Desjardins Insurance Health Insurance Reviews

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.
STAY AWAY!

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.

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

never pay out set their own rules asked for notes notes not good enogh then targeted my family no one picks up the phone one contact has an answering machine permantently. Thy treat you like scum they think you're trying to scam them but in reality the opposite is true. Why everyone is scared of them I do not know just try to wear you down so you don't even bother claiming and they have your money. I challenged the director at my company to survey their satisfaction with the plan but even he is scared the fix is in. The only way they operate is that they already have your money if they would send you a bill every month like Rogers, Bell etc.. I would have stopped paying months ago. The engage intotally unethical an dillegal behaviour in terms of claims supporting documents etc.. they just try to wear you down. How does a company constantly lose documents you send them It is a full time job to file, follow up and get paid from a claim. COMPLETE DISREGARD FOR THE CUSTOMER TREATS YOU LIKE GARBAGE. They actually denied massage therapy to my 6 year old son who had a prescription from his doctor CLASSY. Keep hidig Desjardins sooner or later you'll ghet caught. I'LL SEE YOUR IN COURT WHERE YOU DO NOT MAKE THE RULES

It has been almost 4 weeks that I submitted my claim for an injury I had 5 weeks ago and when I call them to know what is going on, they basically tell me that they have no way of knowing where my file is because they don't have access to the system and give me an time estimate that changes every time I call.

On top of that, I submitted some additional forms 1 week after I made the claim upon their request and when I call their customer service line they cannot tell me if they received the forms or not. What they told me is that it takes 5 days for the information to get to desjardins and then there is the normal treatment time of "whenever". That has been told to me by many representatives. All I have for proof that the documents where sent is an email confirmation.

Very inhumane treatment... this is my health and not a dishwasher I am buying.

My company group plan ( 1000+ members ) has been with them for 10+ years.
We are switching out of them because they are a nightmare to deal with.

I personally just had a terrible experience with them as they will use any weasley method available to not pay their bills.

Rick