IHIAA – SCAM

The IHIAA (Independent Health Insurance Agents Association) is one big name in the health insurance business.

This organization was founded on March, 2008 by John Petrowski.  The man is also the creator of Agent Navigator and Maryland Health Plans.  These three companies are all on health insurance industry.  Since its establishment, the IHIAA has recruited more than 1,200 members.  The association opened opportunities for health insurance agents to get the best training and support that they need to succeed in the line of health insurance.

Many agents were encouraged to become members of IHIAA (Independent Health Insurance Agents Association) because they saw a good chance to have a lucrative career as advertised in the IHIAA website. The training included daily webinars, personal coaching, video library and morning chats every Monday, Wednesday and Friday.  This chance, plus promises of other benefits and discounts prompted the sales agents to sign up for membership.

• They agreed to pay a membership fee of $19.95 per month for 12 months.  If they wanted to pay for one whole year, the amount would be $159.  Payments were made out through PayPal or credit cards. After the membership payments were confirmed, the agent members were allowed to access the member site of IHIAA (Independent Health Insurance Agents Association)

• But it did not take the agents too long to notice that the normal practice of IHIAA is to recruit agents into joining IHIAA, make them pay the monthly fees and then refer them to Health Choice One, an IMO in Colorado.  It soon dawned on them that IHIAA is functioning as a recruiting agency of huge IMOs.  Anyone looking for an agent contract is always referred to the big IMOs in Denver.

• The agent contract also posed a problem to the agents.  They were made to sign for a one year training with no option to get out or stop whenever they see a reason to discontinue with the 12 months training.  To make things worse for the agents, the information they got from the supposed training was so simple and elementary, so that any new agents would be able to know it even if they do not join the IHIAA (Independent Health Insurance Agents Association).

Because of the above reasons, the agents believed that IHIAA has broken the business ethics in health insurance industry.  This association became big and stood out from the rest through unscrupulous tactics of recruiting agents.  It has become the fastest growing insurance association in the US at the expense of its poor agent members.  For these agents, taking advantage of the agents’ trust is a bad business practice and should be stopped.  So they went to courts and filed their complaints against IHIAA and its president, John Petrowski.  Some were rewarded with just settlements.

IHIAA (Independent Health Insurance Agents Association) and John Petrowski will not give you anything but tons of headache and financial burden, take action now and bring the person and his business to court.  Call the attention of the IRS and the State Labor Board.  His business license must be cancelled.

Remember IHIAA is a SCAM.

See more IHIAA complaints.

John Petrowski

John Petrowski

John Petrowski is owner and president of Maryland Health Plans, a health and dental insurance agency in Maryland. He is also president of the IHIAA (Independent Health Insurance Agent Association). He owns the Agent Navigators, a website designed to be a training ground for insurance agents.

A single mother of 3 children offered her services to John Petrowski in reply to an ad for a telemarketer. She was accepted and made to sign a contract of employment. She agreed on an hourly pay of $12 to be given to her on a weekly basis, every Friday. There was also an agreement for bonuses, depending on her productivity. She worked diligently as a telemarketer, and she was so inspired.

John Petrowski paid her salaries the first 3 weeks, and then stopped. The single mother needed the money to support her three children, so she asked her employer for her salary. What she was told was that her pay was put in the mail, but it got lost. Then he promised to give it to her personally as soon as he can, but he never got to that point. The poor employee continued to work hoping that she will still get her salary. She was at that time anticipating that she can get it in lump sum payment. She never thought that after three weeks, no other payment will be given to her.

A few weeks had passed and no payment came to her. So the single mother stopped working, but continued to follow up her salaries and bonuses that accumulated to over $300. She was given many reasons such as the ongoing divorce with his wife made him broke, or the IRS had his account frozen, so he did not have the money to pay for her salaries yet. She found out later upon speaking with the other complaining employees that these were the same reasons given by John Petrowski to his other telemarketers.

The former employee confirmed then that the man just did not want to pay for her services. He only gave promises after promises that he did not fulfill, because he did not have the intention to do so. She was counting so much on her salaries because she is the only breadwinner and she needs the money very badly. She wants to take this man to court, to get back the money that legally belongs to her. The mother is presently making consultations with an attorney to get advice on the legal procedure that she should take.

John Petrowski has robbed his employees of their services. He made them work with promises of pay but did not fulfill his part of the employment contract. The former employee is calling out for his other victims to make representations and don’t let this man get away with his bad ways of making money. And her advice to people who would like to work for him: stay away from this person. He is a liar, and will not face up his obligations.