Assurant Health Nonpayment of claims/lied about type of insurance Milwaukee Wisconsin

Assurant Health Insurance is nothing but a ripoff.  First, the agent lied about what coverage I had.  I knew they only paid 1 ER visit per year per insured, but when my daughter was in the ER for Kidney Stones it took over a year (14 months to be exact) to process the claim because they "never received records" or "records were not what they requested."  Subsequently, she had another ER visit during this process, which I knew would not be paid as it was her 2nd visit. 

After 14 months, which required my daughter and I to physically pick up records and mail them (certified and receipt requested), they denied all claims which equal over $5000.  Reason???   This was her 2nd ER visit.  They paid $150 on the 2nd claim as they said that bill came in first. 

Of course, I cannot prove when they received the bills, but as they were over 1 month apart, it is obvious that the 2nd claim did not get billed first.

This company is a total rip off.  DO NOT EVER PROCURE SERVICES THROUGH THESE PEOPLE.