Sun Life Health Insurance Reviews

If your employer offers you this insurance either refuse it or see if they are willing to look into other insurance companies. I have 100% on prescriptions, but today I have spent over an hour in my pharmacy trying to find out if an IUD is covered by my benefits. It got to the point that my pharmacist had to sit on the phone and firstly explain what an IUD was and that there were non-hormonal and hormonal ones. .. He had to explain multiple times that because it was not hormonal it did not have a drug identification number. They attempted multiple times to tell me to just pay for the item and submit a claim to see if it was covered but luckily my pharmacist stood his ground and made Sun Life search their systems until they found the item (which they had previously told us either didn't exist or was too new and so wasn't in their system). In the end I was told that the item was not covered (which is frustrating) but I was told still to attempt to submit a claim, so it it covered or not?!
My pharmacist told me that he has made claims with Alberta Blue Cross and other companies for this IUD without any trouble. I don't know why I was surprised since every other medical claim I've made in the last year has been 'randomly' selected for auditing. AVOID AVOID AVOID

I'm covered under group coverage through work, and there have been two times where they have denied dental coverage. First, my son had to go to a dental specialist (although is someone who provides similar dental services), and they said it wasn't covered, so they provided a 'similar' fee guide for services performed - which ended up being about 35% lower. Second, I paid $3400 for a dental surgery /services and the first part was put to my wife's benefit provider (also Sun Life), which ended up getting paid, but then, although my information for coverage was also on the form, they did not pay my portion. They told me I had to re-submit... which I did about 100 days later and they denied it saying it was beyond my plan's time limits. 90 days? Even though on the first submission everything was there. Enough said.... if you're thinking about going with a particular provider, well, you know what you should do...

I attempted to cancel my insurance policy through Sun Life in July of 2016. I sent in all of the appropriate forms immediately, and was told that would be enough to cancel my payments. Shame on me for not looking at my bank statements close enough, but I noticed in October that payments were still being made for the account that I cancelled. I attempted to contact Sun Life to resolve this, but they have not responded to my emails. Eventually I had to pay a service fee through my bank to cancel payments to Sun Life, since Sun Life appears to be unwilling to cancel my payments on their end. Do not sign up for anything with Sun Life, ever for any reason. They are a crooked company.

Sun Life became the worst Insurance Company ever. Each Claim is a subject for investigation. Investigators are rude. Demanding to provide personal information protected by Personal Health Information Protection Act 2004. They harass and intimidate Service Providers (Massage Therapists, Chiropractors, etc) , demand Clinical Notes , record conversation without written Consent, provide third parties ( contractors) with the confidential and sensitive information.
Attention employers : if You would like to provide your employees with real extended health benefits they need and pay for - stay away from Sun Life Financials.

EVERY time I submit a claim for a medical expense, they respond a week later that they don't like the wording of the doctors prescription, I often have to make 2 or 3 more visits to the the doctor for the sole reason of having him re-write notes... And even if he writes exactly what they ask, they deny it again, or then claim that there is something wrong with the receipt. It ends up taking me a month to get my money back and non-stop running around to jump thru ridiculous hoops that they seem to change on the fly. Judging my the other reviews this seems to be what they do to everyone.... What a terrible strain on our medical system making people go back to their doctors 2 and 3 times simply because this ridiculous company likes to stall on paying by demanding prescriptions and doctors notes be worded slightly different!!

Don't choose Sun Life. Very bad company. Sun Life collects money and tries to save on their expenses. I am working in health practitioner association and our association has many complaints from Sun Life members and their customers.

I used to be able to submit claims online through their terrible website. Now the website is even worse, as they have taken away that ability. The only option now it to submit a freaking paper claim. What century is this again???

Sun Life is absolutely horrible.
I am submitting claims very fast, with the proof of payment and they intentionally delay the payment.
I have been audited this year on December 29, 2016 for a claim submitted on Dec. 19, 2016. The e-mail sent to me was again, delayed, and sent on Fridaym Dec. 30, 2016 asking for the proof of payment. They claim they did not receive my envelope. How untruthful! I've send tons of envelopes and the only one that did not reach destination was the one sent to Sun Life? In 10 days?!
It is possible to get under control this intentional delay practice?

I provide a brief summary, as the various hoops I have had to jump through are many and mundane.

The company I work for transferred from a very solid and professional drug insurance firm to the godawful Sun Life Financial. Even though their presentations promised a smooth transfer, come first trip to the pharmacy after cut over day, find out that medication needs to be pre-approved prior to being filled. My medication is time dependent, so I had no choice but to pay out of pocket for the drugs. Then I had to chase my doctor for them to fill out forms again justifying the use of the drug and send to SLF. Doctor completed, the forms and faxed through. (What a waste of time for the doctor?!) I called SLF to confirm that everything was good and that I could submit my out of pocket claim and also on my next trip to the pharmacy would be without incident. I was promised everything was fine, a letter was received confirming my drug coverage. I arrived at the pharmacy - same thing. Refused by insurer. A call to the SLF resulted in being transferred 3 times over 45 minutes, about half as many times as I was offered to use their website to check my status - an obvious and painful delaying tactic, do they think people will give up and actually try their website? Its BS - does nothing, not customer interaction can be achieved from the site. I was eventually told the drug ID number they had on record was wrong and I would need my doctor to resend the drug approval - also I was told this was my fault? Turns out the drug has a different number in their system and the doctor and I should have known this and provided it. I am now two months out of pocket with my first paper claim rejected and back to square one. A very unsatisfactory company. Medical insurance companies are vampires to the system anyways, but Sun Life Financial are turning it into an art form.

I have been patiently waiting.....and waiting.....and waiting........and......
First you deny my claim ,then when I ask for reason you cannot give me one.
The same claim breezed through on Blue Cross on my wife's coverage where she works part time! Then you asked me to get doctorrs referral and fax it "special to Jen" on the phone after a couple of weeks ,I was notified it was being "processed" the first thing in the morning Over 10 days ago If it takes that long to process one claim some heads need to roll. My health dwindles while I wait. Remember health?? It's supposed to be HEALTH insurance.
Once again it shows the simplicity and superiority of Bue Cross insurance over Sun Life.
Every where I go ....Blue Cross we'll process that no need to do a thing.....Sun Life your on your own, pay up front and see if you can get the money back.