I've been appealing a claim for 2 crowns, now for 6 months. I just received a denial of my final appeal dated 1/13/26, which was supposed to go to an independent reviewer. I wouldn't be surprised if they are handling all their initial claims and appeals using AI. They don't even read the letters you send them. I just wrote a final letter of complaint to them but could not find the name of any executive to send it to, directly. I had to send it to their general post-service appeals address, which means no one will read it. I can't wait until Open Enrollment Season comes around ago, so I can cancel them from my life.
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The company currently offers traditional fee-for-service medical plan options with a preferred provider organization along with a high deductible health plan that can be paired with a health savings account.