Canada Life Health Insurance Reviews

Canada Life took over the public service healthcare plan on July 1 and since that time my pharmacy is unable to process a claim for me. Calls to Canada Life just leaf to a notice saying they’re too busy to answer the phone, the online chat function simply times out, and after submitting an email question I get a blanket response simply blaming the pharmacy for my specific problem (which the pharmacy has confirmed rice now is not accurate).

They have provided our dental coverage for years now, so it’s not like taking over the health component should be a surprise for Canada Life. There is no excuse for the inability to transition over, or at least have the people available to address the issues that arise.

If you are not forced to move to Canada Life, I certainly would not suggest doing so based on your own choice.

File transfers from the previous company to Canada Life are incomplete, only my first initial was received by Canada Life, they refuse to correct it before July 1st, now it’s the 13th + no agents available at the toll-free dedicated line for federal employees. Their regular telephone line gets us an agent to speak with, however, they are unable to do anything for us + keep transferring to other queues which have 45 -60 minute hold times. Some people are being told 12 business days for any corrections to be done. In the meantime, 1000s of $ retirees will have to pay just for prescriptions not to mention dental fees. Their website + their app does not function either, even if you can log in the website gives corrupt file errors for all jpeg files that are submitted. No one to talk to + no end in sight!

Very disappointed with this insurance for major dental claims you have to wait weeks to be processed

They didn’t pay my claim for months. I had to keep calling and finally got a nice representative. He forwarded my claim details and they only paid a disrespectful amount. I’m 80% covered and they gave me 20%!

Since April 2023, I have been calling as a new enrolment for the PSHCP, and what poor customer service. First I called to change my email address and was told to call back in May after being transferred to 3 different queues! Today I called on May 16, 2023, to be informed that nothing can be done over the phone and to expect a return call within 24 to 48 hours. Apparently, nobody there is competent enough to solve my issue right away resetting my password! What a waste of time and this is so frustrating. Hopefully, this will be resolved by July!

IF I COULD GIVE ZERO I WOULD!
Time after time, year after year having to deal with this company for health insurance claims is absolutely terrible! Their agents you speak to are useless and their denial rates are atrocious. The money this company makes and they deny claims and change rules and makeup or don’t even read submissions properly. I often wonder who works here, as they “misread” claims all the time. I wish my company did not have Canada Life as Benefit. Spend hours trying to please them and endless amounts of paperwork. Denied orthotics all the time, even though send in all the pages of paperwork required, suddenly new rules and new paperwork needed. Have even been preapproved only to be denied when submitted for money. The knee brace was denied because the family doctor prescribed an ACL tear, but the orthopedic surgeon wrote on their forms surgery was done for ACL, so they deny the claim as the doctors don’t “match”??? Ridiculous & the most frustrating company EVER! I could go on & on with numerous examples. Don’t use this company if you don’t have to!!!

As a pensioner. Have to wait weeks for return cash. Draining for us and very little reward for dental. Always 0% coverage or very little 5K for dental UT 150 for me? Now I am sick. 3-hour wait on the phone? The government controls these people.

The representatives are not knowledgeable and you get a different answers from different people. Covered claims are frequently rejected and the logic used is mind-boggling. Know your plan in and out so you can challenge them. Once you appeal, understand you are in an arduous and timely process. And these are for covered costs. Logic took a vacation with their staff and the level of dissatisfaction from plan holders is across the board bad. They manually process claims and delays in payments are the norm. If you want unhappy employees then Canada Life is your provider

The worst among all the group Insurance our company ever had! Waiting time is crazy. The claim is under review for months!

They take forever to process anything, their website is horrible, and their customer service is non-existent. I have called twice in the last week and been on hold for over an hour each time and then they just tell you they can't solve your problem and they will escalate and someone will call you in 2 business days but they never do. I genuinely don't understand what the point of their customer service team is if they have to escalate everything.