Empire Life Health Insurance Reviews

My husband has company benefits with Empire. I submitted a claim after my son's first dental appointment that came back denied. I called to learn about why it was denied, and they do not pay for dental appointments for children under two. Children are supposed to start going to the dentist by one year old and go every six months just like adults. I called back my son's dentist to pay out of pocket and told them what the Empire told me. The dental office had never heard of an insurance company that doesn't pay for children's dental appointments before the age of two. I am back to work now, so thankfully I am with another insurance company and I know the next appointment will be covered. I gave them a two as the lady I talked to was very pleasant. She is a mother who agrees that this policy is stupid.

Their coverage is mediocre, you have to make sure your provider is registered with the right credentials. Even if you find them on their search box in Empire Life website, it doesn't mean they're registered. It's means someone logged the provider info in their system, but Empire Life doesn't clear the information even if it's wrong.

Therefore the only way to find your provider registry, is to go to the official website (i.e. RMT, for massage), and search a list of providers there.

Many times I found myself paying a lot more on the service I used. Empire Life normally refund a percentage, ranging from 40% to 70%. You just have to pray for the reviewer not to tag you enough excuses not to reimburse you the amount (it's never 100%, always below 70%. Quite Random sometimes).

Customer service is not great too. They reply after a couple of days via email, but never answer your questions properly.

Pretty awful to be honest.