Canada Life Health Insurance Reviews

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.

Customer service people never picked up the phone even if I hold it for an hour. After an hour they hang up the phone. This happed to me 6 times.

Do not cover any drugs related to cancer. Denied my stress leave. I have to fight for any and all coverage. A letter for every medication to justify why or if there is another medication he could use. Seriously! Money for nothing. Avoid them at all costs.

This company is an absolute JOKE. I got switched to Canada Life as my benefits provider back in January as part of my company “merger” aka taking over from my previous one, right from the get-go I knew it was a worse plan than the one I had previously as all my coverages were 80-90% for dental and prescription as opposed to the 100% I had before, although my premiums stayed exactly the same… What really drove the nail in the coffin for me was having to submit a claim not once, not twice, but 3 TIMES to get them to pay it as their online submission forms obviously don’t work, I would submit it all and nothing would register in my queue, my 3rd attempt I actually had to call in and email one of their service agents directly with my forms and that meant being on hold 2 HOURS with these guys just to get through, I don’t have the time or the patience for this kind of garbage customer service. I pay a fair chunk of change for my benefits and these guys can’t even offer timely or satisfactory service for a claim or a dang phone call. 6 months in with Canada Life after having my previous benefits with another company for 9 years and It’s not even a competition of who offered the better service cause Canada Life is terrible.

Waiting 2 weeks to get a claim from the ortho processed.
Compliance is a mess.

I absolutely hate this company Canada Life. Not one time ever when having to deal with an issue were representatives helpful, they don't care about anything but taking your money. They will do anything in their power to avoid paying your claims.
Here is my story... I recently started a new job where Canada Life is my benefits provider. I have 100% coverage through my plan for prescription drugs plus not that I need it my wife has 80% coverage through her benefits provider. Anyways went to use my benefits for the first time, my pharmacy went to submit my drug claims for the diabetes medications I had 4 prescriptions, they covered 2 of them partially, the cheaper ones and then my other 2 they didn't cover at all. Apparently, they need further information before covering anything. What the hell??? I pay through my teeth for my benefits. They are telling me they want to see what my Manitoba Pharmacare deductible is and won't cover my meds until they get this information. Why does this matter? First of all my Manitoba Pharmacare deductible is around $7000 for the year, I come nowhere near spending $7000 in a year on medication, even if I did my insurance wouldn't even be billed because once you meet your deductible Manitoba Pharmacare pays for your drugs I would pay nothing for them nor would Canada Life as my Pharmacy would see my deductible of $7000 was met and wouldn't bill Canada Life. What an absolute unnecessary waste of time this is it's completely unnecessary and irrelevant. It's just Canada Life doing everything in their power trying to avoid having to pay for my drugs however I still pay Canada Life for my premiums through my teeth, through my employer's payroll deduction, they take your money with no problems though.
God in heaven helps you if you ever need to call their call center to speak to a representative. I wasted my 1-hour lunch break at work today trying to talk to a representative to no avail only to be on hold for 55 minutes holding for the next one and I had to hang up after wasting an hour waiting for help because I had to get back to work. I was so angry. That is a wait time that is absolutely ludicrous and unacceptable. That is not Customer Service. I work 8 am to 5 pm daily, if I can't talk to someone on my lunch break that is an hour-long what the heck am I to do to talk to a representative. Do I need to take a day's holiday off from work just to be on hold for 3 hours to try and get to speak to someone??? This is pathetic! You should not be on hold for any more than 5 to 10 minutes top. This is a serious problem for Canada Life! Don't believe me about the wait times call them yourself and see. Hire more representatives because whatever you are doing Canada Life is not working and is absolutely maddening to me as a customer but it will all just fall on deaf ears as this Company doesn't care a worth spit for its Customers.