Business ProfileforQuick Health

The following describes a government action that has been resolved by either a settlement or a decision by a court or administrative agency. If the matter is being appealed, it will be noted below.

On November 1, 2022, the Insurance Commissioner for the Commonwealth of PA (Department) and Arthur Walsh settled (Consent Order) for alleged violations of the insurance laws or regulations of the Commonwealth. According to the Consent Order, Walsh's agency provided sales scripts to employees which contained false statements including that its employees "work with all 37 A-rated insurance carriers" when that was not the case; provided false sales scripts to employees to be used when selling policies, stating it searched the entire market and provided consumers with the most amount of benefits at the most affordable rate, yet it only offered a specific coverage and had not reviewed everything available to the consumers; and provided false statements about its agents being "one of the top agents in your state" and being a "non-commissioned agent" when the agent in question was not the top agent in the state and was paid incentives/commissions based on the sale. Walsh's employees, using these false scripts, made the insured customers believe that they had purchased policies with full medical coverage that covered pre-existing conditions and surgeries and identified themselves to consumers as "The National Enrollment Center" and "The Health Enrollment Center" when receiving incoming calls instead of by its registered name.

The Consent Order states the Respondent also allowed an employee or employees to submit at least 5,669 applications for insurance under his name, 102 insurance applications under the name and license number of another agent who was no longer working for him, and allowed an employee to submit at least 12 insurance applications under the name of a licensed producer after they had left employment with Walsh’s company.

As a result of the Consent Order, Walsh agreed to cease engaging in any unfair insurance practice, fraud, forgery, dishonest acts, or an act involving a breach of fiduciary duty, civil penalty, and suspension and immediate surrender of all licenses to do the business of insurance.  The consent order is effective immediately.

Walsh's attorneys have advised the BBB that they filed an emergency petition to stop enforcement of the Consent Order. Walsh's filing argues that the Consent Order was obtained unconstitutionally by failing to provide adequate due process consideration in reaching the Consent Order. That matter is now pending in litigation.