I have, soon to be had, a short-term heath insurance policy with Assurant Health. I went to the doctor who monitors my treatable high blood pressure, and was surprised when the Lab work was completely disallowed as a pre-existing condition. So rather than paying the discounted lab fees that an insuranced individual pays, I am paying the same rate as an uninsured individual. Which brings up the question, what is an Assurant Health policy for? They cover nothing.
I feel lucky to find this out now. I essentially have no healthcare coverage. But at least now I know it.
I called my Insurance Agent, explained what was happening, and he agreed I basically have no coverage at this point.
I called Assurant Health, who offered to cancel my policy for me if I wasn't satisfied with what they aren't doing for me. I have my agent looking for another policy, hopefully a real policy, before canceling my Assurant Non-Health Care Policy. This company is a joke.
Nilcy of Tillamook, OR June 28, 2009
My cousin applied for a health insurance- Assurant called and ask for 20 payment for application. My cousin being new to the country asked for help and I gave my Atm. A day later I went to the bank and was trying to withdraw some money and to my shock I was 700 off. the teller notified me that there was a deduction from Assurant insurance- we called the company and we were told my cousin was approved and that payment was deducted from the account- I am so mad but what can i do?
Donald R. Miller of Lake Geneva, WI April 3, 2009
Beware of Assurant Health! Before you write off all the complaints you see on Assurant Health, pick up a copy of the March 16, 2009 issue of TIME magazine and read the article The Health CAre Crisis Hits Home. This article clearly describes how Assurant Health is ripping off consumers! Don't waste your money with these rip off artists!
Siohvan of Fayetteville, GA March 17, 2009
Assurant health are nothing but con artist! It all began when the price they quoted me for health insurance for my husband and I went up like 50 bucks. I called to cancel and told them to stop any further drafts coming out of my account. I was told by a woman named Shirley that no other fees would come out of my act. Well a week later they attempted to hit my act. twice for my monthly bill. This caused 235.00 in overdrafts fees.
Well when I complained and submitted proof by fax they wrote me a letter stating that I was not going to be reimbursed because they sent me a letter telling me that the fees would still come out two more times even though I canceled. Well that was not only unfair but they also sent this rip off letter to the wrong address! So you would think that they would then see their mistakes right? Well I am still waiting and have not even received a call.
Well in addition to that they sent me a 130.30 check as a prorated balance when I canceled my insurance. And guess what? The check bounced!! Costing me a 10.00 bounced check fee, another 175.00 in NSF fees, and 180.00 of my own money to cover the fees!!! A total of 730.00 and not one doctors visit! Well I have submitted my bank statements as proof and they have not responded. I urge you unless you have money to throw away and you could use the aggravation do not do ANY TYPE of business with this company. Their employees are not trained, rude and the company does not take responsibility for their mistakes!
As a result we may not be able to close on our dream home because part of our requirements for qualifying is that we do not have any NSF fees on our accounts in the last 60 days. Well because of Assurant Health we now have 14 just since 1-09. And they refuse to take responsibility. This has been a disaster!! It has hurt my three precious innocent children who want a home so bad, so they can have a yard to play in and a puppy. Furthermore we still do not have health insurance. And we have had to dig in our saving twice to cover their mistakes on our account. I again urge you to stay away from them. If you see their logo online DO NOT CLICK ON IT! If they send you something in the mail trying to gain your business THROW IT AWAY!
Roy of Safety Harbor, FL March 14, 2009
They sold me a health policy for myself and my wife for about 170 per month. It was to take care of medical bills, hospital bills with a yearly deductible of 2500. When I had a problem with a knee, it was later found out that they would not pay anything other than the amount of my premiums. I was faced with bills in excess of 25,000 that Assurant would not pay! (Time Warner owned them in 2006.) State of Florida would not do anything about it stating that they were not licensed in Florida even though the agency was in Orlando, FL. This company is a big SCAM!!!
Even though my claims were valid, they would not pay, Florida Attorney General's office would not intervene, and I had my credit ruined because of Assurant! I hope that everyone hears about my problems with Assurant and doesn't do business with a company that is so irresponsible!
Lynette of Jonesboro, GA March 13, 2009
I purchased a Sony VAIO laptop from a Compusa store back in 2006. In additon, I purchased a 3 year exended warranty. My battery has recently expired and called to request a new one which should be covered in my plan. The laptop was purchased 3/11/2006. I called to request the battery on 2/26.2009. The assurant reps could not locate any record of my purchase and requested that I fax them a copy of the original receipt. I faxed them a copy but still they have not been able to accomodate my request and is still saying that they have no record of my purchase.
This computer has been services twice prior; a disk crash in 2007 and display problem in 2008...so for them to say that they have no record is just amazing to me. I have seven times since the first call and have made no progress. I've paid for a three-year warranty and am entitled to my battery for my laptop. I was told to fax the original receipt with the following information: Attention: Data Entry, Incident number 12994078 and my name. I was told to give them up to 5 business days to retrieve the fax. It was first faxed on tuesday 3/2/2009 My follow-up call was on 3/9/2009 and I spoke with Cody (#6070). He again said that no fax was received and asked that I fax the receipt again and call back. I faxed 4 copies that same night.
I called again on 3/12 and spoke with Cynthia but her computer was down and could not work with me,however she asked me to immediately call back and another agent should be available to assist. I called back twice and only Cynthia answered both times! She tried to assist however but could not provide much due to computers being down.
Christopher of Colorado Springs, CO April 10, 2008
I have an Accidental Medical Expense Rider on my health insurance policy. It pays the first 1000 of my deductible if the injury/illness I'm suffering from is caused by an accident. The only restrictions are that the injury/illness be caused by an accident, the policy is in force at the time of the accident, and treatment be sought within 90 days of the accident. All criteria have been met and there still has been no resolution. This all happened in October of 2006 and it is now April of 2008
I now have medical bills in collections, I have negative information on my credit report. I cannot afford to pay the remaining bills since I had to take so much time off of work to heal. I am self employed so there is no one to go after to pay for thing due to my on the job injury.
Chris of Hobe Sound, FL January 7, 2008
I signed up for a 3 month TEMPORARY insurance plan. After 3 months I realized they were still billing me. I called, and they told me to fax in a cancellation on my account. I faxed it in, and they billed me again. I called again, and this time somebody answered (on a normal, Monday afternoon) and said everybody was out of the office. She had to take a message, and they would get back to me in 48 hours. Called again a week later, told me they never received the fax. They will do everything they can to keep billing you.
Give their phone number a try....When I called their number each time, it asks you to enter your social security or your insurance number to identify you; no matter what I entered, it said it couldn't find it on file and keeps saying let's try this again. Even when you don't enter anything on the phone, it says let's try this again, please enter your.... It takes about 10 minutes before it finally goes to the operator. This is because they hope people will think, "Oh well, maybe they won't bill me again because I must be out of the system if they can't find my information...but no...they WILL bill you again. This is a scam; don't fall for it.
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