Review Time
I strongly recommend avoiding this service or anything similar. Last year, I encountered a health issue that required consultations with multiple doctors. My initial step was to visit urgent care, where a CT scan revealed the issue. Unfortunately, my claim was denied due to the lack of prior authorization for CT scans. The facility has a window of 72 hours to submit this authorization, but as a new user, I was unaware until it was too late. Each time a doctor submitted a bill, it was rejected as it fell outside the 90-day window. Many medical facilities are significantly delayed in their billing processes, making resolution nearly impossible. Additionally, most providers seemed unfamiliar with how to handle billing for this service. My experience with customer support was incredibly frustrating. Luckily, I managed to obtain legitimate insurance before needing serious surgery, which processed claims without any issues. The previous service cost over $600 per month, while the legitimate insurance was $1,000 per month without a subsidy, and it was infinitely better.
I strongly advise against using this service or any similar program. Last year, I experienced a health issue that required visits to multiple doctors. My first stop was urgent care, where they conducted a CT scan and identified the problem. However, my claim was denied due to the necessity of prior authorization for CT scans. The facility has a maximum of 72 hours to submit this authorization, but as a new user, I was not informed of this until it was too late. Each time a doctor submitted a bill, it was declined because it was outside the 90-day window. Many medical practices are significantly behind on their billing, making resolution nearly impossible. Most providers were also unfamiliar with how to bill for this service. When I contacted customer support, it was an incredibly frustrating experience. Thankfully, I secured legitimate insurance before needing serious surgery, which processed claims without any issues. The service I previously had was over $600 per month, while the real insurance was $1,000 per month without a subsidy, and it was far superior.
I wish there were an option for negative stars. I was sold this membership based on claims of 'values' and that they genuinely care for their members. However, when it came down to it, the service had numerous escape clauses to avoid paying claims. Their website even quotes a verse about carrying each other's burdens, yet the only burden they seem to carry is the countless negative reviews stemming from an unethical board that profits while leaving members with overwhelming hassles and medical bills. Stay away from this scam!
I have been waiting over seven months for a reimbursement check, and despite calling more than ten times to follow up, nothing has been resolved. The representatives are friendly, but when I needed a reimbursement, I felt completely abandoned. I cannot recommend this service to friends and family due to their inadequate support.
I wish there was a negative star option. Be cautious; this insurance provider is ridiculous. They claim to have a vast network, but it took a year for them to approve an emergency knee surgery. The number of calls I made was absurd. Now, for a second unrelated surgery, they have denied my claim, and I’m told the appeal process will take 30 days. I cannot wait to be free from this service, and I caution others against them.
This service makes changes without informing clients. They started charging extra for credit card payments without any warning. Claims have been rejected for 'no coverage' despite having coverage. I can’t even see the necessary information until everything is completed, and even service representatives cannot provide updates. Benefit plans and prescription plans change frequently without notice.
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netWell is a Health Care Sharing Ministry (HCSM) that treats its members like family. Our members share a common set of religious and ethical beliefs, contributing to and supporting each other’s eligible medical needs based on these values. We welcome anyone who aligns with our Statement of Religious and Ethical Beliefs to join our community.
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