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I found their website to send in a refund within 30 days of the membership being mailed out,Go to:  http://hsp.iabbenefits.com/about/refund.html IAB Refund PolicyRefund PolicyMembers that notify IAB to cancel their membership within 30 calendar days from date membership materials are shipped are en***led to a full refund of their membership dues and the amount of the one time registration fee less $9.00 that is non-refundable. In order to receive your refund, you must return the membership ID cards to IAB P.O. Box 224767, Dallas, Texas 75222-4767 and upon receipt, IAB will then issue the refund.Refund Policy – Medical Savings PlanRefund Policy and 30-day Money Back Guarantee: If you cancel for any reason within 30 calendar days from the date of receipt of membership materials, you will receive a full refund of paid membership fees, including the one-time application fee.

My husband signed up for this so called ins.   We couldn't get any doctors to honor it.   They go by IAB say they are part of beechstreet ins.  The the insurance office at the doc  said they could not find them in their network and if I used the ins and they didn't pay, the bill would be my responsiblity.   I was paying $15.95 membership a month plus $165.95 ins a month.  Tried to cancel but they keep saying all representives are busy. We will get back to you. They did call me back one time, but the man promised he would find me a doc that would take the ins. , Then he never called back.  I had to go to the bank and pay $26.00 To put a stop pay on these people..............Talk to an other insurance man today from another company and he said  insurance companies are not allowed to charge monthly membership fees.Please be advised  THIS IS A SCAM

I just canceled because our doctors would not honor it and our county offers discounted pharms to all its residents.

SUCH BULL. ITS A DISCOUNT PROGRAM AND NO ONE KEEPS ITS THAT LONG. OBVIOUSLY YOU WORK THERE. HOPE EVERYONE SEES THROUGH THE BULL AND REALIZE YOURE AN EMPLOYEE- VICTIMIZING THE NEEDY. HOW CAN YOU SLEEP AT NIGHT. THERE IS A SPECIAL PLACE IN***** FOR PPL LIKE YOU

they are a non-profit company that is there to try and help people out. they never said its good for 1 day, only that it is on first come first served basis because they state limits how many plans they can sell. i have been a customer of their's for 3 years and love it. several of my friends and family have it too. they are saints. you people should be ashamed of bad mouthing so****ing you obviously know nothing about. this is a really great health plan. better than anythign blue cross or mr. obama has to offer!!

Got this call from a Mr david offering me an individual PPO plan (i live in new york)for me and my 2kids for only $149/month. The plan would cover ALL medical and hospital threatments,could go to any doctor/hospital of my choice no deductible only copays. Now, ive been shopping for quite a while to find an affordable INDIVIDUAL plan and the best i could get was a PPO (for hospital and medical) that didnt cover doctor office visits and for me only,not my kids, for $350/month.When i ask for plan details the guy told me to sign up first ( and pay) and then he would have given me all details, policy number and i could s**** from teh next day. My question is, did any of you receive the same call? is it real or is a scam?Pls letme know because if is real, well, i would get my kids and myself cover without spending lotof money. Thanks*****na