Sun Life Health Insurance Reviews

Biggest scam! They got 25 years of my payments and denied my policy at the age of 56.

I see so many complaints here and on other forums but clearly, they don't care. They do not want to pay their customers. Deny claims at any cost. Claimed for a pair of prescription glasses and they denied saying the seller we bought glasses from is barred and they expect us to know this. No notifications from their side considering I have an app and I received numerous notifications from them. After I complained they said it's not their fault it's the seller who is a fraud. Worst customer service. How can they blame the seller who is cheating us by not telling when they are doing the same thing.

Where does one begin? Their customer service is completely unorganized and unprofessional. Oh, and they are total crooks. I was informed by an agent something (big) was covered and when I tried to submit it was denied and three months later they have not addressed my questions. And their technology is seriously lacking and behind other providers. I’ve used other providers and while they are all the same to an extent, none are as grimy as these guys.

So, I decided to apply for Sun Life since my employer had it before with us and since we got laid off I thought it would be a nice thing to continue... But I was wrong I wish I could give them negative stars! Not only did it take 2 months and they promised me several times I could continue it with my plan. Once all the paperwork was signed they took back almost everything they previous said over about 15-hours of phone time in 2 months just so that after I sign the last page they can tell me - "oh, no, you can't continue your previous plan and now you have to wait 4 months before we give you benefits... So, yes, you can say Sun Life doesn't care about anything besides their income!

Encore difficile de faire quelque chose qui devrait être super facile. La lois pour les médicaments est facile; tu est assure avec le prive ( et c est complique pour toi ) ou avec le gouvernement et la pharmacie fait tout pour toi. En ce moment je dois passer des longues heures a gérer une simple réclamation qui avant de payer 2, 200$ par année d assurance me prenait 5 minutes en pharmacie.

Got stuck with 300 dollar bills because of a hidden and vague disclaimer which apparently did not cover the procedure. Very sneaky.

Each time I made a claim, I called before to ensure I was aware of how much I would be covered for vision, dental etc. I was told that 100% of my personal benefits would be covered in some cases, while others would be 80%, in accordance with my plan. I also made sure to check my mobile app and review the same information provided by the customer service line. Each time they reviewed my plan there was always less coverage and when I followed up with the claims, there was always an excuse as to why I wasn't given the full amount. Horrible service. Please do not invest your money.

Avoid this company!! The wordings in their insurance terms is the worst I've ever seen, most misleading and doesn't make sense.

I have SunLife dental through work. Visited my dentist and received a bill, so I called SunLife to ask what is up. Was told my dentist was out-of-network even though online he is listed as in-network. They claimed the website is not kept up to date and that I should call to verify network participation before being seen. So then I ask why my cleaning was not covered 100% even though my benefits list 100% coverage for both in and out of network for cleanings. I was told there is a maximum amount they cover, but they did not know where that number came from, only that it is printed on the explanation of benefits, and that I can always have the dentist pre-authorize work to have a complete understanding of what charges will be. So now for every dental visit, I am expected to call SunLife to verify dentist participation and then have my dentist pre-auth the work being done. What kind of chaos is that...

I am in the processing of electing new dental coverage through a new employer and Sun Life is the only option available for me. In order to ensure the basis of coverage for In network and OON since they are listed as the same coverage amounts, I called Sun Life to ask some basic questions pertaining directly to that. The specific question was about TYPE III level services such as in my case a crown I will need. The plan states that it covers up to 50% of annual maximum regardless of the provider being in or out of network. Based on what my dental office stated they could potentially submit charges that would result in not a full 50% being paid. The office did not include or exclude any provider on the basis of network which didn't help me answer my question. My next step was to ask Sun Life directly how that would work, the basic question being does Sun Life pay the 50% on their end before I pay my remaining 50%. The associate at first handled the question well by telling me what my dental office told me which was to get a predetermination once I was insured. She eluded to "coding" in the office potentially excluding coverage but didn't specifically state that it wouldn't be covered. I asked if they were contracted amounts and how that was enforced when handling billing for OON providers. Once I asked this and pushed the topic further she told me she could not discuss anything regarding coverage since I am not a customer. What this said to me was that Sun Life didn't want to answer my questions specifically to ensure my satisfaction as a potential future customer. There was nothing wrong with what I asked and I was prevented from asking for further information about it. I then asked for a supervisor and she insisted that I could only receive a call back. I insisted back to wait on hold to speak to them. 3 times during that exchange, after I asked for a supervisor, she said she couldn't hear what I was saying based on it being "muffled". After I asked her name she then asked for my name, becoming authoritative as if she felt attacked by me for asking questions and requesting a supervisor. I waited patiently on hold and she returned within 1-2 minutes stating there was no supervisor available. I left the call in frustration. It is extremely concerning how some providers operate, such as Sun Life. Based on customer service, I can confidently say that her approach and response to my questions and denial of allowing a supervisor to intervene shows that if you are able to avoid this company for dental coverage then you should. No one should be treated with disdain for asking basic questions regarding coverage and expecting clear answers.