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Business Profile

Employee Benefit Consultants

Benefit & Risk Management Services, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Employee Benefit Consultants.

Complaints

Customer Complaints Summary

  • 3 total complaints in the last 3 years.
  • 0 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:06/25/2024

    Type:Service or Repair Issues
    Status:
    UnresolvedMore info

    Complaint statuses

    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    My daughter was over charged by the wellnow urgent care provider in april 2024. Our copay was $40 and we had to pay $165 because it was billed wrong (per brms). I have contacted brms insurance (proxy scam) several times since this to reimburse the $125 and all they keep telling me is they will look into it and contact me but I never get calls with voice mails or even emails regarding this. And when I call them back they tell me nothing has even been filled yet and it will take 7 to 10 business days. We'll it's been months now, something is very off about this. And I know other coworkers were also having the same issue with being overbilled and some even going to collections.

    Business Response

    Date: 06/26/2024

     

    Hello,

    We show this claim paid to the Provider on 6/14/24, check #*****. The amount charged for the member portion was a $40 copayment and the balance was paid to the Provider.

    Our VP of Client Services has directed her staff to contact the member and advise of the above. If necessary, we will contact the Provider asking them not to bill the patient as the payment was made.  Note, the Provider did submit the bill through Cigna which then came to us for processing, so we are not sure where or why this member was told that a claim had not been filed. Again, we will reach out to the member to make *** she was given the proper information.

     

    *****************************

    Executive Assistant

     

    Customer Answer

    Date: 06/26/2024

    I am rejecting this response because:

    The representative I spoke with at brms told me they would get ahold of me to let me know what actions were taken after a claim was opened and how I was going to get reimbursed the $125 I was over charged. I called the billing department for well now clinic to see if what info they provided to the BBB was true but unfortunately it was after buisness hours. I will be calling them back tomorrow. Since what brms told me was false information to see if what they reported to BBB was also false information. And if it wasn't someone from brms needs to let me know who is reimbursing me.


  • Initial Complaint

    Date:12/19/2023

    Type:Service or Repair Issues
    Status:
    AnsweredMore info

    Complaint statuses

    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I want to cancel this health insurance plan. I never signed up to it, it was provided my my job site. I contacted them, and so has my employer to try and cancel the health insurance and every time we either never hear back or they hang up. This is very unprofessional and Ive tried every route to cancel this insurance. I already have a fantastic primary healthcare plan that covers my medication, I DO NOT NEED this insurance. I would never recommend this company to anyone ever.

    Business Response

    Date: 01/02/2024

    Hello,

    We were closed over the Holidays and do apologize for the delay in responding. Please see our rebuttal below.

    BRMS has been retained by All **** Home Health Services LLC and Elite HHC LLC as the active Third-Party Administrator of their self-funded medical plans. This member has been employed by both.

    This member is classified as an active home health care aide who is employed by these employer groups. They are subject to be compliant to Section-****-c of the ************** Public Health Law, or the Home **** Worker Wage Parity Law, which outlines that home care aides who perform *********reimbursed work within ************* and the counties of ******,Suffolk, and Westchester may be paid both a base wage and a supplemental benefit to satisfy a minimum rate of total compensation.

    This member had medical coverage under the active self-funded plan of All **** Home Health Services LLC, from 2/1/2019-2/28/2019 then was enrolled in the active self-funded plan under employer, Elite HHC LLC, from 3/1/2019 through current.

    The employers mentioned above are responsible for reporting employees hours worked to the broker of the self-funded medical plan which for both employers All **** Home Health Services LLC and Elite HHC LLC is ********************** (***). A monthly hours file is sent to the *** team that contains all of the Wage Parity hours that the employee worked each month to determine the members eligibility each month.
    *** then creates an hours-based eligibility file which is then sent to BRMS.

    has no authority to terminate an employee of these Groups. *** keeps sending BRMS a report showing her employed by Elite HHC LLC because they are receiving information from Elite HHC LLC that she is still active.  Again, it is the employers that is responsible to report the Wage Parity eligible hours each month to the team at *** to determine each employees appropriate coverages. Once the Wage Parity eligible hours are reported to the team at ***, the eligibility is sent to BRMS to then load the coverages into our MyHealthBenefits platform.

    Note: BRMS has no authority to terminate an employee of these Groups. We must receive the correct information from ***, and it has been determined that they do not have accurate reporting from the employer. 

    Please note that BRMS is not the *** of record for these groups as of 12/31/2023 but we are happy to work with you to assist the consumer wherever we can.  Please have her contact her former employer to ensure *** is receiving accurate information who will in turn report to BRMS. 

    We are sincerely sorry that the consumer is experiencing such difficulties, and we will assist where we can. However, we must follow the guidelines of the contract given to us and therefore must receive any termination instructions in the correct order.

    Thank you,
    BRMS
    ************************************************************

  • Initial Complaint

    Date:09/23/2023

    Type:Service or Repair Issues
    Status:
    AnsweredMore info

    Complaint statuses

    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    BRMS has taken months to pay a claim, to the point thats lab bill might go to collections. They have ignored my multiple requests to have in writing that my claim is pending and not denied. I have informed them their system is incorrect and showing my claim as denied on the entity who requires payments end and they have not remediated it. So, I keep getting notices I will go to collections. This is ridiculous if I go to collections. The claim has been pending SINCE JUNE.

    Business Response

    Date: 10/16/2023

    RE: Complaint ID ********
     
    Claim ID# ******** for this member was received on 6/29/2023.  The normal process for any claims for this ************** is to electronically send them out for repricing against their network/*** vendor.  There were issues with this claim as the provider of service is no longer contracted.  Therefore, the claim had to route to the *** vendor for pricing which did take an extenuated amount of time to get back.
     
    On September 26th, 9:55am, the provider of services LabCorp was contacted on behalf of the patient to advise of the delay in pricing due to their network termination.  *****, from LabCorp ***************), advised our BRMS representative **** that the member has not been sent to collections and that the account has been placed on hold for 30 days pending receipt of payment.
     
    The claim was received back with pricing on September 19, 2023, and was included in the **************s next check run on September 26, 2023.  ****************** funded the claim on October 4, 2023 at which time the check was mailed to the provider.  An additional follow up call to ***** at LabCorp was made on 10/4/2023 to provide her with the check number ***** and amount paid which was $63.08, leaving a patient liability of $20 which is her copayment.
     
    Please let me know if there are any additional questions or issues that need to be addressed.
     
    Thank you
     
    ***************************
    V.P. of Client Services

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