American Republic Insurance Co.

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Sherree of ocoee, FL September 15, 2009

We switched to American Republic insurance in Dec. 2008. The agent told us numerous times that the policy would mirror what we had had with Blue Cross. We would pay a higher deductible (5800) and then everything after that would be covered. My husband is a physician and he and I both (as well as his office manager) met with the agent at least 5 times before signing. Our cheeks were swabbed so we could get the best rate. HA, what a joke! And to the person on this site who suggested that people are dishonest and not disclosing all info when they apply for insurance...you are WRONG! This company and their agents are horrible.

I was diagnosed with breast cancer in March and it has been a nightmare ever since. The insurance company refuses to pay for practically anything, saying "a rider was not purchased for this service." After telling the agent about my family history, he told us NO PROBLEM. Well, it has been a problem! While they will pay for my chemo drugs (not without a fight) they wont cover the pre meds for nausea or the drugs to treat a possible allergic reaction. They wont cover my weekly blood draws or even the scans I had to have in order to stage my cancer. The drug I needed to keep my white blood cell count up so I dont end up in the hospital is 1000.00 an injection. I have had about 20, NOT COVERED! Every day we receive EOB's stating "not covered."

They even fought over the anesthesia I received during my surgeries. I suppose I should have brought a bullet????? We are now working with an attorney in order to get them to pay these bills which total more than 50,000 so far and Im not even close to finished with my treatment. We have also contacted the Insurance Commisioner. Our attorney told us to find another insurer because she cant be sure we are covered for anything at this point! It has been horrible, plus we continue to pay our HIGH monthly premium for NOTHING! We did EVERYTHING right from the beginning and were obviously lied to. We are also going after the agent that sold us this policy because it is not worth the paper it is printed on. BEWARE!

J of Avon, IL April 10, 2009

J of Avon IL (04/10/09)
My son's premiums are around 800 per quarter, JUST FOR HIM!!!! We have had this insurance for years. They change their PPO every time they get a chance and never notify their policy holders of the changes. Consequently numerous policy holders are paying out of network deductibles, because they have no idea the company has changed their PPOs. I find them extremely difficult to work, with and have taken as long as 12 months to pay claims!

Their workers are rude and unknowledgeable. The last one I spoke with LEE couldn't even find providers for us when she looked! They do not cover the children's hospital, so I guess insured children, should be treated as adults in American Republic's opinion. This is impossible! So, we as the consumer get to pay the difference, if we have children who are hospitalized at the Children's Hospital! My son's rates have quadrupled in the past two years. There was nothing hidden on the application, we were honest about everything. I am dropping them and recommend that every other consumer drop them too, so they go out of business and stop ripping off the consumers! They are rated a C or maybe even a D by now. We were told by our agent that they are on the verge of bankruptcy.

People complain about a 30 increase?!?!? Try quadrupling your current premium and paying 800 per person!!! Insurance companies like American Republic are part of the healthcare problem. I would like to know why some people are only paying a quarter of the premiums for their FAMILY, that we are paying for our son.

Consequently, we are having to pay the difference for American Republic not using a children's hospital for children. This costs us an additional amount of money on all claims, deductibles, etc. American Republic does not notify it's consumers of these changes. My son had a serious cellulitis/bone infection and needed to be treated at a Children's Hospital, where his pediatrician could care for him. We have always used this hospital and it has always been covered before now.

Mary of Portland, TN March 30, 2009

Mary of Portland TN (03/30/09)
I have a rental agreement with rac and have been renting @ this store since Nov.2005. I was offered this insurance when I paid off one thing and rented another. I turned it down. In Dec. 29th of 2008 my husband had a heart attach and we did not have the insurance and they deffered my payment for one week. When I went into the store the following week I spoke with Kimberly and asked her if this would have been covered by the insurance? she replied everything is covered. so the folling wk Jan.10, 2009 I started the insurance and my rental went up to 106.00 a wk.I have paid this amount until my husband was laid off on feb. 12, 2009 at which time I got out my book and gathered all the information that was needed and did what I was told .

I took it to the store and gave it to rusty ( who has done everything possible to help me with this problem). on wen. march 25th I rec'd a call from rusty on my answering machine to please call him. well when I got back in from work on thur. I called and rusty was off that day and I spoke with Kim and she said we have been turned down buy the insurance company for our claim which has now been (feb.14,2009 file date)42 days.

because of the insurance co not covering this as dicribed in the booklet it would be we will loose our bed, our laptop, and our tv. I think it is wrong that a company offers to cover something and then turns it down because you have not been a customer long enough which the waiting period was30 days which was over by 3 days. then they have the guts to send me a new policy with a new number as if I would keep paying for something that lies to you.

Charles of Dacula, GA March 24, 2009

Charles of Dacula GA (03/24/09)
I listened to my agent. He deposited the check and told me the premium would be drafted monthly. My agent delivered my policy and explained it to me, page by page, so that I understood that what coverage I applied for is what I got. Maybe these complaints on here are due to incompetent agents rather than a bad company. One should always read and understand their policy or take it to a lawyer to tell them what they bought. Never RELY on what an agent says. Its whats in print that counts...so read your policy.

Stephen of Hermann, MO March 6, 2009

Stephen of Hermann MO (03/06/09)
I have nothing good to say about American Republic Insurance. We applied in Aug 2004. In Sept 2005 we were notified that our rate went from 288.95 to 342.87. The form letter stated that Continued rising health care costs are a major contributing factor for this increase. Don't forget the 8.00 administration fee charged every month. In Mar. 2006 we got another letter. This time it was increased to 390.39 plus the 8.00 for the same reasonas mentioned. Again in September 2006 it was raised to 421.80. See a pattern? Mar. 2007; 480.59.

To shorten this long tale the last increase was Mar. 2009 and the rates are now 826.38 per month including the Administration fee. The same reason was given in each form letter. All the letters state that a 21% discount was given to reward health conscious customers. That is an increase of 529.43 per month since sept. 2005. During that time peroid I had to decrease my health coverage in an attempt to lower the payments. I carry 5,000 deductable. I find the company to be difficult to deal with and would never recommend them.

We never recieved any siginificant benifit for what we paid out. Now we cannot afford health care from this provider.

John of Sparks, NV February 20, 2009

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