I know that I'm just another negative poster on here, but I thought that I should relay my story.
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 account.
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.

Post By Anna (Guest Post)

RE: National Benefits Advisory Association Reviews

There are #s you can call back to. The maketing # you have is sales only. Customer service has many tel #s and is all legit. I have talked to the underwriter. Most people just right of the bat think things are shady. But not always the case but people are impatient and want resolve right now. Nothing works like that. If you look at the comment on 9/30/08 you will see what I have stated.
The tel #s for cust service are: NBAA 877-202-75754, email cusomerservice@nbaabenefits.com . The underwirters name is Wayne and his direct line # is 800-732-0657 xt 636. He can tell you everything you want to know about the program but he is not customer service and cannot tell you where your package is, but would be the second step to go to if no success at customer service. I have talked to these people and most are very nice.
The T

Post By Dave (Guest Post)

RE: National Benefits Advisory Association Reviews

I just talked with some one from NBCoverage, name 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 cancelling is the problem. I don't think this is worth the risk when they beg for your CC# before anything else.

Post By nina (Guest Post)

RE: National Benefits Advisory Association Reviews

I am in the same boat as some of you. I have tried to cancel this 'whatever it is' I got bamboozled into it and now can't get out. I have notified my back about them and if they should try to get money out of my account. Not being able to contact them is very 'shady' and of course their website is not helpful at all.

Post By Ricardo R. (Guest Post)

RE: National Benefits Advisory Association Reviews

I just changed jobs and a coworker told me to give this company a call to get insurance coverage until the new employer's coverage took effect. I did. I paid a "special price" by credit card over the phone. Was told I'd receive the paperwork within 10 days. Nothing so far. It's been at least 10 days. Tried to call the rep's # and the main #. Left messages. No callbacks. Hmm.

I'll admit I totally trusted the # because it was given by a coworker and didn't even THINK about checking it's record. I did say I wanted the monthly bills to be mailed to me rather than by monthly cc though. Will have to check the cc acct though. Live and learn! I have a month and 1/2 to hope we stay well!

Post By Ro (Guest Post)

RE: National Benefits Advisory Association Reviews

This beats not having any insurance, or if you have pre-existing conditions where a large insurance company will not take you on, as this pays 20-56% on different things depending on what it is, of coarse. It includes blood work, tests etc. I have talked to an underwriter there and he spent 45 minuets explaining the benefits, possibilities, pros and cons and it really is a stable insurance plan-although not MAJOR medical.

It's a good discount plan with many plans and options that are changeable and you can cancel at any time. You will not get an ID # until you have paid because it is not a MAJOR medical insurance plan. Only MAJOR medical insurance companies gives you an insurance policy # ahead of payment.
Lots of people that have had things not go quite right (you cannot please everyone all of the time in any business) the way they thought it should "for lack of a better word is" ignorant, because they did not read, or did not give the company a chance to fix or make things right.

Give anything a chance and you may be surprised. This company has made all things right with anyone in the past and has actually gone out of their way for me. If you are too skeptical, you will talk your self out of it before you even give it a chance. You have nothing to loose but use it for the first time in the first 30 days and see.

Although I have not received what is covered and what is not, on a Urologist bill I incurred earlier this month of Sept 2008. I did check ahead of time with NBAA departments to see when my discount would be on these tests etc, if was going to have, and some of them were a higher % than others.

So we'll see when I get my bill but I have confidence in this. I will update after that time and even give printout of what happened at that time.

Post By Enter your name. (Guest Post)

RE: National Benefits Advisory Association Reviews

Hi my names 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.

Post By Tammy (Guest Post)

RE: National Benefits Advisory Association Reviews

This is in feedback to Eliza's post on 7/21/08 who works for NBAA-

What does Transamerica (who underwrites policies for America's Insurance Consultants, LLC-(AICL)), NBAA all have in common and why?

And why does AICL have the same address as NBAA in TX? IT sounds like like are all one in the same company?

Do they pay claims and doctors bills as they say they will? There is some dirogotory info about NBAA on the internet and their failure to pay claims, etc.

Post by db46#^wlM

RE: National Benefits Advisory Association Reviews

I unfortunately have become a negative poster. I had signed up with NBAA for ins for myself and my 2 daughters. After specifically telling them not to draft my account until my other Insurance company was cancelled (so I wasn't double drafted). They did it anyway and not for the dollar amount that was stipulated. I have called them 5 times in the last 3 days. No return calls and now I will be turning to the Attorney Generals Office and The National Insurance Commissioners Office. This drafting has really fouled up my account. If in some way this can be resolved through any information gained through this posting I would greatly appreciate it. email address is geekypeeky AT hotmail.com

Post By Chris Peek (Guest Post)

RE: National Benefits Advisory Association Reviews

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.

Post By Eliza (Guest Post)

RE: National Benefits Advisory Association Reviews

I got a lot of marketing calls from them after I requested info on insurance or health care plans from a website. They are very agressive marketeers. I backed off when they said they were raising the price, trying to get me to commit today, I thought. I have no idea if their discount plan actually works or not, but I got turned off by their marketing style.

Post By Dave M (Guest Post)

RE: National Benefit Advisory Association Reviews

National Benefit Advisory Association is a discount medical plan organization with approprate 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 subect to libel.

Post By Bob (Guest Post)

RE: National Benefits Advisory Association Reviews

I was trying to find health ins. I have gotten bunches of phone calls from this company, so I found this web site, and thank heavens I did. I think , this may be the same company , under a different name, that I tried years ago. When I went to use this ins. and called several of the approved providers, they didn't have a clue , what I was talking about, I tried to cancel, to no avail. I was having it directly taken out of checking. My bank said they can get the money back, but only if you know right away when they took it, so they can tell them. Once I was able to do this once, they quit trying to take it. I got lucky there, this could have gone on forever.

Post By charlotte (Guest Post)

RE: National Benefits Advisory Association Reviews

this is crazy, i knew something wasent right when they told me that me and my child would be fully covered for only 120 a month. I told the guy that I didnt have any money right now and I would call him back when I did. The man insisted that he could get my credit card number or my routing number now and that he would take the money out later. I knew that it was weird so I just hung up on him. What insurance company keeps on insisting your information when you said you dont have the money right that second

Post By andrea williams (Guest Post)

RE: National Benefits Advisory Association Reviews

thank u soo much for these reviews. i knew it seemed to good to be true. they keep calling me to sign up but i just felt like it wasnt a real insurance company. im glad i didnt respond back, and im sooo sorry for the people that lost their money.

Post By Victoria,TX (Guest Post)

RE: National Benefits Advisory Association Reviews

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.

Post By CINDY (Guest Post)

RE: National Benefits Advisory Association Reviews

I am SO glad I found this site BEFORE I said "yes" to this company. The main issue that triggered my suspicion with them is that they wanted my money up front and THEN they would mail me the contract info. THANK YOU!

Post By Susan G (Guest Post)

RE: National Benefits Advisory Association Reviews

I just got a call today and called them back at
1-888-289-4224. This is actually the manager of a "Angie Jones". Angie told me her direct number is 1-817-560-9098. Hope this helps. I called the 888 number and got through. She then transferred me to Angie. I think their offer sounds a little too good to be true. Hope you get your money back. Also, I looked them up on Google and found their direct website: http://www.nbaabenefits.com/index.asp Again, hope this helps and good luck.

Post By Jennifer (Guest Post)

RE: National Benefits Advisory Association Reviews

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 you.
Its always best to do business with a local company that has past 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 savy 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.

Post By Steve (Guest Post)

RE: National Benefits Advisory Association Reviews

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 their 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.

Post By K. McClellan (Guest Post)

RE: National Benefits Advisory Association Reviews

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.

Post By K. McClellan (Guest Post)

RE: National Benefits Advisory Association Reviews

FOR 2 WEEKS i HAVE BEEN TRYING TO CONTACT THEM TO CANCEL AS IT IS NOT WHAT I EXPECTED ONLY TO FIND i CANT GET THRU TO THEM BY ANY MEANS

Post By Larry Weiss (Guest Post)

RE: National Benefits Advisory Association Reviews

Nationa Benefit Sdvisory Association, Called me I orderd the Benefits but called and cancled before the 30 days, well they took my money now they will not call me back to give me my money back, and i have no paper work from them. I dont know what to do? I live in New York state

Post by wendydjr88

RE: National Benefits Advisory Association Reviews

I also purchased a so called supplemental policy. But now after reading their website, they say they are not an insurance company but rather offer contract providers that discount their services! And they also say, they do not pay the provider directly? The BBB did not have many negative replies about them. Most of the ones they had were resolved. I still don't know if this is a good decision or not? It did say that the discount provider could drop out of the program at any time without notice. Naturally I found out all of this "AFTER" buying! Their website is at www.nbaabenefits.com if you go to the "About Us" portion they tell at the bottom, what they are not! I know this doesn't help much, I'm still skeptical!!! Who knows..........J

Post By Jerry (Guest Post)

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