• Report: #283815

Complaint Review: AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS

  • Submitted: Thu, November 08, 2007
  • Updated: Tue, May 06, 2008

  • Reported By:Chicago Illinois
AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS
PO. BX.1520 GALVESTON, Texas U.S.A.

American National Life Insurance Company Of Texas MISLEADING HEALTH INSURANCE POLICY RIP OFF GALVESTON Texas

*Consumer Comment: American National Vanashing Deductible

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Beware of misleading policy especially to cancer patients! I am writing this in hopes of saving anyone from our experience with this company.

Purchased policy over 6 yrs ago, catastrophic with ten thousand deductible, paid extra for coverage to include chemo and radiation treatments for cancer. Our policy does not cover any outpatient services, however coverage for day surgery in a medical facility with hospital. Every year you do not make a claim your deductible goes down and we thought our claims would be better at now 2500 deductible we had reached. We had no cooperation from the beginning claims with comments denying claims that we had surgery done in a doctors office..this is state of the art new hosptial with cancer clinic.

Next it was another 10% off from anything paid stating our hospital charged more than others in the area. Due to the fact I had a lumpectomy done for breast cancer, with prechemo done before surgery to shrink tumor..this was outpatient surgery..they denied all claims for my chemo and radiation treatments.

We now sit with 100,ooo in medical bills. Also because we are now living in another state, after seeking help and sending info to the state commisioner, which did absolutely nothing, sent it to Texas commisioner and we recieved a letter from the insurance company telling us why it was not covered again. We attempted a couple attorneys and they did not want to deal with it out of state...or possibly not enough money to pursue? So we hope all you folks out there will go through your policys and catch their loopholes for cancer treatments.

When you think are covered for cancer no matter if you have your surgery overnight stay in-hospital or not! Rarely is any lumpectomy now done as overnight, as well as some masectomys. We even tried to stay overnight but were told that would be fraudulant. Cancer is hard enough to endure but to be treating people like this, during all of it was heartless to say the least. As well as what we now are dealing with.

Leah marie
Chicago, Illinois
U.S.A.

This report was posted on Ripoff Report on 11/08/2007 10:26 PM and is a permanent record located here: http://www.ripoffreport.com/r/AMERICAN-NATIONAL-LIFE-INSURANCE-COMPANY-OF-TEXAS/GALVESTON-Texas-77553/American-National-Life-Insurance-Company-Of-Texas-MISLEADING-HEALTH-INSURANCE-POLICY-RIP-O-283815. 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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#1 Consumer Comment

American National Vanashing Deductible

AUTHOR: Insurance Guy - (U.S.A.)

As a licensed representative of American National, I am sorry to read your report. This company has been in business for over 100 years and has an A Excellent rating. These things are not accomplished by denying legitimate claims. I do not want to get into specifics of your illness but I do want to point out the Vanishing Deductible feature. It is only applicible on policies that have a deductible of $5,000 or less. Because your deductible was $10,000, you were never eligible for this feature. It is spelled out in the "Outline of Coverage" and in the policy. I wish you the best in your recovery.
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