Sun Life Health Insurance Reviews

It took them a month and a half to make a decision on my claim. Every time I would call I had a different answer - claim still being reviewed, sent to medical team, they would call me back, etc.... I had open heart surgery due to birth defect. Surgery was done mid Jan 2017. Before I was scheduled to go back to work I developed some complications with fluid going to my heart and lungs. After sending in about 40 pages of medical records, doctor, surgeon and cardiologist notes, their final decision was to deny the claim because " I was not completely immobile the entire time." - I "Started to get better....." This is what their medical team THE SUN LIFE DOCTOR??? decided. God help anyone that needs to go on disability if they are insured with this company. Horrible company and service. Don't know where they find their doctors. - But again their doctors are being paid by Sun Life. A month and a half to make a decision. Something is seriously wrong with that. If you are insured with Sun Life my advise is to change insurers. Lobby to your company and union (as I will do) to make a change. If you are looking for insurance DO NOT GO HERE!!!

This is just some commentary regarding Sun Life, and judging by the 0 and 1 star ratings, I am not alone.

I work with quite a few retired Military people and we all have Sun Life as our secondary insurance. Practically every claim that any of us submits gets denied. I believe they do this to discourage people from submitting claims. They are an absolute disgrace and should be removed.

My rating for them is a BIG 0 Star.

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...

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!!

Sun Life needs the customers to submit documents by mail or fax only. They have claimed that their new App can do it, but I have confirmed that their App actually cannot yet as of 2017. When I did send the original documents by mail, they just claimed that they never got it. They are very frustrating to deal with, especially since my previous employer had another large provider that had used a website to submit all claims with any documents. Sun Life on the other hand cannot accept any documents electronically, demands originals be mailed, and simply loses any mailed-in copies, resulting in denied claims by default since I cannot submit original documents.

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?