Conseco Insurance

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Nancy of Blanding, UT November 16, 2009

Conseco in not honoring the Cancer Insurance Policy purchased for my mother in law. We have requested a copy of the policy TWICE this past year since the passing of my Mother in law. This has not been supplied. We have sent every item requested by Conseco for the process of the Cancer Insurance claim. Proof has been given for processing of claim: original claimants Proof of Death claim form, a signed release to Conseco for release of any information for any needed information to process this claim, copy of death certificate, copy of insurance card, Patient referral form (to diagnose the cancer), medical care detailed information, pathology report,ambulance service details, Mortuary billing, and 1500 claim forms (the required form to process).

Every item requested has been sent, some as much as two and three times. Conseco will say that all the information has been received to process, then another letter comes in the mail requesting more information. My mother in law passed away Oct 25, 2008. Claim was submitted to Conseco on December 3, 2008. No response came from Conseco at all. It appears that they received and sat on the claim.

When months and months went by, my Father in law and Sister in law tried to get some answers from Conseco. They just kept getting the run around. I agreed to help my father in law try to get his affairs in order, bills needed paid. I contacted Conseco several times to find out what information was needed. Conseco did not contact any of the medical facilities for information, even though we were required to supply them with a release of information form.

The responsibility has been placed on us to research the information and forward it on to Conseco. We have done this, TIME and TIME again. Though it seems that even the requested information that has been supplied, is not sufficient for the processing of this claim. Conceso seems to be avoiding payment of claim in any way that they can. So after being told that they had the information needed, and then again sending out another letter, well it's the last straw.

Now Conseco requests a statment from the doctor on his letterhead giving the type surgery. When the pathology report was sent, also included was the doctor notes from the days my mother in law was in the hospital. This has drug on long enough. Her affairs and bills need to be taken care of. And my father in law needs to have some peace of mind getting this settled. We have had not had any trouble with any of our other insurance companies getting things finalized.

There are medical bills needing paid. The air ambulance bill alone is 41,125.00, and they want to be paid. With his fixed income, he can only do what he can do. My father in law has had one heart attack, and he has complained of pains in his chest. I do not want to lose him too. Conseco will not supply a copy of the policy, and continued letters and delay in payment have caused much stress on the family. There is no reason this should have been drug out for over a year. This insurance was paid for, all the premiums were paid. Now Conseco needs to honor their insurance policy.

Cassandra of Versailles, KY October 19, 2009

I have had a Cancer Policy with Conseco for 10 years now. It is a policy that in which after 20 years, I can cash out or continue the policy. I have left my employer in which payments were taken directly from my check to Conseco. Currently I have been requested to submit my payments quarterly and a request for a cancelled check was done and submitted to have the payments taken by draft.

Conseco claims they did not receive my payment, nor have I received a letter indicating that my account was cancelled. It was during my attempt to balance my check book that I noticed the check had not been processed. I attempted to call Conseco to discuss the matter and was told to resubmit the check and complete reinstatement paperwork to continue policy. This was done and the check submitted was cashed by Conseco.

I now receive a letter that my request for reinstatement was denied because my request was beyond the period for consideration, even though they accepted my payment and cashed it. I tried to explain that prior to my contact to Conseco, nothing was received from the company indicating my policy was cancelled.

This feels like "Fraud" to me. I know what I submitted and when. This is why I do not like submitting payments through the mail, because then they can say pretty much what they want on its receipt. To this date, I still have not received my first check back through returned mail or anything. I used their envelope when I mailed the payment. I feel so betrayed. I will lose a policy of an enormous value, especially since I have carried this policy since 1999.

Donnita of Louisville, KY September 10, 2009

I filed bankruptcy in 2004, which this company was contacted so my account with them could be included, but they never responded. I am now trying to contact them to find out anything I can about my account because they have not contacted me in any form since 2004. My was suppose to have been sold two months ago but I third mortage showed up, which is this company.

My house is not able to be sold because Conseco has a lien placed on the property. I am just waiting to be foreclosed on or the house sold, but I need this information from Conseco about my debt i owe to them.

Manuel of Saugus, CA July 14, 2009

Coseco made an unauthorized withdrawal from our bank account. This was after we sent a check of three hundred plus for a suspension of plan. After we paid for the continuation they again took out another 178. plus. We spoke to several people who could not explain what it was for. We finally got a hold of Gail Alegre who passed us on to the specialist because she could not understand why they would do such a thing. Specialist Toni Thompson agreed with Gail and assured us a refund would be issued to our account withis 2 to5 working days. Taht was told to us in mid June. We are now in July and we have not yet received our refund. To me they are not keeping their verbal agreement and with the unauthorized withdrawal I should call them something else.

Paul of Corpus Christi, TX July 6, 2009

Conseco was notified May 5, 2009 of my father's pasing the day before,and asked to stop the automatic draft of premiums from his and my mother's bank account. They failed to comply, extracted more funds from their acount and now can't seem to get it together and return these funds and unearned premiums to my mother.

This once again illustrates the Insurance Behemoth as the "organized crime" it is and is allowed to be.

Gerald of Dayton, NV May 7, 2009

Said request to expedite issuing surrender value of monther's insurance policy was sent to "Expediter Department" but had no further information, said it would take 3 to 5 business day, same story given on 4/27/09 and several times since but no response. My mother is due to be released from hospital to long term care which is paramount to her health, but cannot qualify for Medicaide until this issue is resolved. Surrender value is approx. 2,400, max allowed by Medicaide is 2,000. Need help conviencing Conseco to expedite check.

Diane of San Jose, CA April 17, 2009

Diane of San Jose CA (04/17/09)
December 3, 2008: I mailed a Request to Surrender for Net Cash Value form provided by Conseco.I requested my cash value in the policy at that time. Jan. 27, 2009: I called to see if my paperwork had been received and was told by a representative that I must also include a letter stating that I had received the letter from Comseco dated Dec. 19, 2008.

When Conseco received my second letter along with the surrender form they could then process my claim. I mailed this letter on the above date. Feb. 26,2009: I again called to inquire about the status of my request. I was told they were looking into it and yes, they confirmed all my paperwork was complete. March 9,2009: another call requesting return of my funds. More excuses with I'm sorry and I understand your frustration. I was also mentioned at this time that there was a 20 day time period in which my funds were to be released to me according to law.

April 13, 2009: another call and I get the same runaround. I get to talk to the manager again, Patrick. He assures me he will personally look into the matter and call me back by Wed. the 15th or Thurs. the 16th. He told me that a check had been cut previously, but before it was mailed out, someone saw an error in the calculations and now another check had to be prepared.

April 17,2009: I have not received a call from Patrick as promised, so I again call and jump through the hoops with no resolution to the request. I am again told Patrick will call me back today because he is currently on another call. *My husband had a policy with the same company, taken out at the same time as mine. We mailed in our surrender forms and the additional letter in the same envelopes. He received his surrender check then end of February/first week of March.

I have been forced to delay some much needed repairs to my home and am extremely frustrated and agitated with the lack of customer service. What is my recourse? I feel totally at their mercy and wonder if my beneficiaries would ever have received the death benefit from this policy had I died?

Nadean of Sutton, WV April 7, 2009

Nadean of Sutton WV (04/07/09)
Re; Cancer Poicy Husband diaagnosed with Stage 3 Lung Cancer in 10/07. Was hospitalized with breathing problems, etc. several times between diagnosis and his death in 7/08. Have had terrible time trying to receive the reimbursement for benefits since his death. It seems everything I obtain from the medical facilities, doctors, ambulance authority, etc. is not what they will accept.

I have contacted these facilities many times and they cannot understand why they will not accept these verifications of diagnosis, hospital stay, ambulance trips, etc. I have had this policy for about 20 years and expect to receive reimbursement for these expenses. Conseco Health Insurance Company should be investigated by the WV Attorney General's Office. Conseco has caused ezxxtreme stress on myself and children by failing to accept the information I have submitted. I believe that Conseco's policy is to cause as much hardship on grieving families in hopes that they will not have to pay out benefits which the family of a cancer patient is entitled to receive.

Conseco has caused extreme stress on myself and family by not accepting the volume of medical information submitted on my deceased husband due to his lung cancer. This is also causing the medical facilities, etc. to question the insurance company as they have submitted ample documentation of hospital/doctor's fees.

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