Aubree Elmore
2025-09-24T16:06:12.889Z
In July 2024, I purchased a health insurance plan through Breezy Insurance (with Aubree Elmore as my agent/owner). In August 2024, Aubree told me directly that my plan’s deductible and out-of-pocket maximum reset on the calendar year (January 1st). I relied on that information when planning my medical care for 2025, including a major surgery and ongoing rehab.Unfortunately, that information turned out to be false. The plan actually resets on July 1st, the anniversary of purchase, not on January 1st. Because of this, I met my deductible and out-of-pocket max in early 2025 for my surgery, only to have it all reset six weeks later. This has forced me to pay thousands of dollars again for medical expenses that I deliberately planned around.When I raised this with Aubree, she admitted she relied on Anthem’s internal Producer Toolbox system, which incorrectly showed January, while the legal contract said July. Rather than taking full accountability, she shifted blame to Anthem’s system error, and told me I might need to file a complaint with the Department of Insurance. She later said she escalated the issue to Anthem’s compliance department and to her Errors & Omissions (E&O) insurance carrier, but I have since received no claim number, no contact from her E&O, and no resolution. In fact, I have now been completely ghosted even though I have followed up multiple times.-I was given wrong information from my agent about my plan.-I made major medical and financial decisions based on that information.-I’ve been left to absorb thousands of dollars in duplicate expenses.-Instead of accountability, I’ve experienced delay, blame-shifting, and now silence.This has been deeply disappointing. A licensed insurance agent and business owner should take responsibility when their client suffers financial harm due to misinformation they provided. Instead, I’ve been left stranded while recovering from major surgery.Both Breezy Insurance (Aubree Elmore) and Anthem bear responsibility here. Consumers should not be forced to pay the price for discrepancies between contract language and internal systems. I asked the right questions and relied on the answers I was given. I did everything right as a customer, and yet I’m the one left paying the price.I hope this review serves as a warning to others, and I sincerely hope Breezy Insurance and Anthem take this issue seriously and make it right.
In July 2024, I purchased a health insurance plan through Breezy Insurance (with Aubree Elmore as my agent/owner). In August 2024, Aubree told me dire... More