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Assurant Health Reviews and Customer Comments

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These are comments left by site visitors who have completed a survey for this company. The comments are unedited and shown in the order the surveys were received. If you would like to participate, just click the "Take a Survey" button at the end of these comments.

"I have multiple companies and needed to find a god provider for each so I tested Assurant with family and 1 business for six months. What a disaster. Every call I was given different information from their phone associates. I got the complete wrong advice when I called to add our new born to my plan when I should of added to my wife's b/c there was better coverage on her plan. Very sloppy handling uninformed staff and fine print costs that leave one feeling unprotected. Shop around. In my expertise Assurant is the worst of the providers we tested. "
Commented on 2014-11-09 18:34:29 EST
"I was a customer for 10 years with a catastrophic policy never cost them a cent. Thanks to Obamacare apparently they tripled my rates overnight and never even bothered to call. Yes they sent a letter but they send those all the time and the numbers change only slowly so you never look. I asked for the difference on my last quarter to be refunded once I realized what was going on. As usual I had made no claims during this quarter. They tell me too bad we got your money tough luck.I'd try someone else."
Commented on 2014-10-17 15:05:29 EST
"They make mistakes on their end that cause them to consistently deny claims. Takes numerous phone calls and frustration to resolve. My policy covers acupuncture but the plan draws on an Aetna network which no longer covers acupuncture. Thus I am in a Catch-22 and unable to get the in-network coverage that Assurant says they provide."
Commented on 2014-10-06 16:33:50 EST
"We've maintained a two person high deductible policy 5000 deductible increased to 7500 deductible for 10 years. Besides checkups colonoscopys blood work we've not had a claim. We do not reach our deductible more than half the time. In summary we've never 'tested' the company with any major expense or medical issue. Our policy pricing was significantly reduced in 2014 when I told them we were moving to Obamacare. Our policy doesn't include free checkups etc. which are not free. It is a flat out lie to say that we now get all these services free. They are included but not free if you choose an Obamacare plan. And the 'free included services are quite expensive. "
Commented on 2014-10-02 16:34:59 EST
"They rejected my wife's yearly once medical check up claim they gave the most stupidest reason. Doctor ordered some kindparticular of a blood test and they are saying my wife is too young 26 to have that particular blood test. Now i have to pay ___ing 700. Now I am afraid to go for my physical this year. "
Commented on 2014-09-17 10:19:16 EST
"No pro-rating when ending the policy. No refunds."
Commented on 2014-09-04 16:30:33 EST
"Run...don't walk away from anything to do with Assurant Health. I wouldn't wish this company on my worst enemy. I could go on and on and on why you don't want to have anything to do with this company but please just take this advice...avoid Assurant Health at all costs"
Commented on 2014-08-21 00:36:55 EST
"To get access for a child to get glasses you have to reach your deductible first. Completely ridiculous and unacceptable for a health care insurance to consider this "coverage" for a child. Child's vision and health should be at their upmost importance. I hate to see the other medical visits insurance claims we will have to endure regarding what is covered and what is not. I feel that how their policy is written and why it is so vague in certain areas is for them to be able to get away with the ole "no this is what it means" instead of let's go with what it says exactly on the policy. Their policy is not black and white...that's a fact"
Commented on 2014-08-12 12:50:24 EST
"This is a company to hold your money and not give it out when needed. Stay away "
Commented on 2014-08-04 09:57:59 EST
"I have gone to 4 doctors now and every time no matter what the problem is they deny the claim. Then they wait months to even tell you they denied it so you can't don't even find out they are stealing your money without providing a service until you have invested thousands of dollars into your insurance. This company even denies my medication that I have had all on my previous insurance companies without reason. I went and saw a therapist and they are requiring me to provide doctor patient information before they are willing to cover anything which I am still working this out with my lawyer because he says this is illegal. "
Commented on 2014-08-02 13:23:58 EST
"I have a claim pending that has been sent and faxed by the doctor 3 times. To discuss your claim you talk to someone in India You can barely understand them. You send a claim to Iowa you fax a claim to a 608 area code which is Madison Wi. I fgeel they are perpetrating a fraud. I will be filing a complaint with the Wi insurance commisoner."
Commented on 2014-07-28 12:18:23 EST
"The short. Assurant is either extremely incompetent or deliberately withholds payments. Either way they are a company to abhor."
Commented on 2014-06-24 15:00:09 EST
"Liers. Increased my rates without warning. Tricked me into thinking my rate would be low and then added 100/monthly-a 33% increase.Then they don't pay what they promise to pay. They left me with a 1000 bill as part of my physical."
Commented on 2014-06-18 12:55:16 EST
"It is not just Assurant's terrible coverage that made my experience with them unpleasant. Even when I went to visit doctors or practitioners within their network the offices would frequently tell me that the information provided on my insurance "card" actually a printed piece of paper didn't go through or was insufficient. Then the office and the company would have to play phone tag until the issue was resolved leaving me in limbo. This happened countless times--at pharmacies doctor's offices specialists urgent care even though Assurant "assured" me that the information on the "card" should be sufficient."
Commented on 2014-06-16 22:44:26 EST
"This is a complete waste of money. They don't cover anything. The amount they pay verse the amount you pay is a joke. The money I wasted paying them could've gone to this 6000 medical bill I now have to pay out of pocket....they suck"
Commented on 2014-06-06 12:29:58 EST
"This company will put you through the ringer. I was lied to from the broker when I signed up. I had a huge deductable and the company never paid on 2 of my medical bills that was filed with them. Not to mention they said they never received paperwork from a doctors office until I pushed them to look at the day I gave them when it was sent."
Commented on 2014-03-20 11:31:17 EST
"Most doctors will not accept this insurance"
Commented on 2013-12-31 15:23:26 EST
"Pleasantly surprised"
Commented on 2013-12-10 13:38:56 EST
"SCAM Better off without insurance than with this company. Worst dental insurance EVER Today was the first time I went to the dentist with this insurance and even the dentist said this was the worst " coverage" he has come across. I paid 100 per month to assurant and they will only pay a max of 100 for any procedure WTH so why even have insurance? I may as well save the 100 I pay them each month and use it towards the dentist directly. WoW what a scam. Glad I found this out sooner than later. Only got ripped off for a couple months. NO more... Don't fall for the attractive low monthly premium. They don't pay anything for your treatment. Can't say it enough WORST EVER"
Commented on 2013-12-02 14:50:37 EST
"Worst provider ever."
Commented on 2013-12-02 08:45:12 EST
"On the surface the policy premiums seem comparable and little less expensive than others. However as others have documented once a claim is filed there are a host of things they will not pay. Birth control pills is one of them They paid a maximum of 75 for a physical leaving me with the balance of 100 to pay instead of paying ZERO like I did with my previous policy. I cancelled this policy to be effective 9/1/2013. They charged my credit card anyway. It has been 6 weeks and trying to get my money back has been a nightmare. DO NOT PURCHASE INSURANCE FROM THIS COMPANY"
Commented on 2013-10-24 09:22:53 EST
"Had a traumatic amputation of my left index finger requiring emergency surgery. Assurant paid less than half the cost leaving me with over 8000 to pay out of pocket. I would never recommend this company to anyone."
Commented on 2013-09-19 19:52:01 EST
"If you need medical attention it is a terrible Health Insurance Company. They will bait you with "lower" premiums than BCBS for example but they cover virtually nothing. You should expect to pay huge out-of-pocket expenses. What does this mean? They will take your monthly premium AND you will also pay for virtually everything else on your own. It is very close to having no insurance at all in return for your monthly premium. I feel completely vulnerable with this insurance and am switching next month. It is particularly terrible for families."
Commented on 2013-09-17 09:29:48 EST
"I had to go on short-term disability due to necessary back surgery. These guys have done nothing but screw me ever since. I'm supposed to receive 60% of my pay every two weeks which does not happen. I never know when the check will be here but I know it won't be on time. They don't seem to realize I still have bills to pay and have to pay them at specific dates. Also they seem to "discover" something every week that results in me getting paid less. They haven't covered half of the medical expenses they were supposed to and the rep I have been dealing with seems to not even know what their policies cover or how to do basic math. Worst company ever."
Commented on 2013-07-02 15:27:57 EST
"Had some tests done that the Drs. office contacted Assurant Health to get approval. The approval was given but after the test were done Assurant Health would not pay. Cost out of pocket was over 1700. Explained to agent before purchacing insurance about a scan that my wife needs twice a year and asked if it would be covered. Supposely he checked and assured me that it would be covered. However when we went to schedule the scan it was refused. Have had very few claims paid by Assurant Health. In my opinion put the money for the premiums in'll get more."
Commented on 2013-07-02 09:54:28 EST
"I've been waiting for 3 months for Assurant to approve what may be life saving medication. Maybe if I had a big life insurance policy with them they would be more likely to approve the medication? Don't even consider doing business with this company. They are thieves."
Commented on 2013-06-25 09:56:15 EST
"It took more than a month for them to tell us that our policy was still "pending" and that was only after we called to find out the problem. This company is worthless."
Commented on 2013-05-16 11:07:04 EST
"my wife found this company while doing research and we spoke to an agent. He told us this was the perfect plan for new familys. He told us we would have a 35.00 co-pay for dr. visits and that the most we would pay for the prescriptions my wife and i take regularly would be 15.00. sorry to say my first prescription was 131.50 and my 2nd was 262.30. I was blown away when they told me the price we called Assurant and they said oh no we don't pay any on prescriptions until you meet a 5000 deductable. We told them our agent told us different because we would have never done this. He says look around at walmart and places like that theres gotta be cheaper places. Ha 262.30 just like everywhere else a complete scam and our agent just plays dumb."
Commented on 2013-03-01 14:52:00 EST
"When I got the policy I was promised one thing and when I actually went to the Dr. for the first time it was a disaster They did not cover any of the things that were on my policy that should of been covered"
Commented on 2013-02-20 12:11:19 EST
"I was called by a representative for Assurants and United States Fire Company Health Insurance. while i was on the phone i pulled up reviews and read them to myself. When i finally got to talk to a rep from the companies I said " so i was reading reviews online about this company and people seem unhappy i just have a couple click" They are a unprofessional scam. If they cant stay on the phone that long DO NOT USE THEM. "
Commented on 2013-02-14 11:13:26 EST
"This company is the worst health insurance I have ever had. I took out the plan in 2010 then the fall of 2012 had heart failure so far my bills are 30000.00 and out of that they have only paid about 2000.00 and I am not done yet they devastated my life at 63.25 on a 1000.00 is not a good thing. They dont pay hardly anything."
Commented on 2013-01-25 11:58:19 EST
"Very unhappy after filing claim-first in three years. Rates up almost 50% by third year. Got a whopping 11.15 rebate due to affordable health care act. Questionable application of non network deductible to pad their pockets for additional 1000 in deductibles. What a ripoff"
Commented on 2013-01-07 20:50:57 EST
"this company pays the claims better than any other"
Commented on 2012-11-28 12:58:07 EST
"I would never recommend this insurance company to anyone. There are hidden and misleading terms within the policy. Further the insurance policy does not cover anything absent a major medical event. I am extremely disappointed and surprised this insurance company has gotten away with the hidden terms to date."
Commented on 2012-11-12 08:38:45 EST
"Do not get insurance from this company"
Commented on 2012-08-29 12:47:43 EST
"They approved a surgery and then canceled the policy Left me with 35k in bills. I hope all employees of Assurant go to hell. "
Commented on 2012-07-31 15:27:00 EST
"They say they are insurance they are just a discount plan. I have paid them 500 total they have paid only 150 worth of my medical bills and are now saying that I have used up all my coverage. I wonder what the 500 went for them."
Commented on 2012-07-12 20:45:28 EST
"Complete scam. Despicable. "
Commented on 2012-06-19 15:25:12 EST
"Monthly premiums and deductables are higher than national average. "
Commented on 2012-06-18 10:02:45 EST
"They sell you hard on the benefits and then when you sign up they are impossible to get in touch with. They misrepresented what they offered and as soon as claims started coming in they provided us with the paperwork that shows just how little they actually cover. "
Commented on 2012-04-30 09:40:24 EST
"Every year they raise the premium rates by an exorbitant amount. It seems like they do this in an attempt to get people to not renew their policies."
Commented on 2012-04-24 11:50:52 EST
"Nothing is covered."
Commented on 2012-04-17 11:54:31 EST
"I was told by my agent that I wouldnt have any trouble out of this company. Im scheduled for surgery tomorrow and the hospital just called to tell me that the insurance company will not cover the facility for my procedure. They will cover the doctorpossibly and arent sure about the anesthesiologist.......... WOW"
Commented on 2012-04-09 10:01:29 EST
"This insurance allows for my daughter to be on the plan herself without me having to be in it. Which would mean I have to pay extra. I was only looking to cover my daughter and came across Assurant health. We have not had any problems with the billing or the insurance coverage. Overall I am glad I got this plan and very satisfied."
Commented on 2012-04-03 15:03:14 EST
"Definitely stay away from anything with the name Assurant Health. This company should be shut down and not allowed to see insurance to the unsuspecting public. God forbid if you actually need to use their insurance. I was in an accident and Assurant Health caused me more pain than I sustained in the accident. Every penny was a fight. "
Commented on 2012-03-24 18:19:56 EST
"What the agents sell you and what the insurance company provides is very different. The plans do not help the insured they make the insured pay more than what your paying for coverage."
Commented on 2012-03-17 15:44:07 EST
"paid very little left me with a 20 thousand dollar bill only paid 20 agent did not understand the policy."
Commented on 2012-02-07 02:31:56 EST
"We chose Assurant over several other companies because they had been recommended by our State Farm Agent. After a year I was in need of a medical procedure. It was surgical but handled as outpatient. Assurant covers inpatient up to 250000. They only cover out patient to 10Kthats right 10K Yes it was in the fine print but never mentioned by our agent. We got stuck with 20000 in medical bills. Oh how I wish I had gone with another company. The worst part was they still werent the cheapest. Avoid at all costs"
Commented on 2012-01-28 10:36:08 EST
"Fell on tough times got behind in payments so I had to go through underwriting again. The company was willing to cover wife and me but dropped our young child for a so called "pre-existing condition.""
Commented on 2012-01-26 22:47:46 EST
"I have an individual plan. When I checked the premium on their web site for new customers for the same policy I have new customers get the policy for 242/mo. I am being charged 451/mo. I have had the policy for 15 yrs but cant change because of pre-existing conditions. They raised my rate by 58 last year. Colorado state division of insurance said the increase was legal so the govt doesnt really provide any protection against insurance company ripoffs."
Commented on 2012-01-16 10:57:51 EST
"This company uses insurance lingo that only people who work in their industry would fully understand what they are talking about. They are trying to skirt the new Healthcare Laws by grandfathering old policies into receiving nothing."
Commented on 2012-01-12 08:29:31 EST
"Assurant Health provides very limited insurance. They left me owing 4K after an outpatient procedure and capped my meds after a couple of refills. Not worth having."
Commented on 2012-01-09 16:41:51 EST
"My insurance agent led me to believe I was covered 80/20 for out patient surgery. When I called the company to ask they had said I was and the hospital had called me and said I had to pay a 200.00 deductable. When all was done and then the bills came in. My surgery was around 15000.00 between hospital and surgeon and others involvedand my insurance company only paid about 1200.00. Said they do not pay for out patient surgery. I tried for 4 months including my agent checking into why they didnt. He then called me and said I should of stayed in hospital to get coverage and not to pay the bills. It would not go on my credit."
Commented on 2011-12-13 09:23:30 EST
"Very affordable....great coverage for the cost"
Commented on 2011-12-07 10:19:59 EST
"Assurant as with 99 of all insurance companies are blood sucking scum. They suck up your premiums but when it comes time to pay a claim you bought the wrong policy. Insurance is just a statistics business. You pay to roll the dice if they lose they still win. Insurance companies own the dance floor they hire the band and they write the songs. You cant win. They all are corrupt scum bags. Assurant is on the top of my list. My law suit against them started today. Ill get back to you in a few years..."
Commented on 2011-11-18 17:28:15 EST
"Great Company Paid my claim didnt take much time at all to process. Overall so far very happy "
Commented on 2011-11-14 15:38:34 EST
"You have to call and argue with them to cover anything Such a nightmare. Lots of hidden policy information about coverage. Would have never joined if agent knew about coverage restrictions."
Commented on 2011-10-27 16:15:54 EST
"They raised the rates 300 a month after the first year. We NEVER filed a claim."
Commented on 2011-10-13 19:32:54 EST
"Had one claim with Assurent ER visit. They refused to pay for the visit. Should have costed me 75. Ended up costing me 550 Assurent is terrible plus they just raised my rate by 50"
Commented on 2011-10-08 18:57:47 EST
"Over 3 years my premium has jumped 115 in price....despite no serious illness or claims of Any kind.....moving on."
Commented on 2011-10-04 22:57:04 EST
"We went with Assurant because they were the only insurance plan that had a maternity coverage that would allow us to get pregnant after 3 months instead of the usual 12 month wait. They came recommended from one of the online insurance resellers. This is a private insurance plan for our family. We have a 5K individual deductible. The first year we paid 500 / month. After the Obama plan came out rates jumped to 830/month. Last week they alerted us our plan would go to 996/month because of the new baby. Not only that but its been almost a full-time job for my wife to chase after them for literally every claim submitted to them by our doctors. Almost every time excuse after excuse usually blaming things on bad coding weve been able to get them to resolve things after months of back and forth but its a battle. Luckily my wife is a trained journalist and knows how to fight things to the end to get the truth out. Be ready for incompetent people though. One lady told my wife once it would have been more advantageous financially to have a miscarriage. Crazy stuff. Its been exhausting enfuriating. After 2 years were calling it quits and were switching. Absolutely a horrible experience."
Commented on 2011-10-03 22:31:36 EST
"I have had Assurant Health Access plan for 18 months I have used the plan multiple times. So far I have seen my gyno had a mammo had a mole on my should checked out visited the ER with my daughter and had vaccinations. The plan has paid exactly as laid out. I have paid above and beyond my premium about 250 for all of the services I have received if I had a deductible I would have easily paid five times that for the same exact service I have also saved about 100/ month on my premiums compared to my previous health policy. I love Assurant and will never have a policy with a deductible again"
Commented on 2011-09-27 18:24:29 EST
"Ive had this policy with Assurant Health for over 3 years. I pay really high premiums and to date they have never never paid on one claim for me or my daughter. Ive very frustrated."
Commented on 2011-09-26 16:31:35 EST
"They covered my daughters immunizations perfectly. But everytime I went to the doctor they denied my claim and left it limbo for months."
Commented on 2011-09-20 20:21:48 EST
"Assurant will take up to 18 months and then deny your doctor/hospital the amount and the you will get a bill 18 months later. It just happened to me. THey will not respond to calls or letters. They are a super profit company with no service and they dont care. I am a normal business person and I am telling you the facts. They are bad."
Commented on 2011-09-07 11:53:31 EST
"I have a major medical policy. I had a pin prick of skin cancer 1.5 years before applying for a policy with Assurant. Recent follow-up exam showed no recurrence or new problem. Assurant denied coverage for any skin cancer. I already have a very high deductible so what am I paying for with no coverage"
Commented on 2011-09-05 14:01:28 EST
"Their customer care service is amazing... I have yet to be put on hold. "
Commented on 2011-09-02 01:28:00 EST
"It is a waste of money to have Dental coverage with this company as they cover practically nothing."
Commented on 2011-09-01 19:10:16 EST
"I agreed over the phone to let them run their inquiry to see IF I would qualify for health insurance and I agreed to pay them 25.00 for this. At the time I also told them they did NOT have permission to begin taking any premium money since I had not selected a plan. Well they took 300.00 WITHOUT my permission. "
Commented on 2011-08-30 21:45:10 EST
"paying way too much with such limited coverage!"
Commented on 2011-05-15 08:15:06 EST
" They dont pay for anything."
Commented on 2011-04-25 13:44:05 EST
"They suck you in with a low rate, and then increase the premiums dramatically."
Commented on 2011-04-05 20:03:03 EST
"Your website is not very helpful if you need to find a doctor in another state and my doctor stop accepting Assurant Health. Now i have to find another doctor that accepts assurat health"
Commented on 2011-03-31 11:51:26 EST
"If you are very healthy and never get sick or need to go to the hospital than this is the Insurance you need!!!!! Been with this Company for 8-10 years never had a claim, March 2011 needed to have surgery and they denied the claim. "
Commented on 2011-03-25 10:32:23 EST
"was filing insurance through USAA as there a subcontracted for dental. I never completed the health insurance questioner. A couple days later i get policy information in the mail saying there gonna bill me even though i did not take health coverage or dental assurance through them. Suprise! There insuraning you even though you didnt ask for it."
Commented on 2011-02-07 18:19:12 EST
"Very quick paying claims, fantastic customer service!"
Commented on 2011-02-04 06:00:03 EST
"do not have a very good ppo system"
Commented on 2011-01-25 15:35:11 EST
"Not bad insurance"
Commented on 2011-01-21 13:39:23 EST
"This is the worst health insurance I have ever seen. They are liars and cheats. I would not recommend to anyone!"
Commented on 2011-01-20 18:14:47 EST
"This is the WORST Insurance Co. I have ever dealt with. It is to our misfortune that we bought this insurance and was so misled, (due to cost). We purchased this policy in May 2010 and In Oct had to have Triple by-pass, it was not a decision that we could say yes or no to..It had to be done immediatley. Well, this insurance out of $130,000 in just hospital bills paid $14,000.00. I have never been so devastated in all of my life. And when you call the agents return phone calls. Just that I should of read the policy..Well I have had Insurance all of my life and never had to read a whole policy..I did read the front page and was satisfied with what it stated. To all of you folks out there BEWARE..They should not be allowed to even sell such..I have at this time Contacted the Ins. Commissioner for the State of Florida in hopes that I can at least help someone from falling into the same trap as I did."
Commented on 2011-01-14 12:54:44 EST
"Total waste of time and money"
Commented on 2011-01-12 16:15:25 EST
"I originally purchased insurance with Time insurance 22 years ago. The name has change to Fortis and now Assurant. Good news is I am a healthy person, and never made a claim to them? Now after the yearly premium increases of $50-75/ year, I received notice that my premium is now increasing almost $200 per month. I contacted customer service and had the lovely rep who could care less about talking with me or keeping me with their company. Told me I could increase my deductible and out of pocket to $7500/ year and remove the office visit co-pays from the policy and I could still be paying $150-200 more a month than other top rated companies are quoting me. Wow, been loyal for all these years, but they could care less about me canceling my policy with them....oh well, I guess they can figure out where they are going to get that $800+/month. Would not recommend this company to anyone based on their outrageous premium increases."
Commented on 2011-01-05 20:28:35 EST
"they pay hardly anything then i things they do you have to fight tooth and nail to get it paid "
Commented on 2010-12-17 10:10:20 EST
"They avoid specifics and most case managers are not equiped to make decision, especially if it envolves processing monetary requests."
Commented on 2010-12-16 14:52:36 EST
"Every claim submitted the company asked for 7 years of previous medical history for the first year of coverage. This was high deductible plan, so all submitted claims would have only gone to deductible."
Commented on 2010-12-08 19:33:17 EST
"There insurance policy is misleading to say the least. I though I only had a 2500 deductible it ended to be 5000 because I had a child. Even after I hit the 5k deductible they would pester over everything. I am a diabetic and I use 3 vial of humulog pre-month. They would only pay for one. The insurance company I am with now is a lot more fair. Not to say they ever were. They do not honor their claims. This is THE WORST insurance I have had. In hindsight, I would rather of had no coverage."
Commented on 2010-11-30 18:18:43 EST
"The worst health insurance I have ever had."
Commented on 2010-11-17 21:07:11 EST
"For the cost of the premium and compared to other insurance coverages, this company hardly covers anything. I received a bill for the majority of office visits that my family went to in the year that we were "covered" by Assurant Health, including a copay for well visits. This is the WORST coverage I have EVER had."
Commented on 2010-11-15 12:26:38 EST
"They keep increasing rates but cover less and less. "
Commented on 2010-10-20 14:33:09 EST
"Obnoxious rate increases on health care and then they offer you a discount of 10 percent IF you qualify. Premium still will raise about 1000 dollars. Bogus rate increase for a customer they never had to pay a claim on. Of course they blame Obama, not their obvious greed. Run, do not walk from this company promising discounts. They already jacked up the rates alot"
Commented on 2010-10-12 10:37:39 EST
Commented on 2010-10-04 17:33:12 EST
"Ha....just went and had an anual OBGYN the statement from Assurant....will not pay anything not in waiting time frame allowed. I dont know what the HE** they are talking about waiting time frame. I have none! I have huge rider deductibles, 13,000 for sinus, 8,000 for ashthma which is tottaly undercontrol and I hardly use an inhaler, and 7000 for kidney stones which I have not had in years!!! no prescription coverage that I did not know when I got sold the policy...and now a year later I have a waiting period!!!!!I just read my riders papers I dont see anything that says a waiting period specially for something that I had no trouble with!!!!! OH PEOPLE run from this company run fast!!! DONT SIGN UP WITH THEM ITS A SCAM!!!! They are gone as soon as I can!!!!!! Sham on them for even trying to scam the American public like this in hard times like these!!!!! RUN....RUN.....VERY FAST Im telling you!!!!"
Commented on 2010-09-16 18:26:23 EST
"As low as lawyers or whale poop, whichever is lower. 2 rate increases in 2 years. 40% last year , 44% this year . I had to change my deductible to 10,000.00 (yes that is ten thousand ) just to keep catastophic coverage."
Commented on 2010-08-31 10:05:09 EST
"1st year renewal time and my premium has increased by a whopping 32%! and I have had zero claims. I shall be looking elsewhere come September. "
Commented on 2010-08-18 13:45:28 EST
"Poor customer service and billing issues. Canceled almost immediately."
Commented on 2010-07-30 12:32:20 EST
"Completely incomprehensible legalese about why claim was denied. Impossible to talk to anyone over the phone. Hides contact information. Denies all claims as a matter of policy and forces users to fight for payment."
Commented on 2010-07-14 23:02:59 EST
"The premium increase at the first anniversary of the policy was over 40 percent! Zero out of pocket for Assurant, all premium invoices paid on time, and no claims ever reaching anywhere near the deductible for the period covered. Excellent health, great customer, low risk, and they raise my rate over 40 percent the first chance they get. Not a good way to retain high profit margin insureds."
Commented on 2010-07-13 15:21:48 EST
"Denied my claim from an xray on my neck because they said it was because the car wreck I had 4 years ago. I never and any pain for 3 1/2 years after my car wreck. The also denied a mid back mri and claimed it was due to a low back injury on the job. Now I have a letter from my surgeon disproving that so I will see how that goes!!!! Done choose assurant you will regret it!!!! They never return your calls either plus your on the phone for 30mins just to get a freaking human when you need help!!!!"
Commented on 2010-07-06 23:41:23 EST
"Ungrateful, very rude employees who hate working for Assurant, dodge this company like a hot potato, look at their track record."
Commented on 2010-06-29 05:44:06 EST
"I have a high dedutable policy (~$5000) and have never exceeded my deductable. The principal benefit was the discount they had negoitated with the doctors and hospital"
Commented on 2010-06-17 13:44:22 EST
"The Patient Care advocacy service is awesome! I call before everytime I go to the doctor or use the insurance and all and they are always so prompt, courteous, and helpful, helpful, helpful!"
Commented on 2010-06-14 18:29:34 EST
"They follow their guidelines. They offer a healthy discount appeal every year when it is time to renew your policy. However, most of the agents I talked with are not aware of the healthy discount appeal or the amount of time it takes to appeal the desciion. If you want to appeal your healthy discount, I suggest asking for a supervisor. "
Commented on 2010-06-12 18:46:54 EST
"Terrible customer service. For a simple blood test I have been given the run around by them. I can never get a manager or supervisor on the phone, they are always "in a meeting". I have left countless requests for a manager to call me and one never does. They do not help me with my billing problems, rather their policy seems to be to push me off to someone else. I signed up for this company through my employment and am canceling immediately. This company is awful and I do not recommend them to anyone."
Commented on 2010-06-04 12:41:45 EST
"They find every excuse they can to NOT pay for a claim and make your life a living hell during this time"
Commented on 2010-04-25 08:38:58 EST
"Worst ever health insurance. Did not pay for a single claim. Always some dishonest BS about pre-existing conditions. Horrible! Will be paying the hospital off for years after having to pay out of pocket for everything. "
Commented on 2010-04-19 15:54:58 EST
"WE went from 2 people to one person on the policy and they raised the premium over $200 per month."
Commented on 2010-03-28 07:40:00 EST
"Assurant Health has provided the worst service of any company (health or otherwise) with whom I have ever worked. They have stonewalled against paying a significant under the guise of "previous condition" despite multiple letters from my treating physician that the reason for the test was not related to a "previous condition". DO NOT purchase Assurant Health coverage!!!"
Commented on 2010-03-10 16:57:12 EST
"Well I have had three bouts of kidney stones always passed them on my own they put a 21,000 ryder on me for it even tho its been almost three years since I have had one. Asthma a 8000.00 rider even tho I only use one inhaler seldom, and sinus issues a 5000.00 rider, these riders are on top of the 5000.00 deductible I have to pay. They are dishonest, the salesmen NEVER said you will not have prescription drug coverage he just kept saying take advantage of the health care savings plan. I had no idea it ment I would not have any coverage why would someone that needed a inhaler at times opt for a plan with no prescription coverage. And now I had to go to the er for a few hours now they want all updated info on me and I think they are trying to say I had something preexisting. I am going to dump them here soon. HORRID HORRID and very dishonest! And I got a 2 year rate guarantee."
Commented on 2010-02-22 16:20:46 EST
"As with all health insurance they have high cost increases each year. "
Commented on 2010-02-15 07:43:08 EST
"I purchased Assurant Health a year ago that included doctor office visits. The company requires that you sign an automatic withdrawal from your checking account so they can take their monthly payments on their time. During this period my family moved from Virginia to Florida and were informed that the premiums would change within $100 either way. Last summer we made 3 doctor office visits. Assurant refused to pay the bills and I was forced to dispute the charges with them. It took the company 5 months to finally determine that they would pay for most of it. Now we received a new insurance premium this month with less than 3 weeks to find a new insurance company because they have just raised our premiums from $570.49 monthly to $1,493.02 presumably because we now live in Florida even though my husband and I are both in perfect health and between the ages of 43 - 52. This insurance triple!"
Commented on 2010-02-08 19:00:54 EST
"too expensive~ do not award good health in ND as in other states~ do not honour the "advertised no increase" in North Dakota. People in claims are not competent~ do not read and understand the claims."
Commented on 2010-02-03 13:05:23 EST
"The premiums have skyrocketed over the past 3 years."
Commented on 2009-12-27 14:38:54 EST
"This company seems to put a great deal of energy into finding reasons to deny claims. Providers have found them difficult to deal with in submitting and processing claims. Also, when I submitted my second claim, their "New Policy Benefit Review" office requested that I fill out a form giving them a list of every single health care provider I had seen in the previous 5 years, supposedly in order to be able to evaluate whether my claim fell under an exclusion for pre-existing condition, even though this duplicates information provided with my original application. They seem to be trying to delay or avoid paying claims by overwhelming providers and insureds with requests for paperwork."
Commented on 2009-12-01 03:58:58 EST
"Our premiums are high and our coverage is low"
Commented on 2009-11-30 12:42:18 EST
"I reviewed my policy -had ten days to accept it or decline- I declined after the 5 day mark and called them and was assured I had cancelled well within my time frame and was also assured the draft for the premium would not be withdrawn from my account. It was set to come out of my account on the 2oth. Well the 20th came and went, no draft. Then suddenly on the 25th it comes out of my account! Causing my account to be in the negative on Thanksgiving Eve, thus rendering it impossibke for me to travel to my families home, no gas, no funds. My efforts to get Assurant to immediately correct the mistake was met with "We cannot correct it for at least 10 days". They admitted the mistake, I insisted they play back the recorded conversation in which the rep assured me there would be no draft even. But they still will not correct their error immediately. Thus my Thanksgiving is ruined, I have filed a dispute through my bank. I would not recommend this company to my worst enemy."
Commented on 2009-11-25 09:29:05 EST
"buyer beware"
Commented on 2009-11-21 17:51:35 EST
"When I filled in my application online, the option for one month (which I wanted) was hidden in such a way that I inadvertently chose the renewal option. When I called on the day the next large charge showed up on my creditcard, they denied a refund. "
Commented on 2009-11-16 12:41:11 EST
"They will try to claim anything you go to a doctor for to seek medical help that there was a pre-existing condition and will not cover you."
Commented on 2009-11-12 21:44:59 EST
"Amazing customer service. Fast response. The best I insurance service and coverage I have ever had!"
Commented on 2009-11-06 20:27:35 EST
"Company quoted me one price and then billed my credit card for $60.00 more. Wasted way too much time trying to get this resolved, afraid of what a claim might be like. "
Commented on 2009-10-27 12:17:00 EST
"My 19 years old daugther ha a flue she spent the whole morning calling to all the telephone numbers that they provided for assistance and no one helped.They even have a mismacth with my name and my policy number,so we wasted a precious time trying to deal with it.This company is a scam."
Commented on 2009-10-27 10:45:22 EST
"After scheduling a knee replacement surgery with a physician and hospital in my network, I contacted Assurant for prior written approval for the procedure. After numerous phone calls and pushed from one dept to another I finally got a letter back from them explaining that I should have the procedure, submit the bills and then they would decide if they will pay or not. Having read all the reports on-line about shady practices by Assurant to get out of paying, I cancelled the surgery. I am currently discussing the issue with my attorney. Assurant refuses to provide prior authorization even when you have done all your home work. I am planning on changing companies but will probably get hit with a pre-existing condition with a new policy. We need reform !!!!"
Commented on 2009-10-15 14:44:35 EST
"Assurant handled my breast cancer claims swiftly and with no problems. They did exactly what I expected from them. I am very satisfied."
Commented on 2009-09-23 13:52:49 EST
"DO YOUR RESEARCH, Stay away from Assurant... "
Commented on 2009-09-14 11:46:11 EST
"I have had this company since 1993 i have had cancer 3 times and over a million dollars in claims paid... not once have i been denied anything. The best company ever!"
Commented on 2009-08-20 17:37:56 EST
"The absolutely worst and most crooked company I have ever had the unfortunate pleasure of doing business with."
Commented on 2009-08-16 15:27:53 EST
"They were fine as long as my family had no claims. When we had a health issue though, they raised my premiums immediately to a price out of the stratosphere and added another $1,000 to our deductible. They became argumentative and impossible to work with. After 5 years, we now have to find different insurance. "
Commented on 2009-07-30 11:06:42 EST
"I was charged the full amount for my insurance, and never recieved any information regarding my policy. When I called, I was transferred twice, each time to the wrong department, and having to wait a minimum of 5 minutes each time. Do the math- in the end, took no less than 45 mins to resolve. Not very nice for a mistake on their befalf. NEVER buy insurance with this company, especially considering the other very negative reviews."
Commented on 2009-07-15 13:59:17 EST
"I went the Clinic and Assurant denied any assistance of my bills, Scam Scam Scam. The only reason I chose them was the price seemed right while I was in college."
Commented on 2009-07-14 09:04:15 EST
"I was denied coverage from them. The reason they denied me was because they apparently thought it was suspicious that I had a prostate check when I was only 26. The reason I had it checked was simply precautionary. There were no problems. I just wanted to get a physical, blood work, and my prostate checked. After I was denied by Assurant, I now cannot get health care from anyone. Thanks, Assurant, for ruining my life."
Commented on 2009-06-29 08:30:40 EST
"We paid $469/month for the coverage. We paid extra for maternity coverage, since we were trying to have a baby. After, receiving the actual policy in the mail 2 weeks later, I discovered that the maternity deductle was $10,000. Meaning they pay nothing, we pay for everything. When they sold they insurance to us, they said that my husbands antiseizure medication & annaul doctor vistit to the neurologist would be covered since we paid extra for doctor copay & prescription copay. LIE!!! They forgot to tell us that they would not cover him, until we paid for the insurance for 1 full year. I feel like this company uses sneaky sales people to trick people into buying something that they really are not buying. They just want to make money. We canceled after 6 weeks. "
Commented on 2009-06-20 11:16:57 EST
"After 2 ct scans and 1 MRI I think Assurant paid a total of 2% and I think that just covered the clinic fees. There are better companies find them you will be doing yourself a favor."
Commented on 2009-06-04 12:55:57 EST
"I would have been better off putting the money for the insurance premiums in the bank and paying for my own medical costs. They have paid for virtually nothing on preventative care and emergency room visits, yet every year they raise my premium rate and my deductible. I think this company is criminal."
Commented on 2009-05-18 14:50:06 EST
"Great Company. Very Helpful and great prices. "
Commented on 2009-05-12 21:41:58 EST
"very unsatisfied. They said I could go one place and then they don't cover me there. We are stuck now because we already have paid our deductible for this year, and plenty more."
Commented on 2009-04-27 11:24:23 EST
"Very unhelpful customer service. Each claim I had no matter how straight forward, I had to fight to get them to pay, taking hours and many phone calls each time."
Commented on 2009-04-22 21:24:18 EST
"stay away from these thieves.. well, all health insurance co. are, but these guys have no shame.."
Commented on 2009-04-15 17:18:26 EST
"They never even sent me a health insurance card. It was as if they just took money out of my account, but nothing was provided in exchange. And after reading terrifying testimonies in TIME magazine and here, I'm steering clear of this company."
Commented on 2009-04-13 17:15:37 EST
"I acquired typhoid, and it took almost a year to review the claims. It took a full year because they disputed the charges for medical records by medical providers. During this time, the medical providers then sent my claims to collecting agencies. The representative were unhelpful, and said if I wanted to help, I can get the records for them. Insurance companies should work for the people that pay the premiums (as they increase). At the end of it, they denied my claims and called it pre-existing condition. The next day, they immediately sent the conclusion of this review to all providers relinquishing any responsibility. They are terrible, and I would advise not to go with them. You would be better off dead than to expect coverage."
Commented on 2009-04-12 13:41:25 EST
"After reading so many horror stories about Assurant, my worst fears are confirmed. I haven't made any claims, but still my premiums keep going up. I wish I had just established a medical savings account instead of throwing more and more money at this apparantly bogus company! I am going to apply pronto for different insurance with another company, one who has good reviews."
Commented on 2009-04-06 10:39:15 EST
"All of my claims have been paid quickly and correctly. They lowered my monthly premiums after 2 years of coverage, because I re-qualified for lower rates (was still in very-good health). Customer service reps are friendly & very helpful when you call in. I haven't had any large claims, but my small claims are paid without any hassles at all (like I had with my old company). Overall, I'm very satisfied."
Commented on 2009-04-03 20:07:54 EST
"Terrible policy! $5000 deductable and Assurant only pays 50% after deductable is met. Premiums just went up again another $50 per month. I have thrown away tens of thousands of dollars. I could ring my agents neck, but now he's retired. I HOPE HE IS INSURED WITH ASSURANT HEALTH IN HIS OLD AGE!"
Commented on 2009-04-02 09:47:55 EST
"I got cancer on this plan. Yeah...its great they locked my rate in for 2 years, but I wish they would have told me what would happen after 2 years. The premium doubled and now no one else will insure me."
Commented on 2009-04-01 19:43:00 EST
"Company would not even respond to a dental claim. No response at all even after 3 months after sending in the claim."
Commented on 2009-03-29 12:57:48 EST
"After grauating from undergraduate school, I bought a six-month policy with Assurant. I was 22 years-old with no history of medical issues. Within those 6 months I went to the ER for unusually intense pain. After many tests, they discovered a kidney stone. My bill was $6,000. Assurant argued that my condition was pre-existing. I had to get ANOTHER credit card to pay for my hospital bill, while paying student loan bills and trying hard to find a job in Michigan."
Commented on 2009-03-28 07:53:21 EST
"We carry a $5000 deductible to keep premiums low while protecting against the catastrophic. This past year we had accidents that took us over that $5000 deductible. So far claims are being handled without our intervention. In the real world the only way to keep costs down is to be involved in the care. We have a vested interest when we know we will participate in the payment. All health care providers will work out payment plans. We are thankful that this system is still available in our country. If we complain without handling responsibility we may regret what we get. Be sure to check other sources of information. Be proactive, not reactive. If we could have perfection on Earth what would ever draw us on to Eternity?"
Commented on 2009-03-27 12:01:10 EST
"Assurant Health is a company of liars and thieves and cheats. They will NEVER pay for ANYTHING but they will gladly take your money. I would not want my DOG to have health insurance from these monsters. They are the devil."
Commented on 2009-03-24 12:34:59 EST
"They pay for absolutely nothing. I went to the lab specified by them for routine lab tests for annual exam - they paid $3.00 of the $249 bill. They have paid $0 on other claims, i.e, mammogram."
Commented on 2009-03-15 19:06:25 EST
"With Assurant you pay pay pay but never receive anything from them but bills bills bills. You'd be better off putting the monthly premium amount into an ordinary savings account; at least then you'll have the money available when you need to go see a doctor."
Commented on 2009-03-10 10:14:14 EST
"2009 (starting a new year on my deductible) -- Example: My doctor charged $36 for a certain lab test. Assurant sent, in reply, that they have determined this lab test should only cost $7, but out of the kindness of their hearts, they would allow $12 toward the deductible for this lab test. 2008 (my deductible was met) -- Our hospital's imaging dept. did an MRI on my knee, finding a mass in the joint which was affecting my walking. Assurant said they charged several hundred dollars more than it should have for the MRI. The imaging department gave us a 20% discount, but Assurant is only reimbursing their determined cost, so we still owe several hundred $$ for the test even though I had met my $5,000 deductible. 2009 -- I just had the knee surgery and now I am waiting to hear just how many hundreds (thousands?) of $$ they won't count toward my deductible."
Commented on 2009-02-27 13:14:53 EST
"Assurant Health is a total scam. I lost my job last October and decided to get temporary individual health insurance. My local agent (soon to be my ex-agent) recommended Assurant Health.Then one day the following January I got extremely thirsty and my vision became blurry. I went to the local hospital and was diagnosed with type II diabetes. I spent 4 days in ICU. The next week I encountered problems with their customer service. Their website quit working. And when calling their 800 number; which is the most horrendous automated voice response system ever put into use; their people; who are even worse than the automated voice system; stated that they never had a website ! On this one issue I had to deal with their crappy voice system and incompetent, lying people for a couple of days. In the end it turns out that they had recently made changes to their network infrastructure. So why couldn't their people just admit that ? Now a little over a month later they are questioning paying my hospital bills because "THEY"; not any doctor; say diabetes takes years to develop. And therefore I was a diabetic before being diagnosed, therefore I was diabetic before starting the policy, therefore it was a pre-existing condition, and therefore they will not pay. I've since found out that Assurant Health is being investigated by 15 states for fraud, has a pattern for challenging every expensive claim as "pre-existing condition", and has many lawsuits against them for "bad faith" and denying claims. Stay away from Assurant health !"
Commented on 2009-02-15 10:54:55 EST
"Except for the gross increases in premiums each year (like all insurance), the company is fine until you file a claim. Either the most incompetent company or purposely looking for ways not to pay."
Commented on 2009-02-14 14:56:07 EST
"My daughter was in the NICU unit for three weeks and the doctor the hospital choose was not in network. So Assurant is supposed to pay 70% of the cost and they only paid 52%. I have been appealing and now they are saying the will not pay because it exceeds the prevailing rate in this area. THEY SUCK! And now as of January 2009 my daughter's Pediatric Hematologist no longer accepts Assurant Health because they are terrible!"
Commented on 2009-02-11 16:15:52 EST
"Assurant purchased my policy and all of a sudden the nearest "network" doctor or hospital is about five and a half hours away. So I should forget any local doctor visit and ensure any trauma is organized near their network. Called my agent to cancel the policy,a month ago, after a most illuminating call out of the blue from them. The caller seemed to have been recruited out of the lowest grade of used car salesmen. It was rather illuminating to know that my entire medical history had somehow changed in their hands as well. Assurant REFUSES to cancel my policy! Either I hand them eight thousand dollars a year (I am perfectly healthy) or they ruin my credit reporting nonpayment. Isn't that called extortion? "
Commented on 2009-02-10 06:00:47 EST
"Having their policy is basically like having no health coverage at all because you pay 90% of your health care costs"
Commented on 2009-01-29 15:16:34 EST
"Too much paperwork. Price increases bug me. Agents mot too much help."
Commented on 2009-01-28 20:55:10 EST
"Set this policy up to bridge the gap between job coverage - gave specific dates for coverage time. The date has long passed, and they keep charging my bank... customer service is a room full of idiots."
Commented on 2009-01-23 19:08:05 EST
"I've been with Assurant and their former names since 1993. I pay annually. In 1993 my premiuim was $1,150 with a $2,500 deductible. It has averaged some 20% per year increases. Current renewal quote is $9,300 with a $5,000 deductible. I have paid $50,400 in premiums to them. At this rate, I expect a $20,000 annual quote in another 5 years when I become Medicare eligible. I'm healthy and have had only one claim in 15 years for a broken bone. They paid less than $3,000 after my deductible. Their claims handling was efficient. No problems."
Commented on 2008-12-17 11:19:41 EST
"DO NOT USE THIS INSURANCE COMPANY! They deny everything and claim everything is a pre-existing condition. You have to fight them for months just to pay a simple blood test claim. NOT WORTH IT!"
Commented on 2008-11-21 11:06:25 EST
"The coverage that is provided isn't that great. I am thinking that I am paying out more than I am getting back in return. The dental is horrible."
Commented on 2008-11-19 11:17:01 EST
"I worked for Assurant Health & they are the worst company I have ever worked for. I feel sorry for anyone who has a policy with them because they are being ripped off royally. Just like many of the posts, they never pay claims, always say conditions are pre-existing, their agents don't know what they are selling, people are being ripped off. Tell everyone Assurant sucks!"
Commented on 2008-11-14 11:17:39 EST
"They kept charging premiums to my credit card for 6 months after policy was canceled and the insured was living outside the US. They then had the audacity to send me coupons for more payments, when I stopped credit card payments after 5 months after the policy lapsed.Never had a claim they are just greedy!"
Commented on 2008-11-13 15:04:21 EST
"They claim even after 3 years that my claim is from a preexisting condition. I had to collect 3 years of documentation from my physician to prove my condition was not pre-existing. The low initation fee is a trap. premium will double in 12 months."
Commented on 2008-11-12 12:59:26 EST
"I am *disgusted* by the way I have been treated by Assurant Health. During the electronic application process, I left out 1 digit on my bank account number. I immediately called Assurant to inform them of my mistake, but after 30 minutes of fighting with an obnoxious computer voice recognition system, I was told to call back in 24 hours. I sent an email, and no help was given. I called back 24 hours later, as instructed, fought with the godless automated computer voice for another 30 minutes, and I finally spoke with someone who assured me (no pun intended) that everything had gone through, and I would be contacted personally if anything came up....5 days later, I get a piece of snail mail informing me that my policy was "cancelled in full" some two days ago. Now I would rather deal with the T-600 (or whatever robot Schwarzenegger played) then that bastard unholy voice system, but tomorrow I'll lose another half hour of my day trying to sort this mess out. By the way, even though I'm sure none of you are as dumb as me (to mess up an account number on an electronic form), just imagine how they would treat you in a serious claim situation. "
Commented on 2008-10-23 21:38:13 EST
"Assurant is a very very slow payer. They refuse to call the health providers that they owe, even after I gave them a specific contact name and phone number. I pay nearly $700/mo for my wife and Iin addition to my employers contribution of $200/mo, with no dental or vision coverage. My out of pocket medical expense was about $12,500 for calander year 2007 and 2008 is looking to be nearly as bad. Assurant sucks! "
Commented on 2008-10-23 15:47:10 EST
"Even with full health coverage an Emergency Room visit for poison ivy over the summer has now cost me over $700.00 Assurant health covered $17.44. I am a student and this was recommended as the best kind of student coverage. HOW???"
Commented on 2008-10-20 10:12:24 EST
"Terrible terrible terrible!! They don't cover ANYTHING! I have been paying out of pocket for everything, and STILL paying them monthly! They are the biggest ripoff in health insurance! "
Commented on 2008-10-11 13:07:08 EST
"Great Customer Service, quick to pay claims, best I have experienced. I got what I paid for."
Commented on 2008-10-06 13:43:54 EST
"Customer Service provides little to no service. When asked to explain coverage on claims, they can't. Finding doctors that actually take Assurant Health is becoming increasingly difficult. When you call trying to find a doctor, Assurant's records are always incorrect. Please don't use this insurance. It's extremely unreliable."
Commented on 2008-10-03 09:58:33 EST
"This Co. had great rates for the first 2 years.After that the almost doubled the mo. prem. for $224 a month to $408.My wife had very good health for her age,she was on 2 medications,(1 a generic brand anti dep. and an inhaler for asthema,which she only used 2 times a day.We had to go from a $500 ded. to a $2500 ded. which never covered hardly anything.I would not recommend this Co. for anyone,unless you want to throw your money away."
Commented on 2008-09-28 21:04:37 EST
"Would not cover any of an emergency room visit for poison ivy. "
Commented on 2008-09-17 16:50:02 EST
"They are GREAT at taking your premiums, co-pays, and deductible. It would be easier to raise someone from the dead than to get this company to pay a legitimate, valid claim! Their agents are even more frustrating than the company. Scheister is the only adjective that comes to mind. The day I switched from Blue Cross to this piece of junk company was the biggest mistake I have EVER made in my life. I regret it each and EVERY day."
Commented on 2008-09-11 16:23:52 EST
"They delayed 2 1/2 months on approval for dental work. Then they disallowed all but $50 on an $800 bill. If I had known they were not going to pay, I could have pushed the work back a week and had it done under my FSA. Now I am out of pocket that amount in one month. I did call them and ask as well, and they failed to get back to me. Their service is terrible. This is insurance that they sold to my employer, so at least I am not out the premium."
Commented on 2008-09-03 15:24:23 EST
"Assurant has always paid every claim and we've had some big ones. Other companies denied me coverage and Assurant accepted me and has taken great care of us. I thank my agent everytime I talk to him."
Commented on 2008-08-27 22:36:34 EST
"I got a one year temporary policy with Assurant for my student daughter. They refused to pay on claims. When we contacted the Montana insurance commissioner, we were told we should get out of the contract, and that Assurant would not pay, no matter what. Apparently they have problems with them all the time. The way their policy is written, they somehow sidestep some Montana regulations and there is a limit to how much pressure the state can put on them."
Commented on 2008-08-11 14:56:22 EST
"The insurance company wouldn't accept my wife, due to the fact that she had stomach issues (due to stress) when she was in high school-- and hasn't had any problems with it for 5 years. It was simply a bacteria, not even a disease. They are hard to get a hold of and their information collecting company is incompetent. "
Commented on 2008-08-11 11:36:48 EST
"They paid all of the claims I has in a timely matter. After the 2 yr. rate guarantee, I called my agent and re-wrote a new plan and got another 2 yr. rate gurantee instead of keeping the old plan at a higher rate."
Commented on 2008-07-25 01:31:29 EST
"I had health insurance with Assurant for 4 years. I have no health problems and never made a claim. Over the 4 years, my premiums increased an average of 39% per year. I would never recommend this company because I hear they do everything in their power to never pay claims--suddenly losing claims or finding ways to get out of paying claims according to my friends--stay clear of this company...."
Commented on 2008-07-05 07:28:50 EST
"Don't waste your money with this company. Claims have been handled slowly, and not paid due to a change of policy number when it is "renewed" each November 1. They have falsely used physican information that claims are pre-existing conditions. In several decades, we have never used an insurance company as untrustworthy when it comes to dealing fairly and ethically."
Commented on 2008-06-30 14:50:18 EST
"All my claims have been handled quickly and effiently and whenever I call to check on something I get a human usually is less than one minute who is very helpful and seems to know what's going on. Yeah, the customer service people usually have an accent but it's not foriegn, just northern thing."
Commented on 2008-06-20 12:24:26 EST
"I have to say out of the companies to choose from I would definately choose Assurant. They are one of the most affordable companies out there, not sacrificing coverage.You have to make sure you get the right policy..Choose SuiteSolutions to add to coverage!!! Helps with the deductible! Makes it $100. I had to have stitches, cost was $1,500, I paid $100! Great policy, Great company! Hands Down...."
Commented on 2008-06-18 14:53:46 EST
"They do not disclose how the claim was processed and after repeated calls they pay some percent. Different errors in billing like "out of network" for in-network taxid and "existing conditions not covered" reasons for new conditions."
Commented on 2008-06-11 10:52:39 EST
"I have been fighting with assurant for a year to pay for a cancer biopsy. I called before I had it performed and they said it was covered under my plan. Now they're trying to say it's a pre-existing condition, though it's not. It's impossible to work with them. I've spent literally 20 hours on the phone trying to get a single claim paid. Every time there's more documents, more releases, more resubmissions -- it's like they're trying to wait it out. Based on other news reports I've read, it's an endemic problem. It's the worst customer service I've ever encountered in my life. I've dealt with numerous insurance companies, and I've never had this sort of problem with any other. I think Assurant is a very expensive scam. They're a horrible, awful company and I can't stress enough to stay away from them. If anyone from Assurant is reading this, I would really like to know how you sleep at night. "
Commented on 2008-05-19 18:13:28 EST
"These people would not accept certain blood tests, and I would be charged the full rate. Not the contract rate. I appealed and never heard from them again. I live in the Cleveland area and found out Assurant Health did not contract with the Cleveland Clinic."
Commented on 2008-05-17 20:56:53 EST
"I changed plans in this company on 9/15/07 with a letter stating that my rated would not go up for 12 monthes. I have received a letter that on 6/15/08 my rates and deductible are both going up. Assurant refuses to honor the letter stating no increases for 12 months. I am furious!"
Commented on 2008-05-05 09:37:51 EST
"In 1992 the cost of the policy was $235 with a 500 deductible. Today it's $975 with a $1000 deductible. Last year it went up almost $100. after raising the deductible from $500 to $1000. This year I was hit with $150. increase. makes it a little harder on the retired. Oh this also is with an exception from any bone spurs of the back. I'm 54."
Commented on 2008-04-15 16:28:30 EST
"rip off"
Commented on 2008-03-25 21:25:52 EST
"I and my wife have a $7500 ded. with preimun of $2500 per quater. I was informend if an emerency out of network would be covered without additonal co-pay or ded. I had to be treated for blood clots in my lungs out of net work and they come back with this is what we allow reas/cust. the policy says nothing about reas/cust but gives 6 ways they determine what is paid. They tell me it is to completacted to explain how payment was arrived at and which method they used out additonal $3000 out of pocket above $7500 ded and almost $10000 in preimun. And no one talks to you and gives an answer put it in writing and they will review"
Commented on 2008-03-12 09:56:59 EST
"Assurant denied all my claims based on a pre-existing condition. I am currntly in the grievance process and am seeking help from insurance commissioner. "
Commented on 2008-03-09 22:49:07 EST
"First of all the doctor's office reaction when we say "Assurant" is "What? They have lousy coverage. I have contacted the insurance commissioner for the state of CT."
Commented on 2008-02-06 14:43:37 EST
"File a claim and insurance is denied....if you sign up for a 3 month "temporary" insurance, read the very small print....They continue to bill you after the 3 months and when you fax them (as required) to cancel your membership, they claim they never received fax and continue to bill you. They are criminals. "
Commented on 2008-01-07 17:00:47 EST
"For blood pressure meds, I can only purchase a 30 day supply, which costs over $10 and goes toward my deductible (HSA plan with high deductible);at the sam time I can purchase a 90 day supply for the same price, but it doesn't go toward deductible. Had a pre-existing injury, no problem in accepting their rider clause. Injured the same foot, but different area, they applied the ER claim towards deductible, now 3 yrs later, had surgery (called & verified before), no problem. Surprise!!!!! They refused to pay for the surgeon (over $9000), but they paid the anesthesiologist & another one who DIDN'T (told Assurant & they said until they hear from them, they can't do anything about it) because of the pre-existing condition. Filed an appeal with the claim for the other injury attached-no way, now I'm at the grievance level. I'm also submitting the grievance level of appeal to my state department of insurance. Oh by the way, check the fine print for renewal period, just found out that mine is adjusted from every 9-18 months. This is the first claim I have submitted. Also verify your EOB's for being applied to your deductilbe-oops, the missed about 6 for this year. "
Commented on 2007-12-10 15:40:14 EST
"they denied my claims because THEY beielved that my condition was preexisting. Assurant Health is the biggets fraud in the business today."
Commented on 2007-11-07 21:29:54 EST
"Assurant (now Time) is pretty painless as insurance companies go. Customer service is no worse than any other insurance company (and I've tried many over the years) I am looking around but that is due to rate increases, not service/performance."
Commented on 2007-11-05 20:39:57 EST
"This is the only honest company left that cares about the buyer. they don't outsource their claims like some other companies...come on India? unreal! Admitted Reasonable and Cutomary used to be a problem but they have fixed that and truly showed they cared about my opinion and business. they even reduced my renewal rate at my request!"
Commented on 2007-08-30 15:16:59 EST
"No problems. Customer service was right on target and claims paying was effecient as a presentation of the benefit card. I look forward to the healthy discount upon renewal instead of the 25% increase I suffered with my prior carrier that made me so Blue and Cross!"
Commented on 2007-08-22 21:40:26 EST
"Assurant Health is the most incompetent company I have ever dealt with in my life. They have customer service skills that are non existant. They have stolen from me and lied to me and placed work over the 4 months. I will never recomend them to anyone. Even if they were the only company to offer a water cooler in a desert that you would die if you couldn't drink from their cooler. I will make the promise that my lifetime goal will be to inform everybody that I can of their lack of any ability to do anything correctly. I hope and pray that no other living person ever has to rely on Assurant Health for anything, including whoever my worst enemy is. This has grossly been the worst experiance in my 36 year life. God Bless everyone and please for your integrety and sanity use anyone except Assurant Health for anything."
Commented on 2007-08-16 01:13:17 EST
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