Review Time
I am very unhappy with the service and support I received. They denied my coverage request and showed no effort to address my concerns. Their lack of consideration for continuity of care is particularly disappointing for someone in my situation.
The service is disappointing, and the customer support is lacking. I will never use this company again. They denied my claim for short-term disability and show no willingness to assist in resolving issues. As a pregnant woman trying to secure coverage, their disregard for providing proper care is unacceptable.
After three years of premium payments, I found myself covered for only $61 on an $1,800 bill. Services like x-rays and fillings were supposedly covered at a significant percentage, but the reality is far from it. This company should not be allowed to operate in the Marketplace due to their deceptive practices.
My dentist stopped working with this provider due to their slow claim processing. I submitted an out-of-network claim that required unnecessary information they should already have. After checking, I discovered my claim was processed incorrectly. Customer service was unhelpful, and the support seemed outsourced and ineffective.
I never received any documents, and when I called customer support, despite providing personal details, they were unable to assist me due to a missing number they never sent. I was transferred multiple times without resolution. Their service is disgraceful.
Having this insurance through work has been a nightmare. After surgery, they show no concern for my recovery while pressuring me to return to work. Their short-term disability payments are delayed and inadequate, leaving me in a tough financial situation. Their practices feel predatory.
If you can choose your insurance provider, steer clear of this one. They denied my claim for a crown despite recommendations from two dentists. Their focus seems to be on profits rather than patient care. I’ll be sharing my experience to warn others.
I would give zero stars if I could. After initially being approved for long-term disability, they cut my benefits during a review despite my worsening condition. The constant requests for medical records are excessive. Their delays are frustrating and seem deliberate.
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The Guardian Life Insurance Company of America (Guardian), a Fortune 300 company, is one of the countrys leading mutual insurers.
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