• Report: #382837

Complaint Review: Assurant Health And Its Agent

  • Submitted: Mon, October 20, 2008
  • Updated: Tue, February 10, 2009

  • Reported By:Ft Lauderdale Florida
Assurant Health And Its Agent
PO Box 624 Milwaikee, Wisconsin U.S.A.

Assurant Health And Its Agent Mislead by Assurant Health they pass the buck to reprentative Agent Ray Ackerman Ft Lauderdale Florida

*Consumer Suggestion: I dont think you understand

*Author of original report: 2 questiones answered

*Consumer Comment: a couple questions

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After months of going back and forth with Assurant Health Care it is now obvious they use and condone their representing agents to mislead and falsely represent their policy coverage during the initial sales call. Representing agent Mr. Ray Ackerman sold me a policy and discussed it with me for more then 2 hours before I purchased it. What he sold me and what the policy actually was were very different. Even to this day I have never received a policy book from Mr. Ray Ackerman. I did receive the insurance card and monthly invoices for payment from Assurant though. I attempted to correct this with Florida Consumer Affairs and I also seeked legal advice. Both noted to me the separation between Assurant representative's agents and Assurant Health Care direct. THIS IS A CORPORATE / FLORIDA STATE SCAM that is backed by law. It is not just in anyway and represents how bought off our legal system is by large corporations.

If I knew that I would have been denied coverage and offered partial coverage, I would have not purchased Assurant Health through Mr. Ackerman. Obtaining a different providers policy or just lived with the pain and discomfort, as well as not cut a check every month to Assurant Healthcare. I now must take full responsibility for my actions and will NEVER trust an insurance agent ever, without fully reviewing the complete policy before agreeing to it. I have over $7000.00 of bills driven by Assurant pre-existing denial (even if it was never diagnosed) and after paying my $2500.00 annual deductible being further charged co-insurance payment of 50/50 to $5000.00 in which I have never heard of until after the bills started coming in. Thanks to Mr. Ackerman and Assurant Health I will be negotiating payments to end this mess.

Simply put: Assurant uses Agents to represent them. The agents have no accountability to be honest. The State of Florida and the lawyers I spoke to agree it's very wrong but no laws have been broke? Be careful and learn a new term
Co Insurance Pay 50/50/5000.

Scott

Scott
Ft Lauderdale, Florida
U.S.A.

This report was posted on Ripoff Report on 10/20/2008 08:10 AM and is a permanent record located here: http://www.ripoffreport.com/r/Assurant-Health-And-Its-Agent/Milwaikee-Wisconsin-53201/Assurant-Health-And-Its-Agent-Mislead-by-Assurant-Health-they-pass-the-buck-to-reprentativ-382837. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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0Author 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

I dont think you understand

AUTHOR: Michael74 - (U.S.A.)

1) You say your left knee bothered you a little from mountain biking, and you want to have it looked at... that is PRE EXISTING!!!!!!!!!!!!!!!

2) I'm looking on Assurant's Website and NOPE! They don't sell a single HMO plan.

3) Co-insurance is something in every single Health Insurance Policy. It's a scam if you decide to make it a scam... You choose 50/50 you got 50/50. Maybe your Agent should have told you that or he "miss-lead" you. Not assurant's fault. It's the Agents fault.

4) I wreck my car, the transmission starts sticking... I buy insurance because I want to get my transmission looked at.... I get the insurance without telling them my transmission sticks. I file a claim with my car insurance company to have my transmission fixed. See how it doesn't work?????

5) Assurant Health never knew about your knee either you didn't tell your agent, or your agent didn't tell Assurant, because there would have been a counter offer. Even if Assurant Health knew about your knee they still wouldn't have paid for it.

6) I would assume you are a very passionate person and care for your clients. I assume this because; you hang a sign in your business slandering Assurants name, warning them of the dangers of the evil Co-insurance monster. So please give your clients what is best for them and learn to spell.
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#2 Author of original report

2 questiones answered

AUTHOR: Satchiss - (U.S.A.)

1.
When we reviewed assurant with thier agent I explaiend that I am in great health generaly for a 45 year old, non smoke, works out regurly, but would like to have a plan that allowed me to go to whoever I want. Not an HMO. I also noted that every once in while my left knee bothered me a little and I would like to have it looked at. I mountian bike and still do to date without any repairs. Once I went to the doctor and was sent through a MRI scan I was told I needed a small maniscus tier repaired. I was never diagnosed before that time, nor did I know what a Minicus was till then. Assurant called this "Pre-Existing".

2.
The Co-Insurance clause is a scam, unless someone explains what is is. I never did recieve a policy from Ackerman or Assurant. I have paid all the bills and have a sign hanging in my bussiness stating "Never Trust Assurant"
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#3 Consumer Comment

a couple questions

AUTHOR: Insuranceology - (U.S.A.)

I wanted to know "what" is the pre-existing denial" what pre-existing condition did they say you had ? Did you have issues before with this probelm then decide to get insurance to pay for it? Or did you have a full and 100% clean bill of health then the insurance company just houdini you up some kind of health condition that way to not pay a bill on? from your comment

""Obtaining a different providers policy or just lived with the pain and discomfort, as well as not cut a check every month to Assurant Healthcare""

would have one assume that you had some sort of issue before hand and got insurance under the idea that Assurant would pay for it. I dont work for assurant. and maybe the Insurance Agent just promised the world to you and you thought you would have your pervious "pain and discomfort" handled by them. Even so Assurant health has a system called a (counter-offer) one that you would have to accept in order for your plan to be issued. the counter would require you signing your calling assurant and saying yes you understand the changes to the policy. If you didnt get one of these counter offers then your "pre-exisiting Pain and Discomforts" werent disclosed by either you or or agent.....

overall if you wreck your car (or body in this case) dont switch insurance's and expect them to pay your claim for you.....
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