Desjardins Insurance Health Insurance Reviews
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I think this is the worst insurance company I have ever dealt with. Please, for people who are reading this review right now. Don't listen to other people, even if they offer a cheaper rate. They will try everything not to accept your claim. Their reasoning is non-sense even if you provided all the information they need to process the claim. So if you are with this company for a cheaper rate, switch it right now because when you need help, they won't even put an effort to help you.
Weak search and display design. Hard to get/find info. They don't want the customer knowing how much they have left to spend on their health care! Just plain dishonest. Typical - no integrity!
Just follow these easy steps to claim your $200.00 towards $400 orthopedics: From your physician/healthcare professional: 1. Original recommendation/referral from the physician or authorized healthcare professionals, including the diagnosis that determined that the foot orthotics or orthopedic shoes were necessary. The orthotics or shoes must be prescribed before you buy them, and the recommendation/referral must be recent for the expenses to be eligible. From the supplier: 2. Original receipt with the provider’s name and address, date the provider received the foot orthotics or orthopedic shoes, patient’s name and cost breakdown. 3. The date you picked up your orthotics or orthopedic shoes. 4. Confirmation that the orthotics or orthopedic shoes have been paid for in full. 5. Copies of the biomedical exam results and gait analysis results, both dated and signed by the healthcare professional. Note: The examination must be performed by a healthcare professional who is a member in good standing of a provincial or Canadian professional association recognized by Desjardins Insurance. The examination must be within the scope of the professional’s abilities and recognized field, and it must have been performed by the specialist identified on the receipt. 6. Complete description of the process used to create the foot orthotics or orthopedic shoes, including the casting technique and the raw material used. Only techniques using a three-dimensional (3-D) image or unique 3-D cast impression of the feet using a raw material are eligible. 7. A copy of the manufacturing lab’s invoice with: patient’s name, qualifications/credentials, including name, address and telephone number of the laboratory, date the provider placed the order and the date it was delivered to the provider, type of orthotics for footwear modification claims, a receipt detailing the cost of the modifications is required, along with the documents listed above. Once you've done all this just fax it all to them and wait for them to decide if they are going to pay it or request further documentation to support your claim. My employer used to use Great West and it was great. EVERYBODY I talk to at work HATES Desjardins.
They take your money no problem but don't want to pay out. They will look for ANY excuse. It doesn't even matter if your doctor fights for you. They don't care if you can't work or pay your bills. Good luck to anyone who deals with this company. Or maybe it's all insurance companies I don't know. It's just disgusting.
This is the worst insurance on this planet. It takes at least almost an hour to get a hold of the CSR. Also, the CSRs are very rude and not ready to help.
The issue first started when they did not fully reimburse my 90 mins massage. I had to call in and explain this was a 90 min massage and not a 60. They reimbursed me after I called in. A Typical Chiropractor bill for me is between $145-170/session. There are multiple treatments per session. - Adjustment - Acupuncture - Gastron - Laser - Shockwave. They say you are only allowed to receive a maximum $70/session even though the claim I made is $145-$170. How does this make any sense?? You claim $145 and they give you only $70?? I even spoke to the people at my chiropractor office and they said that does not make sense. If I have a limit of $500, then I should be able to use all that up. I will be inquiring about a different health care provider.
Waited 4 months just to get our policy after doing our questionnaire which is ridiculous. Tried giving them the benefit of the doubt and they are still messing up hardcore. Submitted a claim a month and a half ago and still haven’t gotten reimbursed. This company is a joke.
Getting a claim from this place is a nightmare. Whenever u call them, they tell you that you need to wait another 5 days. Now it’s almost a month and still nothing has been processed. They keep telling me to wait 5 more business days Rate 0/10
A few days ago, I tried to make an insurance claim through my group insurance plan (it is given to me via my workplace) therefore, as per instruction, I need to open a web account. However, when I tried to use my log in information, I found it wasn't working. I double and triple-checked all of my information, used my old passwords, and even tried to use the forgot you User ID Feature. However, none of these worked. So, when I finally decided to call them, I found that they only had their phone services open for Mon. to Fri. , and even then only from 9AM to 5PM they have their only customer service times directly on work hours, which seems like they are running away. What this company needs isn't a customer service line done by people, what they need is a customer service done via email to retrieve your forgotten passwords or information. Their customer service needs better hours like evenings, and weekends for better management and customers can make their claims,
Our company moved to Desjardins. The coverage looks good from the outside, but they will use absolutely any excuse to not pay out. Don't waste your money...