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Report: #1299897

Complaint Review: Constitution Life Medicare Supplement - Pensacola Florida

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  • Reported By: Jan — Enola Pennsylvania USA
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  • Constitution Life Medicare Supplement P>O> Box 130 Pensacola, Florida USA

Constitution Life Medicare Supplement WOW IS THIS PLACE A RIPOFF and once you are in it; you may spend years trying to wake up from this nightmare. Pensacola Florida

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The premium starts out real attractive and then quickly goes up yearly by LARGE amounts many times without any notice to you, the insured. You Medicare Supplement Company - Incredibly Bad Place 

Constitution Life Insurance Company and their Medicare Supplement policy is really only for those who have no medical/health issues at all.  The premiums start out very reasonable and go up in large amounts without notice on a frequent basis.  They will also encourage you to allow them to "bill" your checking account for the premium which seems a good idea so it will never be late; HOWEVER, there will come a time when they start billing your account at all different dates during the month and more than once even if you are not behind in premiums.  When you telephone them, they will admit you have a grace period while YOU prove to them you are not behind in premiums, but they don't like allowing you the grace period.  While I type this I have been on hold for TWO HOURS 57 MINUTES!!! ...THOUGH as you can see I have found something to occupy my time.  Also even if you wish to make an extra payment just in case until you prove your previous payments, if they want you off their rolls of insured persons, they will make it extremely difficult for you to pay any "extra" payment so you end up in a catch 22 situation.  Be prepared for them to take months to send you a printout of when and how much they have received from you in premiums (still on hold...LOL) and so they continue to hit up your checking account over and over costing you overdraft fees when in fact you are not behind in payments at all.  When it comes to this insurance, I feel like I am stuck in a nightmare. I cannot switch unless I am behind in premiums (according to my state law) and yet if I actually get behind in premiums, I could potentially run into an enormous 20% charge of what my regular Medicare Plan does not cover!!! 

This report was posted on Ripoff Report on 04/15/2016 08:35 AM and is a permanent record located here: https://www.ripoffreport.com/reports/constitution-life-medicare-supplement/pensacola-florida-32591/constitution-life-medicare-supplement-wow-is-this-place-a-ripoff-and-once-you-are-in-it-1299897. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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