Great-West Life Health Insurance Reviews

My spouse added me to her company plan when I switched to self-employed. Since it was impossible to do so on her online account, we contacted them. I was added. When I attempted a dental claim, the dentist sent it in electronically as usual with my spouse's claims. It went through fine.

Two weeks later we hadn't seen the money. My spouse called and GWL said they had no record of me on her plan and we had to submit a manual paper form for the first claim. My dentist did so, with my spouse's signature and my info on it.

Another week passes, still no money. I finished my dental work, submitted a second claim, and this time it came back saying my coverage was terminated. We called GWL on the spot and the rep said my coverage still wasn't active because they required information such as my relation to her, how long we've been together, etc. We answered all questions and they said everything would be fine.

Three days later we got an email saying the first claim had gone through and money was on the way. About a half hour after that, GWL called to tell us that they required all the info we have given over the phone in writing or my claim wouldn't be active.

Not only are they providing muddy and confusing communications to their clients, it seems they are not communicating with each other. I would never pay for a plan with GWL out of my own pocket.

It seems that when submitting dental claims electronically at the dentist's office, the EDI system that GWL uses is failing to process quite often. This causes the dentist's office to have to mail in the claim creating a delay.

My employer changed benefits provider recently probably to save cost. I wish I had a say. My first claim submitted and it was different than my old provider. They have coordinated benefits that limit you 100% of the eligible expense which is a set limit (not the amount you paid) minus the amount paid by the first plan. My old provider covered my total expense with dual coverage. Great West Life loves to find ways to keep your money from you. If you are looking for a good provider then keep on looking and do not fork out money for this company unless your company is unfortunately paying for them.