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.