- Report: #139312
Complaint Review: MEGA Health And Life - North Richlands Hills Texas
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MEGA Health And Life
9151 Grapevine Highway North Richlands Hills, 76182 Texas, U.S.A.
Phone:
800-527-5504
Web:
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MEGA Health And Life Beware Company uses tricky language to avoid paying medical claims RIPOFF North Richlands Hills Texas
This company wants to provide medical coverage on their terms to maximize profits. This company recently received a cease and disist order form the Washington State Insurance Commissioner. What does that suggest??
I am NOT speaking as "another disgruntled policy-holder who does not understand his medical plan." I understand my plan very well.
MEGA is selective in what and how they cover medical claims.
My daughter suffered from an allergic reaction, was rushed to an emergency room, treated there and had two subsequent doctor office visits for follow-up care. MEGA elected to pay my daughter's claim using the Accident Rider that was available in my coverage. Consequently, the insurance plan paid less optimally, leaving me with hospital, physician and doctor office bills amounting upwards of one thousand dollars ($1,000).
I could not understand their rationale for classifying my daughter's condition as an accident. Profit drives how they pay. MEGA has it all figured out. They manipulate the language and how it reads in the policy. This allows them to split-hairs and to loophole their way out of paying claims optimally.
The customer service people were smug and stopped short of calling me "another policy holder who does not understand how his plan works."
Beware.
Stanley
Kent, Washington
U.S.A.
I am NOT speaking as "another disgruntled policy-holder who does not understand his medical plan." I understand my plan very well.
MEGA is selective in what and how they cover medical claims.
My daughter suffered from an allergic reaction, was rushed to an emergency room, treated there and had two subsequent doctor office visits for follow-up care. MEGA elected to pay my daughter's claim using the Accident Rider that was available in my coverage. Consequently, the insurance plan paid less optimally, leaving me with hospital, physician and doctor office bills amounting upwards of one thousand dollars ($1,000).
I could not understand their rationale for classifying my daughter's condition as an accident. Profit drives how they pay. MEGA has it all figured out. They manipulate the language and how it reads in the policy. This allows them to split-hairs and to loophole their way out of paying claims optimally.
The customer service people were smug and stopped short of calling me "another policy holder who does not understand how his plan works."
Beware.
Stanley
Kent, Washington
U.S.A.
2 Updates & Rebuttals
Lee
Scituate,Massachusetts,
U.S.A.
They do sell in WA
#2UPDATE Employee
Sat, July 12, 2008
Actually, Mega does sell in WA and has an excellent rating. Obviously you actually did not understand your coverage.
Stanley
Kent,Washington,
U.S.A.
MEGA cease and desist order in WA State
#3Author of original report
Mon, June 13, 2005
MEGA Health and Life insurance has been ordered by the Washington State Insurance Commissioner to stop selling certain health insurance policies in the state. www.insurance.wa.gov Also, I read one person's complaint in this forum about MEGA making unauthorized bank withdrawals from the policyholder and how the policyholder was having problems with their bank because of it. I too had a similar problem with MEGA. I mailed a letter to the North Hills, Texas office expressly ordering them to discontinue making any debits to my checking account and that I was cancelling the health insurance policy. Well, guest what: they ignored my instructions and drafting the monthly premium!!! It is easy to tell that the employees who work in the MEGA customer service department are not products of the university system, if you know what I mean. I am willing to bet these folks are minimum wage earners who probably have difficulty securing employment elsewhere. AVOID MEGA HEALTH AND LIFE OR YOU WILL BE SORRY.
