Medova Health Insurance Plans Too much money for nothing Witchita Kansas

My employer seems to have been sucked into the Medova system.  Everyone is having problems with the carrier.

The coverage terms in the sketchy power points they provided does not discuss coverage/limitations.  It talks about deductibles, employee contributions etc.   Essentially all Primary Care MD's should be $30 co-pay, Specialists $50 co-pay.  There is coverage for labs and x-rays, but they won't disclose if that is a co-pay or part of the diagnostic.  

The company refuses to provide coverage, exclusions, and/or limitations under the policy.  They keep sending emails about wanting you to get dental work done, but they don't know if it is covered????  Then they say if you go to dentist I can get a gift card for $10 to the Bath Shop or Yankee Candles.  It makes no sense.

I called them up to ask for help finding an in-network physician.  They did not have any listed on the website.  They sent me list after I called them but the 6 physician choices they sent... are no longer with Medova due to poor payment of claims and/or not taking new patients.

After straining my back while spring cleaning, the carrier .. unable to find a primary care physician sent me to an Urgent Care Center promising it would be covered and my co-pay would be $50.  I receive a letter denying the claim where they claim to have evidence I was not spring cleaning when I twisted my back and that I was injured in a motor vehicle accident or I hurt myself at work.  

Sounds like they are grasping at straws with claim avoidance.  

I had an old pre-existing issue that required E-Pat and Physical therapy.  When they said it wasn't covered, I ate the cost ($1,600) for treatment paying out of pocket because it was pre-existing.  Who ever heard of a policy that doesn't cover at least 12 or 24 visits annually?  

I know that my employer pays $300 per person for the coverage and I am still paying $63 a week, but they don't cover anything.  

Crappiest insurance ever.