Sun Life Health Insurance Reviews

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?

My health insurance plan with Sun Life says 80% coverage for Orthodics which I have to wear in all my shoes and have to re-order every year since my condition worsens.
This year I ordered custom made orthodics that cost 500$. After submitting my first health claim of the year Sun Life rejected it with the classic excuse that somewhere in the contract buried with very small characters there is a limit of one orthodics every 24 months.
However, they never considered to post the same information on the website with my health plan.
Fact that I did not have any claims over the year was not an argument. Also, could not use any of the 100$/month I pay into my plan or to use the very advertised 'flex dollars'.
So now, just before Christmas I have to thank them for the 500$ debt in my account.
I feel like I was miserably robbed with no intend for help from anybody in this institution.
Unfortunately I cannot not choose my health insurance at work but I can witness how low this insurance company can go and how quick is to screw their customers.
I wanted to choose 0 stars value for money since this is what I got but unfortunately that doesn't work.

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.

TERRIBLE! all together terrible.
Website is very confusing and cannot find anything, half the customer service reps don't have a clue what they are talking about.
Blue Cross is simple, customer service is quick and processes are easy.

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.