Complaints

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.

• Initial Complaint

  Date:09/20/2022

  Type:Product Issues
  Status:

  UnansweredMore 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.

  9/6/22 I requested to waive my health insurance and offered to refund First Risk Advisors for the 2 months of coverage. My offer was accepted on 9/7, and then subsequently rejected on 9/8. On 9/8 I requested to continue the conversation, as there was a limited amount of time left to waive the insurance. 7 days later on Tuesday, 9/13 FRA responded that I could cancel my insurance. I just had a 5-business day window to do so from that day on Tuesday until Monday 9/19, today. I complied with their request and confirmed that my waiver and check of $560.12 and was delivered that Thursday 9/15. First Risk would not allow me to waive my insurance online, even though they had originally requested I waive it online in the first email. First Risk then again changed the agreement with me that they will not cancel my insurance until they cash my check, which has now been over 5 business days since it was received. They told me it would be cashed in 1-2 business days. Then once they received my check they changed again and said they would cancel my insurance only if my waiver was filled out correctly; however, they refused to address any of my questions or concerns about the waiver and timeline. I requested many times during this 5-day window if my information was sufficient. It is now past the arbitrary date for which I can waive insurance. The original agreement from 9/13 exchange is, "We will not remove coverage until this check is received in our office." My insurance should have been waived the moment the check was received - nothing is mentioned about cashing it. They conveniently changed the agreement on 9/15 after receiving the check, "We will confirm all contents are acceptable once your check has cleared. Please allow 1-2 business days for this." First Risk Advisors will not cancel the insurance if I use it before they confirm cancellation. Medi-Cal will only be a secondary provider during this time, so I have been without insurance coverage indefinitely.

• Initial Complaint

  Date:09/02/2022

  Type:Service or Repair Issues
  Status:

  UnansweredMore 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, authorized me, to send take care of her student health insurance information while she is on a year leave as I knew about HIPAA rules. She went to ***** ***** University and she has had a health insurance for a year, from August 2021 to August 2022. She asked that her health insurance to continue for 3 months until open enrollment for new insurance elsewhere. She was told by First Student to fill out a continuance enrollment form and send a check to First Risk Advisors. We sent the cashier check of $770.45 along with the form that she filled out before she left on leave through certified mail of USPS on June 16, 2022 so we could make sure the check got there safely since it was "cash". I have a picture of the check I sent. A month later, we had not heard anything, so we called First Student and they said to contact the broker(First RIsk) through the school's website. So we contacted by phone but it was only a voicemail and we emailed and left a message to contact us. We never heard back after few days. Then I tried again myself in August to see if I could catch anyone on the phone through relay service (I am hearing impaired/deaf) but all I got was a voicemail. So I sent an email. Two weeks later, I checked my daughter's email (as she asked me to check for her) and she had received an email about her health insurance ended. There was no mention receiving the mailed check we sent. I was confused. I called the bank and found that the check was not cashed. I tried to call the FIrst Risk again asking about the check but all I got was a voicemail. If they would have the courtesy to answering the question or responding to the answer whether if they ever received a check or not. or why they could not continue her health insurance if they received the check. If they cannot return the check, at least please they send me a letter for the bank to return the cashier check to us because it was a "cash" check.