False offers of cash subsidies used to 'capture' health insurance customers, lawsuit alleges

Defendant Enhance Health LLC is listed by Florida’s Division of Corporations website as a Florida-registered limited liability company with its principal place of business in Sunrise. The agency’s CEO is Matthew Herman, 38, who is also named as a defendant.

TrueCoverage LLC, another defendant, is a New Mexico-based health insurance agency registered to do business in Florida.

Defendant Speridian Technologies is a New Mexico-based company registered to operate in Florida.

Speridian Technologies controls TrueCoverage and another company, not named as a defendant in the lawsuit, that’s identified in the complaint as the developer of a software platform used by the agencies to access consumers’ ACA accounts, the lawsuit says.

TrueCoverage is a sub-tenant of the Sun Sentinel in a building leased by the newspaper in Deerfield Beach.

Defendant Number One Prospecting LLC, doing business as Minerva Marketing, is registered in Florida and its principal place of business is Fort Lauderdale. Minerva’s founder and CEO is Brandon Bowsky, 31, also named as a defendant, according to the lawsuit.

TrueCoverage and Enhance Health, the lawsuit alleges, spent thousands of dollars daily to purchase consumer contact information from outside lead-generation companies, including Minerva, despite knowing the leads were generated by ads that promise “cash benefits that do not exist,” the lawsuit states.

The lawsuit claims that TrueCoverage, Enhance Health and their agents use “uniformly constructed sales scripts designed to deflect consumers’ inquiries about the monthly cash payments.” The companies, the suit states, “mislead consumers to believe that those cash benefits will be coming ‘in the mail’ from health insurance companies like Ambetter, Cigna and others.”

Plaintiffs include consumers and health insurance agents

The lawsuit designates two plaintiffs classes: consumers who alleged they were victimized, and agents who said they lost thousands of dollars in commissions.

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