Health insurance Reviews

Sun Life Health Insurance Reviews

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(155 reviews)
Sun Life
1.2 out of 5 stars:
Customer service:
Value for Money:
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Jardiance coverage denied

by Bobby Joe Chuck on Jan 11, 2024
1.5 out of 5 stars

Called their suport line, to get a poorly trained rep who gave incorrect information and basically wanted to just get through the call, and not research the issue with the claim rejection. This person advised I needed to fill out a "PDP form" from the pharmacist and then give it back to the pharmacist. I live in BC and no one in BC (Pharmacist or Doctor) knows what a "Provincial Drug Plan form" is.
Called back as this drug was covered previously and asked to discuss with a Supervisor, as the Sun Life first line of call takers are basically useless.
When the supervisor called me back she was not well informed on their protocols as she had no clue what she was talking about but advised that I needed to "Fill out a form" then when I asked her to send me this form, she sent me the approved Special Authority Form they already had on file for me?
In short (In long really, but this is my therapy after a Sun Life call) I sent them the receipt only which was done at the Pharmacist when filling the order a week earlier, and they paid the claim.
Again a frustration and normal experience to be expected by Sun Life benefits group, basically wasted a week and 5 phone calls for no reason.
If I was a senior, likely I would of just not been paid as navigating through Sun Life's maze of deception is not for the light off heart!!!

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Sun Life Dental a JOKE!

by Expect more on Dec 26, 2023
1 out of 5 stars

Needed emergency dental because I broke a molar. Their in network online search is a JOKE!!!! Bad phone numbers, wrong companies, listed in network and is not. Going into my 5th day of pain and I’m ready to just pay out of pocket. I will be contacting my companies HR and CEO about this joke insurance.

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Basic questions concerning coverage were met with disdain by associate Victoria

by Luke Johnson on Sep 29, 2023
1 out of 5 stars

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.

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What can a customer do to improve your service

by Frustrated on Aug 6, 2022
1 out of 5 stars

I am extremely frustrated at long wait times to speak to someone, and absolutely stupid answers provided to questions. If you don’t know say “ I DON’T know” I would certainly respect you a lot more for it. Why is there higher call volumes….75 %of things are done by the customer online. Personally if people on still working from home it’s time to find a way to manage the work getting done more closely. Clearly, by your 1-star rating, you don’t care about customer service.

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