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I received a letter from my former company Panalpina Inc. to say that PayFlex started to handle Cobra for them on July 1, 2010. However, I received seven months of billing from PayFex in the second week of June (billing from Jun.-Dec.2010). They demanded me to pay for June immediately because it was already past due. I told customer service at PayFlex that I June Cobra already prepaid in May to previous administrator Conexis. Panalpina Inc. told me not to make duplicate payment for June. I even sent in my proof of payment, but PayFlex just ignored. They just wanted payment period, and they did not want to hear anything else. Customer service was rude. They cut off my Cobra at the end of July 2010, and left me with 1, 000 of dollars unpaid medical bills for not having insurance coverage. I continued to send in payment for Jul.-Sept. PayFlex took my payment and applied to the months that I did not owe. The worst thing was my Cobra being terminated and they continued to take payment. I lost my job and I lost my Cobra too. It was a painful experience in my life.
BEWARE OF THIS COMPANY PAYFLEX SYSTEM USA INC. HOW THEY TREATED ME AND LEFT ME WITH 1, 000 OF DOLLARS MEDICAL BILLS FOR ME TO DEAL WITH. Panalpina Inc. helped me to restore my Cobra at the end of August. However, damage was already done by PayFlex. I was physically, and mentally super for the last 4 months.
Hope you don't have to go through painful experience as I have with PAYFLEX. God - please help me to get my medical bills resolve and help me to get a job soon.
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Pick, that's unfortunate that you had to go through that, however if the information PayFlex received from Conexis and your former employer said to bill you for those months then that's what they're going to do... bill you for what they're told to bill you for.
Something is wrong with that company - they need to give their employees a Cobra 101 course. We were fortunate that we tried to use our insurance one day after they told the Health Insurance Co. to drop us, since we had never used the insurance ever before during employment or unemployment. PayFlex was administering the Cobra plan for the former employer. If we hadn't, our coverage undoubtedly would have stayed "lapsed" and we wouldn't have a chance of buying our own insurance later. It was finally resolved, but in the interim someone kept making up new "rules" as to why it had been dropped in the first place - i.e. - it hadn't been paid on the first day of the month, (we tried to use it the second day of the month) - though the last day for payment is the last day of the month, and the coupons they had just sent out a few weeks before indicated that on each one. We had previously typically sent in the payments within the first few days of the month. When that excuse didn't work, she tried -" someone sent out a letter that the payment due dates had changed" - no one sent any such letter and no one could have since they are REQUIRED by law to give a grace period. I advise anyone who has to deal with this company to be very, very careful, document everything anytime you must speak to them and pay online so that your payment can't be disputed. Health insurance will be the death of us all.
There are certain directives that a former employer can give to a third party adminstarator. One of those being that the coverage will show inactive until the payment is recieved for that particular month. You still have the availability of the 30 day grace period, but your coverage will not show active unless the payment is made by the 1st of said month. It is called a "Paid to Date Sensetive" account.
Pay flex is absolutely horrible.They will attempt to keep your funds., by any means necessary.I feel they are dishonest snd decietful.I search daily for a class action lawsuit aganist this organization so that I may join in.I absolutely recommend staying away from this dishonest company, by design, you will not recieve reimbursement for a ligtimate claim.Run don't walk from Pay Flex, of Omaha, Nebraska.
Horrible customer service. they just want to keep your funds. the documentation they require is unrealistic and UNNECESSARY. I hate it. I opted out of medical reimbursment account with my employer this year because of them.
I agree. They are horrible. How can I file a law suit to FSA company? Thanks