Equitable Life of Canada Health Insurance Reviews
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I had to select 1 star as that is the lowest allowed rating. They provide no reason for claims denied. You have to call their claims department. You are not allowed to speak with the Judicator. The 1st level help desk is middle person to the Judicator.
They do not help you with your claims, just send you off on wild gooses chases. They are not here to help. They are here to profit. You are not important. Your checkbook is. Equitable Life are villains.
I will NOT RECOMMEND this insurance, especially their Group Health and Dental Benefit due to:
1.Their booklet does not reflect the full requirement esp with custom made orthotics (please read another review here by dee on 24Jan2017);
2. Don't respect doctors prescription or find the medical judgement unsatisfactory;
3.They issued me a statement stating my condition "does not warrant treatment" though they have not seen, nor assessed my condition - the statement was plainly based on all the paperwork they received.
4. You get what you pay. Before they pay up, they will ask for too much paperwork. They think, our MD's or health service provider can make letters after letters to explain further your need for treatment.
Please avoid or spare your company and your employees complains, embarrassment, headache and grief just avoid this insurance as stay with the big names.
Their policies are a lot worse than those of other insurance policies, for example: 90 days to submit all claims after you terminate (and who wouldn't). Their systems are archaic and when you call in, nobody knows how to direct you properly. Any employer who is using them is simply trying to go 'el cheapo' on their employees. I lost 1500 because of their policies that they did not disclose until it was too late. Frauds.
When I was trying to get my orthotics approved, it was a joke. We went through 3 cycles with Paris Orthotics (the biggest orthotics maker in Vancouver, Canada). They couldn't believe it. Equitable kept rejecting the claim (due to the fact that Paris didn't specify the manufacturing process with enough detail, and I saw the level of detail they prepared! In the end, on the pre-approval form Equitable wouldn't confirm if they will cover the orthotics 'for sure'. Paris Orthotics have been in business for years and never have problems with any Insurance companies. That was until they met Equitable life. In the end, I didn't want to risk $500 so I had my old pair of orthotics fixed (which they didn't cover, at 1/8th of the cost). This was typical. Don't use them, don't buy them.
My son has Equitable Life as an Extended Health Provider. 9 months ago my son was taken off of work because of severe IBS, he has received 3 cheques from these people only, it's now been 4 months and again he has seen nothing. As a family we share the rent, 4 equal payments, my 90 yr old father has been paying my sons share for him, I am on Worksafe benefits myself and since my pay was so low so are my benefits.....we no longer have an emergency fund for rent as its all been used and we are no longer able to subsidize my son. I am paying for everything once again and have now gone to a lawyer because it is affecting my relationship with my father. This company has the worst customer service I have ever witnessed and absolutely no clue how to attend to their own business!!!