Review Time
My first experience with the service was frustrating. I'm only allowed to purchase over-the-counter items at a specific pharmacy, where the prices are exorbitant compared to other retailers. For instance, a 1000-count bottle of 200mg ibuprofen costs under $15 at one place, while it's $29 at the pharmacy. Although the service offers a slightly higher spending limit, the inflated prices mean you actually end up with much less. This is just one example; there are numerous others!
I switched my Medicare and had a month to complete the process. Unfortunately, it took three weeks for them to supposedly fax my doctor. When I called to inquire, they provided a phone number instead of the fax number. I ended up on a three-way call where they finally got the correct fax number, and I stayed on the line while the fax was sent. I requested a paper form since I lack a copy machine, and they assured me it would be mailed, but I never received it. Now, I'm just getting the runaround; they refuse to send it, and the person who promised to send it has no record of it. They want me to go to a print shop to print it out myself. Initially, I thought switching from my SNP Advantage plan would be straightforward, but if they had sent the form on time, it would have been. Now, it's Christmas Eve, and I have nothing. I won't receive my $200 food allowance because of their delays. I've already contacted the relevant department for assistance. My experience with the previous provider was smooth, but I cannot recommend the current service.
I switched my Medicare and had a month to finish the process. It took them three weeks to allegedly fax my doctor. When I called, they gave me a phone number instead of the fax number. I had to initiate a three-way call to get the correct fax number and stayed on the line while it was sent. I asked for a paper form since I don’t have a copier, and they promised to mail it, but it never arrived. Now, I'm just getting the runaround; they refuse to send it, and the person who promised it has no record. They expect me to go to a print shop to get it done myself. I thought switching from my SNP Advantage plan would be easy, but it could have been if they had sent the form on time. Now, it's Christmas Eve, and I have nothing. I won't receive my $200 food allowance because of their delays. I've already reached out to the relevant department for help. My experience with the previous provider was smooth, but I cannot recommend the current service.
I absolutely love the service; yes, sometimes finding a doctor on the plan can be tough, but when I called, they provided me with a complete list of doctors who accept the plan. If a doctor says they don't, it's not the service's fault; it means the doctor stopped participating without notifying them. I’ve never had an issue getting a referral or having something done. When I call, they take their time to talk, which is nice, especially for seniors who may feel a bit lonely. They offer a give-back program and over-the-counter medications, and I find them to be one of the best insurance providers I've ever dealt with. While there are complaints, that’s common; not everyone can be satisfied. My doctors are on the plan, my needs are covered, and for tests, you should check out the designated facilities, which often do not charge a copay.
After six years with my previous provider, I was frustrated with their service and communication. I am in the process of switching to a new provider soon. So far, the difference in service and communication is remarkable. I am very satisfied with my current plan.
I've been informed multiple times that my reimbursement check was mailed (address verified), but my USPS informed delivery indicates otherwise. Now, I hesitate to use the rest of my benefits as I doubt I will be reimbursed. Their telehealth service was great, but the lack of trust has affected my overall rating. A call with truthful updates would be appreciated.
I appreciate the give-back plan; the premium savings are significant. However, a major drawback is the lack of accurate information about service locations and costs. For instance, I was given a list of facilities for an MRI with a quoted cost of $150, but none of them performed MRIs. It took considerable effort to get the information I needed. Similarly, for an x-ray, I was informed of a $0 copay, but it turned out to be $40, and I’m currently appealing that. If they could provide accurate information, this plan would easily be rated higher.
For routine medical issues, the plan is acceptable. However, if your situation becomes more complex, be cautious. Their network of providers is severely lacking. You'll spend hours with customer service, who only provide empty promises. You might end up going out of network, incurring significant costs. I would advise staying away.
I’m not sure who convinced my husband to switch to this plan, but he has faced continuous coverage problems. He was told his $3,000 Nucala injection was covered, but it isn't. When he tried to schedule cataract surgery, he found out this plan isn’t accepted at the surgery center. I wish there were regulations against targeting older individuals for insurance they don’t understand. The frequent telemarketing calls from those pretending to represent Medicare are excessive and should be prohibited.
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