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  • Report: #260874

Complaint Review: Assurant Health: Rep. Linda Sables

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  • Submitted: Sat, July 14, 2007
  • Updated: Mon, November 12, 2012

  • Reported By:Mount Juliet Tennessee
Assurant Health: Rep. Linda Sables
www.assuranthealth.com Nationwide U.S.A.

Assurant Health And Representative VERY Misleading Make sure you check.... Ripoff Wisconson

*Consumer Comment: So Agree with Complaint Against Assurant Health

*Consumer Suggestion: Linda Sables is Honest, Trustworthy and has the Higest Work Ethic

*Consumer Suggestion: Untrained agent

*Consumer Comment: ASSURANT AGENTS LIE,LIE,LIE!

*Consumer Comment: ASSURANT AGENTS LIE,LIE,LIE!

*Consumer Comment: ASSURANT AGENTS LIE,LIE,LIE!

*Consumer Comment: ASSURANT AGENTS LIE,LIE,LIE!

*Author of original report: Ok...

*REBUTTAL Individual responds: Gary great response

*Consumer Suggestion: RE: Jamie wanting her birth control pills & annual exam insured

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When my husband's company health insurance skyrocketed a while back, I decided to search for an individual plan. My friend gave me the name of an insurance representative named Linda Sables, so I gave her a call. When discussing plans, I told her I primarily needed contraceptive pills covered and my annual women's exam. She said, no problem, and said we could add in a $35 copay for any doctor's visits that way I would only pay $35 for my exam. Well, a few weeks later I went to pick up my birth control prescription and was charged full price, not the $10 we agreed on. I called her, and she said she didn't know why it wasn't discounted and she'd find out. A few days later, she called back and said that she didn't know contraceptive pills weren't covered, even though she told me they would be. Alright, so I'm over that. 4 months later, I go for my annual women's exam, which is Pap Smear and breast exam. I pay the $35 copay at the front office, and think nothing of it. A month later, I get a bill for $94 for the Pap Smear. I called Assurant and they said that they didn't pay for pap smears until a year after your anniversary date. I told them this was never explained to me, and that I payed a copay for nothing. I was mad, and then about a week later I got another bill in the mail for the physician's $110 fee, which they also didn't cover. I am very upset because I was completely mislead by the representative and Assurant Health. I specifically asked for only two things to be covered, and were reassured that there would be no problem. I have paid the company about $800 with my premiums now, and have gotten absolutely nothing paid for. I guess there is nothing I can do, but I just wanted to make sure I got the word out there...

Jamie
Mount Juliet, Tennessee
U.S.A.

This report was posted on Ripoff Report on 07/14/2007 02:19 PM and is a permanent record located here: http://www.ripoffreport.com/r/Assurant-Health-Rep-Linda-Sables/nationwide/Assurant-Health-And-Representative-VERY-Misleading-Make-sure-you-check-Ripoff-Wisconso-260874. 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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REBUTTALS & REPLIES:
0Author 9Consumer 1Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

So Agree with Complaint Against Assurant Health

AUTHOR: Sandy Johnson - (United States of America)

 As I sit here and read all the complaints I sure wish I would have come to this site first. I am having problems with claims ,false statements made by rep, and on and on. Please people if you decide to purchase this insurance I would definitely tape record conversation. I am so mad that I didn't cause now it is his word against mine and guess who is losing. Yes I agree when policy came, I did not read the very fine lines but was going by what my agent said.. So beware.  If anyone has had any good luck with this company please advise how you did it. All I get is run around from one person to another and not getting anywhere. I also had my yearly pap and blood work and now sitting with a bill for 600.00 dollars. Then they say call the advocate, was told we don't pay bills till over 600.00. As others I had excellent insurance and never saw a bill for anything. Due to raising cost I canceled and went to this crap
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#2 Consumer Suggestion

Linda Sables is Honest, Trustworthy and has the Higest Work Ethic

AUTHOR: Terry From Brentwood - (U.S.A.)

I have known Linda Sables personally for a number of years. I have worked with her side by side in the insurance business, and have had the opportunity to be with her on many client presentations for health insurance. She always "over-prepared" with extensive brochures and illustrations for each meeting, and I have never known her to skimp on her time spent with each and every client. I was not present with her on her presentation to Jamie, but I can most assuredly suspect what happened as far as the breakdown of communication between customer and Agent Linda Sables. Knowing Linda as I do, she most likely prepared in detail and showed illustrations for Blue Cross (the most comprehensive and expensive insurance plans) and also Assurant (some of the most cost-effective policies on the market). Each customer has the opportunity to participate in designing their own health plan, and match the benefits to their particular level of premium cost. The lower the premium cost, the fewer "bells and whistles" they are privy to. The premier Blue Cross plans do include doctor's office co-pays, wellness benefit exams within the first year and full prescription benefits. However, many of the cost-effective Assurant plans do allow a wellness exam; but after the first year and have small deductibles on first dollar prescriptions, or no benefits for routine, oral contraceptive birth control pills, etc. You trade a lesser monthly premium for a little more risk, like paying out of pocket for birth control pills. I suspect that after the fact, Jamie got confused with what Linda said about which plan. In the end, the customer gets what they pay for. I know Linda's honest work ethic, and I'm sure she left Jamie with a plan brochure that she selected along with a personalized illustration when she signed her application. The company Brochure would have had the details for Jamie to refer to should she have read it entirely, or had any questions after the fact. I spoke with Linda about discovering this negative mark on her good name, and asked her how long she spent in her appointment with Jamie. She said the appointment lasted over 3 hours, so I know Linda had ample time and opportunity to go over every detail more than once. What surprises me is this - I can't believe that Jamie did not even give Linda the courtesy of a phone call to express her dismay over this situation, but rather resorted to a negative complaint that I discovered accidentally. Many times I've compared 2 or 3 plans with one client, they get confused over the different plan designs they reviewed after I've gone, and have to be reminded of the reason why they chose a less expensive plan...but at least they always call me and give me the opportunity to explain and remind them what they gave up for a lesser priced premium. I suspect that the higher priced Blue Cross plan would have been much more than the $50 extra cost for the birth control pills in premium each month. I just wanted to set the record straight...Linda as the most honest and trustworthy person I know - and has character that is above reproach.
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#3 Consumer Suggestion

Untrained agent

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

Assurant is a top company but an agent can write a bad policy and they do have policies to cover exams the first year and almost no individual plan covers birth control issues but an HSA plan soes allow a tax free savings plan that can. If you do not have faith in your agent, do not buy. Never buy on the phone on the internet, that is a claim waiting to be unpaid.

Ed Curtis
Senior Agent
Atlanta
GA
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#4 Consumer Comment

ASSURANT AGENTS LIE,LIE,LIE!

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

assurant did the same thing to me as the person from mt. juliet tn
They told me my amibent was covered and when i went to fill the script i was charged the full amount.
I also was told by my agent scott settloff of tampa fl oh yes it would be covered!
It was inportant for that drug to be covered.
That Question was asked i was told YES it is covered!
Guess what that agent is no longer there!!
My husband went to the hospital last week the insurance company are trying to say and prove prior for a ear ache.
STAY AWAY FROM ASSURANT AND MEGA!!
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#5 Consumer Comment

ASSURANT AGENTS LIE,LIE,LIE!

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

assurant did the same thing to me as the person from mt. juliet tn
They told me my amibent was covered and when i went to fill the script i was charged the full amount.
I also was told by my agent scott settloff of tampa fl oh yes it would be covered!
It was inportant for that drug to be covered.
That Question was asked i was told YES it is covered!
Guess what that agent is no longer there!!
My husband went to the hospital last week the insurance company are trying to say and prove prior for a ear ache.
STAY AWAY FROM ASSURANT AND MEGA!!
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#6 Consumer Comment

ASSURANT AGENTS LIE,LIE,LIE!

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

assurant did the same thing to me as the person from mt. juliet tn
They told me my amibent was covered and when i went to fill the script i was charged the full amount.
I also was told by my agent scott settloff of tampa fl oh yes it would be covered!
It was inportant for that drug to be covered.
That Question was asked i was told YES it is covered!
Guess what that agent is no longer there!!
My husband went to the hospital last week the insurance company are trying to say and prove prior for a ear ache.
STAY AWAY FROM ASSURANT AND MEGA!!
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#7 Consumer Comment

ASSURANT AGENTS LIE,LIE,LIE!

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

assurant did the same thing to me as the person from mt. juliet tn
They told me my amibent was covered and when i went to fill the script i was charged the full amount.
I also was told by my agent scott settloff of tampa fl oh yes it would be covered!
It was inportant for that drug to be covered.
That Question was asked i was told YES it is covered!
Guess what that agent is no longer there!!
My husband went to the hospital last week the insurance company are trying to say and prove prior for a ear ache.
STAY AWAY FROM ASSURANT AND MEGA!!
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#8 Author of original report

Ok...

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

Ok, so maybe insurance is not for the small things, and I understand that. But when you are told by a person, agent, or company that something is guranteed, and then it is not, it is falsifying information and misleading the consumer. Since the two boys on here only compare to automobile insurance, lets bring it to that level. You go to a car lot to buy a car, and decide that you want a warranty with it. You say that you would like regular things such as oil changes (birth control) and tune-ups (Annual Women's Exams) at a discounted charge and they tell you they will set up a plan just for you that includes these two items specifically mentioned at a discounted rate.

When you go for your first oil change, though, you are charged full price. You tell the mechanic, "I was told by the seller of this warranty that I would get this service at a discounted rate by paying extra on my montly payments," to which the mechanic tells you they know nothing about that and charges you full price. Now, do you hold the mechanic accountable, or the seller?
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#9 REBUTTAL Individual responds

Gary great response

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

The example above used with car insurance is brilliant. Want a low monthly premium and pay nothing at the doctors office? good luck. It is interesting to see that if agent helps a consumer and there is a problem than it is agents fault. If a consumer picks a plan and it does not work the way they though it would, then they just suck it up. That is why if you are an agent make sure that the consumer makes a decision and make it clear that they picked that plan. I would contact attorney if some one was bashing my name online.
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#10 Consumer Suggestion

RE: Jamie wanting her birth control pills & annual exam insured

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

Part of Jamie's problem is failure to understand the nature of insurance. Insurance exists to protect against RISK, not the ROUTINE. Although I agree as a practical matter that it's cheaper to provide birth control than it is to deliver babies, in principle you should buy them yourself. You would be paying more in premium than you would be getting in benefit if you expect those trivial claims to be covered.

The misrepresentation by the agent is another matter, if in fact there was misrepresentation. But then again, did you read either the brochure or your policy?

How much do you think your car insurance would cost if it paid to fill your gas tank, wash your windshield and provide an attendant to buckle your seatbelt for you? That would be silly; we assume responsibility for those routines ourselves. The same should be true of our own bodies.

Aside from removing profit from healthcare, Americans need to assume some responsibility for what they buy.
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