Complaint Review: Assurant Employee Benefits (Dental)

The State of Arizona for retirees uses this company-only one avaialble for retirees (and probably employees too) .   Usually the lowest contract is selected .  Perhaps that is not the  way to select an insurance company, as based on my experience with having aobut $3700.00 in dental claims just  denied except for $100.00 leads me to believe they got the lowest bid, as they know they won't be paying claims so they can put a low bid in.  This is the first time I have had dnetal work done  with this insurance company.  Before I had Delta and they paid $1500.00 maximum out of my $9600.00 in dental claims.  Delta is wonderful.  I have bad teeth.  A sad fact.  Not all of us are born with great teeth.  I am 66 years old,  My teeth are getting old, and I am tyring to save them so I don't have to have dentures.  I had a pin in my one tooth break, and it took a specialist and one hour to get it out.  Grueling, but it beats having the tooth pulled, and an expensive imlant.  Ins. wont' pay for the pin to be removed, but said they pay to have one put in.  Huh?    So now I have had to have the bridge type thing put in - one tooth is there, the other not,  They didn;t pay for the new pin. Here are dential reasons which make no sense.  Procedure pefomed subject to frequency limitation (huh?  first time using your insurance).  Charge due to and in conjunction with missing teeth which are missing prior to effective date, and only certain amount allowed (100.00 of 175.00 for allowed for a tooth extreaction.   

So now the appeal process starts, and I will take this up the ladder as far as I can go.  I am also contacting someone of some decision making with the State of Arizona, as to how bad this company is.  Perhaps if Assurant  realizes they may loose contracts, they will start  paying valid claims.

The State of Arizona is just wasting our money on this company.