Mega Life & Health Insurance The worst insurance. We were not sold complete policy and they will not pay claims. North Richland Hills Texas
They are the worst insurance co. out there. We were not sold the complete policy, the outpatient ambulatory care, (our agent told us we had everything)and for $900.00 per month for 3 people you would think that you would have everything. When we found out that we did not have the outpatient ambulatory care and applied for it they denied us saying we have pre-existing diagnoises and will not sell us that rider. We have paid out way more than anyone should that has insurance.
Now, our daughter is going to have surgery on her wrist due to a fall and we have had to pay for the MRI and Bone Density Scan since they fall under the outpatient ambulatory care rider. We do have the accident rider, the one that pays up to $1800.00, even though she has not used all of the $1800.00 they would not even pay on the MRI due to it being done past the 45 days of the injury. We are looking REALLY HARD for another insurance. I do not recommend them to anyone. I just read in PEOPLE magazine last night about 2 claims, among many, they had against them. Now that is a national magazine, what does that say about their company??!!!
Kimberly
Lebanon, Tennessee
U.S.A.
6 Updates & Rebuttals
Benjamin
Dallas,Texas,
U.S.A.
previous posting
#7UPDATE Employee
Thu, July 19, 2007
To,
Kimberly
Lebanon, Tennessee
I am sorry to hear about your daughter. I would have never sold you a policy that did not cover emergency coverage's. I add emergency, accident, etc.. to every family I meet. Sometimes they can not afford what I can offer them but at least I know I tried.
Please contact your agent and his or her office and complain. If you do not have the accident rider then you are subject to the deductible, and the $250 co-pay + the coinsurance. Mega was designed to cover catastrophic coverage and the other coverage is on the client.
If you do not have the Care One (Plus) plan you only have 21 days for your treatment. If you where denied coverage due to a preexisting condition; once again your agent should have contacted you because it shows up on their report.
My previous reply before this one it has been edited by RO and I thank them. (THANK YOU RO). It did not make sense and I apologize to anybody who read it before the editing. Even though it still does not make since I hope this message does.
The two claims that you mentioned in People magazine happened over 1 or 2 years ago. They have been offered settlements, and still choose to report the information in this magazine. Mega has changed the coverage plans for the better. My wife gets the People magazine 2 weeks early. After seeing the article I decided to research several of the other health insurance company's policies and many are listed on this website with the same problems that you are facing.
I can honestly say that I would have tried to make sure you had the best coverage possible for your family. I would have insisted on the plus plan and if you couldn't afford it I would have left you some names of other agents who could have helped you.
Once again I am truly sorry for your troubles and experience with Mega Life & Health.
Benjamin
Frisco,Texas,
U.S.A.
You Should
#7UPDATE Employee
Thu, July 19, 2007
Maybe you should have mentioned the office your agent works for so that the public will know what you have purchased and who from.
I am not knocking your family or the compliments, but with so many complaints maybe somebody from your neighborhood would like to have the same type of coverage you have.
from your local mega agent. thx.
Carla
San Marcos,Texas,
U.S.A.
I have Never had a problem with my Mega Policy!
#7Consumer Comment
Wed, July 18, 2007
My family has been on a Mega policy for 5 1/2 years now. The new policies they have out now are absolutely wonderful. Now...my family does not have pre-existing conditions that were not disclosed at the time of application! I think this is where the entire problem lies. We have no copays when the kids get sick and I have to take them to the Dr. and we also do not have a deductible that has to be met before our coverage kicks in. We had an ER visit recently and it cost a total of $150.00. Exactly as our agent mentioned. I think you simply did not understand the policy and add all of the riders you should have.
This is not all your fault, your agent should have provided you with this information. Our agent is ver attentive and is always looking out for our best interest. He even calls when a new and better product comes out. I feel for you, but you have be honest on an application and know exactly what you are taking off the policy if you are trying to save money. I think if you look at the reports on other insurance companies, you will probably find similiar complaints. Personally, I love our policy through Mega Life and Health and would reccomend it to any and all!
Carla
San Marcos,Texas,
U.S.A.
I have Never had a problem with my Mega Policy!
#7Consumer Comment
Wed, July 18, 2007
My family has been on a Mega policy for 5 1/2 years now. The new policies they have out now are absolutely wonderful. Now...my family does not have pre-existing conditions that were not disclosed at the time of application! I think this is where the entire problem lies. We have no copays when the kids get sick and I have to take them to the Dr. and we also do not have a deductible that has to be met before our coverage kicks in. We had an ER visit recently and it cost a total of $150.00. Exactly as our agent mentioned. I think you simply did not understand the policy and add all of the riders you should have.
This is not all your fault, your agent should have provided you with this information. Our agent is ver attentive and is always looking out for our best interest. He even calls when a new and better product comes out. I feel for you, but you have be honest on an application and know exactly what you are taking off the policy if you are trying to save money. I think if you look at the reports on other insurance companies, you will probably find similiar complaints. Personally, I love our policy through Mega Life and Health and would reccomend it to any and all!
Carla
San Marcos,Texas,
U.S.A.
I have Never had a problem with my Mega Policy!
#7Consumer Comment
Wed, July 18, 2007
My family has been on a Mega policy for 5 1/2 years now. The new policies they have out now are absolutely wonderful. Now...my family does not have pre-existing conditions that were not disclosed at the time of application! I think this is where the entire problem lies. We have no copays when the kids get sick and I have to take them to the Dr. and we also do not have a deductible that has to be met before our coverage kicks in. We had an ER visit recently and it cost a total of $150.00. Exactly as our agent mentioned. I think you simply did not understand the policy and add all of the riders you should have.
This is not all your fault, your agent should have provided you with this information. Our agent is ver attentive and is always looking out for our best interest. He even calls when a new and better product comes out. I feel for you, but you have be honest on an application and know exactly what you are taking off the policy if you are trying to save money. I think if you look at the reports on other insurance companies, you will probably find similiar complaints. Personally, I love our policy through Mega Life and Health and would reccomend it to any and all!
Carla
San Marcos,Texas,
U.S.A.
I have Never had a problem with my Mega Policy!
#7Consumer Comment
Wed, July 18, 2007
My family has been on a Mega policy for 5 1/2 years now. The new policies they have out now are absolutely wonderful. Now...my family does not have pre-existing conditions that were not disclosed at the time of application! I think this is where the entire problem lies. We have no copays when the kids get sick and I have to take them to the Dr. and we also do not have a deductible that has to be met before our coverage kicks in. We had an ER visit recently and it cost a total of $150.00. Exactly as our agent mentioned. I think you simply did not understand the policy and add all of the riders you should have.
This is not all your fault, your agent should have provided you with this information. Our agent is ver attentive and is always looking out for our best interest. He even calls when a new and better product comes out. I feel for you, but you have be honest on an application and know exactly what you are taking off the policy if you are trying to save money. I think if you look at the reports on other insurance companies, you will probably find similiar complaints. Personally, I love our policy through Mega Life and Health and would reccomend it to any and all!