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!!!
Equitable Life of Canada Health Insurance Reviews
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I tore all of the ligaments in my ankle and my healing process has been going slower than expected so the doctor prescribed me a TENS machine and compression socks. They first rejected the TENS machine until I submitted more information, then they only decided to cover part of the cost after being off work for 3 months for the injury and a wife on maternity leave, I could not afford to pay the remaining costs, they did not cover potentially slowing my recovery even more. In order to have things covered, I would have to submit an estimate first have it reviewed and then, go out an purchase if they were to cover the unit, if not I am back at square one. At this point, I am very disappointed with the process and coverage received. They couldn't answer me if the compression socks would be fully covered either even though it would be within my limits of coverage for both items. Their motto should be screw you over and make you jump through hoops enough so we don't have to pay claims.
Beware! The Policy Booklet states that they will pay 50% for the crowns up to the maximum annual allowed. Had 5 crowns to do, so they REFUSED to pay because they say that if it's 4 crowns or more, they will only pay the amount allowed for a partial denture! This exception isn't even in the booklet! They ended up paying only 25%. Lost more than 500$.
No transparency in the claim process. They do everything in their power to nickel and dime you.
They reject everything and make you fight to get your money back from them. They won't even contact you if they need more info, they will just reject and make you start from square one and drag the process out and do whatever they can to not pay you. Be prepared to fight for your money with this useless, thieving company.
I purchased Health Insurance (medication) after losing my job in July 2017. I received a letter from Equitable Life stating I could continue coverage if purchased within the first 3 months of being laid off. I called and spoke with agent and finally decided to purchase insurance as I needed it for heart and diabetes medication. I ask the agent what it would cover and the agent told me that coverage would continue "as it was" with former employer. So I agreed to purchase for $146 per month. After about 4 months I was told by my pharmacist that my limit had been reached for the year when trying to get my medication. I called Equitable Life to inquire what was going on. The agent I spoke to then said to me that I had a $1100 "cap" for the year in which I was NEVER TOLD when I purchased. After phone calls back and forth with a few different managers, I was told that I should have basically had "read the fine print" before purchasing. I even told the manager why would I spend almost $1800 a year to get $1100 in coverage? She "denied" that I was never told. In any case, it was never resolved and I cancelled immediately. This is by far the worst company to deal with and would not recommend to anyone. Lowest star rating was 1, but I actually give this company a -5 star rating. Avoid, Avoid, AVOID
Our plan was previously with green shield never had any issues with them. Got my orthotics for my work boots as I usually do every year this year my claim was denied. They told me even with my prescription they do not cover orthotics for flat feet I asked what they do cover orthotics for and they refused to tell me. I spoke to two different agents on different days both would not tell me what medical conditions were covered by my insurance pertaining to orthotics. I asked for this policy in an email to show my plan administrator we’ll see if that email ever comes through. Really disappointed. They send out paper benefits cards cheap from first impression to last.
I had health insurance with this company and it has been the worst experience ever. These people took money for a coverage for more than one year and when I finally called to use my coverage, I was informed that I did not have a coverage with the company due to having residents coverage elsewhere. Entirely false: that was the only coverage I had. So I went on to ask the customer service rep why take my money then provide no service and blatant reply was... I should go ask my employer. I have requested getting my money back because this is the highest level of fraud, leading a customer to believe there was a service provided when that was not the case. So many questions are rumbling through me... what if I was seriously injured or sick, and I thought I had coverage paid for????? These people are the scum of the earth, words can't describe how disgusting they are. I have seen the matter with them and the only thing I was told is that I should try to send in a claim form for whatever I did in the past. They are just trying to cover their track because they are so wrong. And at this point that can't help me, when I needed the service, it was not there and those people already let the cat out of the bag. I need my money, you people are thieves. I would encourage anyone with a plan to use it often so they can't scam you and make sure to keep detailed logs of when you call service reps because they will hide the call logs. And I definitely recommend everyone to find a different insurance company because this one doesn't like to pay out... only to collect.
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 have been insured with Equitable Life for over 5 years. Having a small company I look to take care of my employees providing them with the best benefits and insurer. Over the years (past 20 years) we've been with all of the big Canadian companies (Sun Life, Manulife, Great West Life) and they were all ok but from a customer service standpoint, Equitable Life call centre representatives are the most knowledgeable and actually seem to care when one of my employees phone's in.
They also have the best (and easiest) ways to send in claims over their website and through my iPhone.
Would highly recommend this company.