Sun Life Health Insurance Reviews

I had my therapy recently and submitted the claim to my two coverages, one under my employer and the other one under my Husband, both Sun Life. I got reimbursed for a portion only from my plan and denied the balance under my spouse plan. The reason? Because they only paid according to their price limit! Coordination of benefit was never applied on this case plus this is my first claim for two years! There is no consideration. I got pregnant and taking care of my baby, and trust me. I feel all the pain in my back. But when I decided to have a massage from a decent spa, I never thought that I wouldn't be able to use my benefits.

This company are the Kings of no pay. I submitted phsio/massage therapy. There were the secondary provider. I submitted it thru mail!! yes Canada Post. I gave them the Px and the amount paid by Blue Cross on Blue Cross letter head. They denied it because I did not sent the original Px. I got the original from the clinic and sent it to them. Then they denied it because they said they were the seconday provider and they have no proof that the primary provider paid!! I sent them the Blue Cross form which clearly states BLUE CROSS PAYS, and they had the claim filled out online clearly showing the amount Blue Cross paid and they had 20% left to pay. Next they denied it because I reached my max for the year. The max for the year was $500 and I had submitted. It took me 3 months, 6 phone calls, 4 letters/written submissions and they paid me the $28 they owed me. $28!!! And I have since submitted other phsio/massage bills and each time they do the same actions. All the people who work with me get the same run around when they submit expenses. This should be shut down. They like taking my $175 a month in premiums. NO company should have this company as an insurance provider

I made a claim a month ago and they are requiring unnecessary information even after I gave them the original receipts. Scam company. Please pick some other insurance company.

Never be with this company if you have a choice. This company made me so frustrated

THIS IS THE WORST COMPANY EVER. AND THERE'S TOO MUCH DIRT TO TALK ABOUT and the list is way too long to talk about, and the only reason they have one star for anything is because this site won't let u put zero stars

Submission to a claim for wheelchair that claimant desperately needs to get around was denied because claimant has Cancer. After speaking to 17 different customer care and supervisors as Sun life purposefully delayed for 6 month requesting additional info after another before formally denying claim. Had to fax the same Doctor's referral notes 3 separate times as Sun life repeatedly denied they received such referral. Yesterday, March 01, 16 at 3:15pm phone conversation with Supervisor told us "price of wheelchair cost too high" "we might consider less expensive unit". Sun life could not shake us off of our claim and subsequently denied claim again.

Cancer Patient still does not have wheelchair to get around.

Bottom line at Sun Life: Profit maximization by undercutting its customers.

Don't take this company its having its worst service. They dont give money of CLAIM and eat them.Since 3 months I didnt got my claim money

I had a health plan through my group. Alberta
Took pre-authorization for orthodontal and endodontic expenses separately submitted by each of these specialists.
The Sun Life team approved both the pre-authorization separately.
These orthodontal and endodontic treatment expenses for the child are very expensive and not easily affordable for parents.
Despite the pre-authorization approval received from Sun Life, the insurance company refused to pay an amount of approx 463$ which is approximately 8% of the payment made by us ($10000) for these specialists.

A complaint was registed with Sun Life and case id was issued.
Their customer care representative Mr. G informed me that the pre-authorization approval was a mistake by their team and hence then cannot compensate the amount of $463

I followed up with Mr. G for several months and the case was open. But Mr. G states that he has put a write-off request to his senior management due to the error from Sun-life in the pre-approvals. But his senior management did not take steps.

Despite several follow-ups, Sun Life did not honor their pre-authorization approval and did not reimburse me for the expenses made

Result
Orthodontic Expenses for the treatment by us : $8000
Endodontic expense for the treatment by us : $2600

Pre-authorization sent out separately for the above to Sun Life
Approved pre-authorization amount for orthodontics : $2000
Approved pre-authorization amount for endodontics : $463

When expenses were submitted after treatment, Sun Life insurance company paid only 2000$ instead of the pre-approved amount of 2463$ with further loss of 463$

Experience
1) Despite taking approvals, the team is not professional enough to understand customer concerns and did not honor their commitment.

2) Why the customer has to always bear the loss due to the any lapses of Sun Life medical insurance team.

3) please be careful when you sign up with Sun Life plans and they will tweak the clauses to their own benefit despite preauthorization

4) they collect hefty premium for these plans

5) Sharing this information to all of you so that no other customer should have to face similar things while dealing with Sun Life health and dental insurance

I made a claim to Sun Life since last August. We are now in April and I problably talked to one of their representants 3 or 4 times at most. The rest of the time, I was talking to answering machines and nothing else. And when they do answer your call, it is to tell you nothing else but lies and excuses for refusing to pay you. From what they told me, they can change their reglementations whenever they feel like it. Even their superintendant won't answer the phone! All they do is changing representant to make you feel they care... but it all comes down to a restart with no end. I truly am hoping my company will change insurance company. I am fedup being forced to give my money to those crooks!

I have health plan coverage through the Public Service Health Care Plan (Canada) and will say it's the worst customer service I have ever experienced with any professional service company ever. It's as if they deliberatly attempt to frustrate the customer to make you give up. The phone advisors are more often condescending and rude than they are helpful, and the online secure messaging and inability to communicate by email makes the whole system as slow as molasses. I have come to despise Sun Life and will never, ever willingly use them for anything ever again as long as I live.