Recently joined HBF, from the start they overcharged saying that it was until they confirmed the rebate and they would refund once approved. I kept calling over and over about my refund and rebate, customer service reps were friendly but never followed up to my questions, wouldn't get a call back or email with an answer. I gave poor feedback on one of their surveys, someone called me back and said that they were never going to refund, that I would get that money back on my tax refund.

I got this much trouble over little money, I can't imagine how difficult the process is when you actually have to pay for surgery or an expensive treatment. I had to cancel this policy.