Reviews
This profile includes reviews for AmeriFlex's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
1/5 stars
Average of 17 Customer Reviews
Want to share your experience?
Leave a ReviewReview Details
Review fromT. K.
Date: 02/03/2025
1 starT. K.
Date: 02/03/2025
The person I spoke to was as nice as could be, but the company itself is immoral and a horrible company. I logged in to pay my January payment and paid it in full, 100%. I later received a letter saying I owed another 20 something dollars as my former employer had increased the price. I logged in to pay and they wanted to charge an additional $20 to process, so about a 95% processing fee. As this was not my fault, why should I have to pay the fee? I called the service line and was told to just "pay the extra cost when [I] make the February payment". I logged in to pay my February payment and was told it can't be accepted because I missed my "grace ******** I called back in to the service line and they tell me now I have to mail in the payment. This is what is wrong with society. I have done nothing wrong, I pay my bills on time and in full and yet immoral companies like this force us to jump through hoops and pay extra money. If you wonder why our country is failing, this is the reason. So sad!AmeriFlex
Date: 02/05/2025
Dear ******,When the employer changes their group plan your COBRA coverage will also change. The change can affect the monthly premiums, coverage levels, and insurance carrier. Once the employer informs us of the change, we mail out a Plan Change Notice explaining the changes to your plan. In some cases we are provided the information after the changes have gone into affect. Due to the changes to your employer's group plan, your premium amounts have changed. You are still within your ***** ******* and can still pay the remaining balance for your January premium. If you would like to avoid the $20.00 payment processing fee online, please mail a check for the remaining premium amount. As long as the the payment is post marked with a date prior to your ***** period end date, we will accept the payment. Sorry for any inconvenience you are experiencing.T. K.
Date: 02/11/2025
Thank you for your communication regarding the changes to my COBRA coverage and the associated adjustments to my premiums. I fully understand that changes to an employers group plan can impact COBRA participants, including monthly premiums, coverage levels, and insurance carriers. However, I believe there are significant issues with how these changes are being implemented and their financial impact on end-users like myself.1.Timing of Changes and Communication:If changes result in increased costs for participants, it is reasonable to expect that such changes should either:Be communicated prior to the next billing cycle, or Not take effect until the following billing cycle, giving participants adequate time to adjust.Alternatively, if the timing of the change is beyond the employers or administrators control, the additional costs incurred due to the delay should not be passed on to participants who did nothing wrong.2.Unnecessary Hardship from Processing Fees:Requiring participants to mail payments to avoid a $20 processing fee places an undue burden on them. Many individuals may not have immediate access to checks, envelopes, or postage, which requires additional time and expense on their part. This creates unnecessary stress and inconvenience for participants who are already dealing with unexpected premium increases.3.Miscommunication During My Call on January 27th:On January 27th at 8:53 AM, I spoke with one of your representatives who confirmed multiple times that I could pay the additional amount electronically when making my February payment. Unfortunately, when I attempted to do so, the system did not allow me to proceed, stating I was outside the payment window. Please refer to the recording of this call as evidence of the guidance provided during our conversation.4.Ethical Responsibility:It is unfair and unethical to pass the consequences of delayed or mismanaged communications onto participants. The former employers actionsor lack thereofshould not result in additional financial burdens or logistical challenges for individuals who are simply trying to maintain their health coverage.Sincerely,******Review fromJohn M
Date: 05/24/2024
1 starJohn M
Date: 05/24/2024
A Disappointing and Disorganized Experience After multiple interactions with Ameriflex, it has become evident that their processes are plagued by disorganization and poor management. Despite my efforts to approach the situation delicately, the company's performance has been deficient and unacceptable, leaving me frustrated and dissatisfied. Throughout a total of four different calls, I have been provided with inaccurate and misleading information on more than one occasion. This lack of reliable communication has led to significant frustration on my part, as a substantial amount of my time has been wasted on unproductive and unnecessary delays.These repeated calls and submissions have taken me away from precious moments with my family, including quality time with my newborn childthe very reason I established this account in the first place. As a customer, I expected a more efficient and reliable experience from a company of Ameriflex's stature. They should be embarrassed by the quality of service they provide their customers.AmeriFlex
Date: 05/28/2024
Dear Member, After review of the documents submitted, the expense is not eligible under the type of plan you are enrolled under. We apologize for the inconvenience this may have caused you. A more detailed email has been sent to you with information. -Ameriflex TeamReview fromMia P
Date: 05/15/2024
1 starMia P
Date: 05/15/2024
DECEITFUL company. Ameriflex is the worst company Ive ever had the misfortune of having to deal with. I was told countless incorrect information. Spent hours upon hours trying to get a refund on Cobra premiums I paid for my son after I found out he wasnt even eligible and had no coverage, yet Im still expected to keep paying the premiums. Have gotten nothing but a run around with one excuse after another. Told something different each time I call. Cant express enough what a horrible experience it has been doing business with this companyAmeriFlex
Date: 05/20/2024
Dear Member,We sincerely apologize for any inconvenience you may have experienced. To proceed with your request, we kindly ask for the date when the carrier removed your dependent. Once we have this information, we will be able to process your request promptly.If you have any further questions or need assistance, please do not hesitate to contact us at ************. We are here to help and are always happy to assist you.Thank you very much for your understanding and cooperation.Warm regards,Ameriflex COBRA DepartmentReview fromLady J
Date: 04/25/2024
1 starLady J
Date: 04/25/2024
Can I give this business a big fat ZERO. They are horrible. Will not listen to the cus , will not read previous notes and comments, will not let you talk to supervisor or there is never anyone that comes on phones. And won't call back if message left.AmeriFlex
Date: 04/26/2024
Dear Participant,I apologize for any inconvenience you may have incurred.In checking the notes on your account, I see you have spoken to one of our supervisors and your concern has been resolved.Please let us know if we can be of further assistance.Sincerely,AmeriflexReview fromNisha L
Date: 12/15/2023
1 starNisha L
Date: 12/15/2023
I'm an injured home care worker and when i hadn't been back to work i received a card from my union local 503 saying my dental insurance was expiring in June ,but i had the option of singing up to Ameriflex Cobra to keep my insurance, I filled out the form and started paying out of pocket premiums of ***** per month starting in June ************************************************************************************************************************** the system and to wait another month to see if i had coverage and was told to phone ****** to check for eligibility and was told i was not in the system.so I called Ameriflex Cobra back and was told i needed to keep paying my premiums which i did, but still no coverage. I keep receiving reminders to keep paying ,but never receive proof of coverage have phoned them many times and it never gets resolved. where is the premium money going?It appears I'm being scammed and have been paying my premiums on time but continued to not have coverage. some body needs to audit Ameriflex CobraAmeriFlex
Date: 12/18/2023
Dear Member,We sent the original reinstatement on 08/02/2023, however once aware of your issue, sent another reinstatement request and recieved confirmation on 12/05/2023 that your coverage was retroactively effective from 06/01/2023. If you incurred any out of pocket expenses, you can submit claims through your insurance carrier. We apologize for any inconvenience you may have experienced.Sincerely,Ameriflex COBRA TeamReview fromLizet L
Date: 07/03/2023
1 starLizet L
Date: 07/03/2023
I left my employer in the middle of May 2023 and I was planning to enroll in the ***** program. I did not receive the enrollment information for the program until after the middle of ****, and I still had to call today to register my account. Once they helped me set up the account, they informed me that I still had to pay for **** even though I didn't receive any information from them on how to set up the account to pay for service. Once I sent in my enrollment letter, they barely sent out a letter to me about my account on **** 23, 2023, which I still haven't received, but they are still expecting me to pay for a month that is already over. I feel like they are trying to steal from customers by not providing adequate information on how to register their accounts.AmeriFlex
Date: 07/07/2023
Dear Member,We understand your position, however, COBRA is a Federally regulated program in which a gap is not allowed. Per these regulations, the employer has 60 days to notify us that you qualify for COBRA and then we, as the third party administrator of your plan, have 14 days to mail your Specific Rights Notice Letter to you. This notice allows you the option to elect or waive coverage.Your qualifying event date was 5/15/2023, your account was created on 5/26/2023 and your notice was mailed 5/30/2023. Included in the notice are instructions on how to register and enroll online.If you incurred any out of pocket expenses for medical or dental, you may file for reimbursement with your insurance carrier.Please let us know if we can be of further assistance.Review fromRaul B
Date: 06/15/2023
1 starRaul B
Date: 06/15/2023
They stole my money and never approved any claims I made. When I left my employment i was still unable to access the funds I requested and now my account is gone and I will be unable to recoup the loses of over **** dollars and had to unenroll my daughter out of daycare because of being unable to speak with their representatives. I provided Itemized receipts from the daycare and they never gave me my money back. I will be making recommendations to the city to discontinue their use.AmeriFlex
Date: 06/16/2023
Dear ***********,We at Ameriflex would like to assist you in recouping any funds possible within the regulations of your plan. Please note that per federal regulations, reimbursement may only be provided for dates of service that took place while the plan participant was actively employed by their employer. If you would like to file an appeal of your existing claim to request reimbursement for dates of service during which you were actively employed by the employer that sponsored your plan, you have 180 days from the date that your claim was originally denied to file your appeal. For a day care service, rather than using an itemized receipt, we recommend filling out the Ameriflex Claim Form and having your child's day care provider sign or stamp the line that reads "Provider Signature or Stamp (if no receipt is available)." As mentioned above, in the "Date of Service" section, you may claim only for the dates of service that occurred during the plan year, during the time which you were actively employed by the employer that sponsors your plan.After completing the Ameriflex Claim Form, you may file your appeal by email to ************************************ fax to ************, or mail to Ameriflex ******************* PO Box ******, *****, ** ***** When filing your appeal, please include a note on the claim form or a cover letter that states that you are appealing a previously-denied claim, and please list the claim reference number of the previously-denied claim. You may find this reference number by logging into the Ameriflex *********** Portal or Ameriflex Mobile App and clicking on the denied claim in question. If you would like any assistance with locating the claim reference number or any other assistance with this process, please contact us back by phone at **************, or please feel free to email us at ************************************* and we will be happy to help you.Thank you,Ameriflex *********** ServicesReview fromZora M
Date: 05/16/2023
1 starZora M
Date: 05/16/2023
The worst FSA provider we've had for the *****************. They randomly don't approve properly documented claims and getting through to an agent is all but impossible. Too many of us are having trouble getting them to properly communicate with us on even the most routine claim submissions. After submitting a recent claim for follow up with my oncologist I was given an email telling me my claim was ineligible but no reason was given as to why. After checking online it showed that it was partially approved because "Patient Responsibility" wasn't indicated on the bill; it was ... clearly. They just had some random amount they would approve instead of the clear total after insurance payed their portion. They seem not to care that this is actually OUR money that we've deposited into the account to cover our out of pocket expenses for medical care. Too bad we can't bill them for all of the time we have to invest in having them administer our accounts properly. I FINALLY get a call back and they tell me that I'm not authorized to speak on our account due to HIPPA. I've been taking care of our Flex accounts for many years and have spoken directly with their representatives before. At this time, there has been no resolution.AmeriFlex
Date: 05/17/2023
Dear ****,I apologize for the frustration you experienced.After reviewing the information, the transaction was partially approved due to an $18.69 discrepancy between your payment and the amount shown on the provided document. To address this issue, I recommend contacting the healthcare provider directly for a potential refund. They can refund the Ameriflex account directly.I understand the effort you've invested and apologize for any inconvenience caused. Please note, your authorization was added on May 16, 2023. It seems the previous interactions were initiated by the main member, and you were not included in those communications. Therefore, when you spoke with our representative recently, they had to obtain authorization from the main member before proceeding with the interaction.We take your feedback seriously and are committed to promptly addressing and resolving your concerns.Review fromLena M
Date: 04/12/2023
1 starLena M
Date: 04/12/2023
I am a Cobra participant and have been receiving denied claims from my drs via the insurance company!!! I elected timely and electronically and on auto pay. I cannot get a working phone number for ameriflex. They are taking my money and according to my insurance co, I was never reinstated!!!! w t H!!!! My ex Emily doesn’t have a working phone number either. I have also emailed several times.
This is ridiculous and legally I will have to purse this with dol Erika or whomever I need to contact.AmeriFlex
Date: 04/28/2023
Dear COBRA Member,
I was unable to locate an account with the information you provided. Please contact our office at by phone at 888.868.3539 Monday - Friday, 8:00 AM-9:00 PM (EST) and 10:00 AM - 2:00 PM Saturday (EST). You may also reach us by email at [email protected]
We apologize for any inconvenience your may have incurred.
Ameriflex COBRA TeamReview fromASHLEY S
Date: 03/03/2023
1 starASHLEY S
Date: 03/03/2023
For several years I sign up for the flex card. This year was the first I decided to sign up for the daycare program. The first time I sent in the paperwork it was denied because my receipt said "tuition". We clearly know a 3 year ild isn't in college but because that word was on my receipt it was denied. To say the least that was frustrating. I sent in the form with signature it was approved but reimbursement would be by check. Within 10 minutes of receiving the email after 9pm I added my bank info for direct deposit. The next morning I got on chat to confirm that is how I would get reimbursed and was told yes 3-5 days. I believe his name was *******. I haven't received the deposit so I login and a check was mailed. I got on chat and was told it takes 14 days to update to deposit. If I want the check stopped it would take 30 days for me to get reimbursed which is totally ridiculous. Again I chatted with ******* and he was no help just apologized. There was no other alternative given. The customer service is not great at all and I am requesting management to call me to discuss my concerns.AmeriFlex
Date: 03/13/2023
Dear Participant,
After reviewing your account information, we can advise that any future claims submitted will be reimbursed via direct reimbursement to the account listed on file.
We do apologize for any inconvenience incurred.
Thank you!
AmeriflexASHLEY S
Date: 03/20/2023
The point was not future reimbursement, it was the fact that I was told one thing one day and the same rep told me something different. There was no empathy or effort to reverse. There is always a way to fix a problem wven though "we' say it can't be. The response to the complaint is a perfect example of lack of communication and understanding. I get a standard pre-typed response I isn't personable at all.
AmeriFlex is BBB Accredited.
This business has committed to upholding the BBB Standards for Trust.
Why choose a BBB Accredited Business?BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.