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HEALTH PLANS: Does this sound in the least familiar?

From Government News of the Week:.

Connecticut Attorney General Richard Blumenthal (D) said his office has received complaints that Assurant, Inc. denied claims based on questionable conclusions about patients’ pre-existing conditions. The AG’s office said it received 20 complaints against the insurer over the past few years, and that 15 of those claims involved denials for health conditions that allegedly existed before the policies were effective. The claims that were denied came from individual policyholders, Blumenthal’s office said. Also, the Connecticut Insurance Department said it received 111 complaints over the past four years related to Assurant’s denial policies and that only 16 of them were deemed justified by the department. The insurance department started investigating the insurer’s claims-denial practices last year. Assurant Health spokesperson Phillip Chang said the plan is committed to working within all applicable legal and regulatory guidelines of every state it does business in, but could not comment on individual cases.

Of course, it’s unlikely that this type of thing was going on only in California. Meanwhile, long-time THCB readers might be amused to know that Assurant was the company whose HSAs and HDHPs were being pimped continuously on this channel by commenter Ron Grenier. In other words they were among the most underwritten of all policies—and apparently they still had to cancel them after the fact!

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Jane BilodeauAffordable Health Insurance QuotesGuessWhoECBECB Recent comment authors
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Jane Bilodeau
Guest

What hell is this about.

Affordable Health Insurance Quotes
Guest

This is why it is alway important for an applicant to never lie on a health insurance application.

GuessWho
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GuessWho

More on Assurant, shame on you! Article added: 02/03/2008 Montanans Owed Money By Fortis On Health Insurance Claims FOR IMMEDIATE RELEASE: Thursday, September 2, 2004 CONTACT: Sarah Elliott 406-444-2495 31,000 Montanans To Get Letters Asking Them To Resubmit Claims (HELENA) State Auditor John Morrison today announced an agreement with Fortis Health, now known as Assurant Health, which will result in 31,000 Montanans receiving letters asking them to resubmit claims that were processed incorrectly by the company. A Consent Agreement was reached bringing Fortis Insurance Company and John Alden Life Insurance Company into compliance with Montana law. The agreement included a… Read more »

ECB
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ECB

Another case of Assurant deception: Complaints to Blumenthal’s office involve Assurant Health Insurance’s (a.k.a. Fortis and John Alden Company) retroactive or “look-back” procedures used to bar coverage on the basis that patients’ conditions pre-existed policy onset dates. “Compromising coverage of catastrophic illnesses is unconscionable and unacceptable,” Blumenthal said. “The Insurance Department cannot delay this audit any longer — now more than four months old. Its results are vital to coverage for life-saving medical treatment. “Improper use of so called preexisting conditions should be barred and banished. My office will continue to fight for stronger legislative protections against these practices.” Blumenthal… Read more »

ECB
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ECB

Health insurance claims settled in Conn. HARTFORD, Conn. (AP) – Three subsidiaries of a Milwaukee-based insurance holding company have agreed to restitution and a corrective action plan after the state determined that medical claims were wrongfully denied, state Insurance Commissioner Susan Cogswell announced Thursday. Prompted by consumer complaints, the Insurance Department began investigating the companies, which are subsidiaries of Assurant Inc., in September 2006. The Insurance Department said it reviewed claims, appeal information and underwriting and marketing materials between Jan. 1, 2000, and Dec. 31, 2005. Cogswell said the agency reviewed more than 500 claims, focusing on claim denials for… Read more »

ECB
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ECB

Assurant Health overcharged an unspecified number of small businesses between 2002 and 2004 and will have to pay refunds to those clients, state regulators determined in an investigation of the Milwaukee-based insurance company. The Wisconsin Office of the Commissioner of Insurance found that Assurant miscalculated rates for small employer customers and must refund each small employer group the amount it was overbilled. It’s not yet clear how many of Assurant’s small employer customers, those with between two and 50 employees, had to pay higher health insurance premiums because of the miscalculations, or how far back the miscalculations stretch. The insurance… Read more »

kpntreal
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kpntreal

Last week on the job we were handed a few forms to fill out as our company owner was shopping for a new insurance carrier, as Kaiser’s “rates are going up” so we were told. The forms wanted extremely detailed information about every aspect of the Medical care I and my family have received since we each saw the light of day. This info included a comprehensive list of EVERY medication we had received, EVER. It seems to me that such a blatant disregard for privacy so early in our proposed relationship can only come to naught. They appear to… Read more »

Gavin Williams
Guest

Although Assurant is a well known company stories like this really sadden me. Ive been selling insurance for years in Florida through my website http://www.americaninsuranceplus.com I make sure my clients list all treated conditions and be as honest as possible.

albert
Guest
albert

You folks are amazing. Insurance and people who only take it after they get sick steal from all of us. Many of these cases are accurate. People don’t carry good or any health care, get scared then try and get all of us to foot the bill for their mistakes. You can’t get a car insurer to cover the dents you had before you paid for insurance. These folks all whine and cry about the insurance companies but they don’t do what is right until they have a problem and expect everyone to have pity. The other pieces I have… Read more »

Martin
Guest

I am an insurance agent and tell all of my clients that there are no “good” insurance carriers. Some are just a little less evil than others. My website http://www.flquote.com is well known in Florida for just that reason. Given an opportunity, Assurant, et al., will deny a claim. That is why I have my clients list every hang nail they have ever had. By doing so, the application becomes part of the issued policy and serves as an official record. The insured has thrown the ball back into the insurer’s court and it is incumbent upon the carrier to… Read more »

Tim
Guest
Tim

I do… and on a daily basis. You wouldn’t believe the amount of stupid things a group of insurance agents can spew forth when given the opportunity.

smetal
Guest
smetal

The policies of these companies are atrocious. If only you had to deal with the folks selling them….

Tim
Guest
Tim

Ron.
8^)
There… see? He didn’t come back afterall.
Oddly enough, Assurant is pushing some new plans now… something with more “flexibility”… blah blah blah. I still think HSA’s are the way to go, but an HSA is an HSA, and buying a stupid rich plan is still buying a stupid rich plan.

Matthew Holt
Guest

No, hit refresh and Google will send you another set you prefer. I dont control what Adsense puts my way

SBD
Guest
SBD

Matt,
I know you are trying to pay the bills, but do I really have to see UnitedHealth ads when I come to your blog?
SBD