(2006 to 2014):
SeeChange Health Insurance Company primarily deals with insurance.
In 2010, SeeChange Health Insurance Company had total liabilities of $0 and total assets of $6,046. Their total liabilities reached $0, while their net income was $-5,313.
Total direct premiums written in 2010 totaled $9; and net premiums were $8.
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Avoid SeeChange Health Insurance
SeeChange is the worst health insurance company in the country.
Do not use them and do not trust them.
They want your premium money, but will NOT pay claims, especially
emergency room and hospital stays.
Evil company ... avoid at all costs.
SEE CHANGE SUCKS!
SEE CHANGE IS THE WORST INSURANCE PROVIDER THAT I HAVE EVER HAD or even knew existed. The absolute worst.
For the last several years the primary reason why I remain employed was because I needed health insurance.
I would be better off quitting my job, because friends of mine with MEDI-CAL HAVE WAY BETTER HEALTHCARE THAN I DO. This private insurance makes you wish you were eligible for public benefits.
Why do I think SEE CHANGE HEALTH is so atrocious?
1. YOU NEED AUTHORIZATION TO GO TO THE HOSPITAL.
Give a gold star to the person who remembers to call their insurance company for "authorization" from the back of the ambulance on the way to the hospital.
2. ONCE YOU GET TO THE "IN NETWORK" HOSPITAL, YOU ARE RESPONSIBLE FOR PAYING THE FIRST $8,000
- Yes that did say YOU are responsible for the first $8,000. That's way more than the $100 copayment that my last insurance required. I once had insurance with a $1,500 hospital deductible - and I though that was bad!
-$8,000 is taking it to a WHOLE DIFFERENT LEVEL.
3. BUT WAIT, THERE'S MORE... THE "OUT OF NETWORK" DEDUCTIBLE IS $10,000...
- Did you know that just because you go to an "IN NETWORK" hospital, that is no guarantee that you will actually see an in network doctor?? That was news to me but apparently it's a more common practice than one would think - sometimes there aren't even any in network doctors working at an in network hospital. So you can do everything right, and yet the luck of the draw will still find you owing an additional $2,000 in medical bills.
4. OUT OF POCKET MAXIMUM - ALSO $10,000...
- So I guess if you are sick enough to generate more than $10,000 in hospital bills in less than one calendar year, without losing your job or your life - then SEE CHANGE will actually do what they have been contracted to do - which is aid their members.
Unfortunately, I actually DID generate more than $10,000 in hospital bills this year. Between a dog bite & MRSA, I was feeling sub-par to say the least.
I could have done without the daily barrage of phone calls from people who want me to pay them money that I quite simply do not have (those would be the representative of the hospitals who had to explain to me that the reason they kept calling me was because the bill they sent me WAS the bill AFTER it was submitted to insurance! Because I was aghast.)
I make LESS than $15,000 a YEAR.
I have medical bills that exceed $10,000 and that is only MEDICAL bills so far this year.
If you are an employer considering SEE CHANGE health and you actually care about your employee's quality of life, then I implore you to look elsewhere for coverage.
After jumping through all the hoops with our employees and getting a promise that if we got 50% of the employees to take care of their "health actions" we would be guaranteed a fixed premium for 2 years, we found out last week after 3 months with them that SeeChange is getting out of the California and Colorado market so our company is being "dropped". Unbelievable!
Awful. Just awful.
I would NEVER recommend SeeChange to ANYONE. I enrolled through my company. I'm young and healthy so I wasn't too concerned. Just wanted to get my standard yearly checks. Nothing, and I mean NOTHING was covered initially. I had to have them reprocess EVERYTHING multiple times before anything was covered. I had to ask them to reprocess my Well Woman exam about 3 times before it covered. Not only that, but I had the doctors check if I was covered the day I went in, everything was fine. Later I receive a bill saying I wasn't covered. What!? That was finally put to bed months later.
Never have I had an insurance plan this absurd. I understood that a plan with 70% coverage and a deductible of say $3500 (like I had) meant that 70% of my services would be covered until I paid $3500 out of pocket, then 100% would be covered. I had plans like this in the past. Nope, not SeeChange! 0% is covered until you pay $3500 OOP, THEN they begin to cover 70%. Extremely terrible plan, especially for the young and healthy like me. The phone agents are pleasant enough but seem exasperated when you ask any questions and aren't very helpful.
No, no no. No SeeChange for any reason.
Best recommendation is to just avoid this company. They are reluctant to approve care and then rescind the approval for reasons unknown other than the costs. Expect the runaround and frustrations.
Company still has updated their medical claims address but has the incorrect address for their Pharmaceutical Claims on their website. If you have the medical card that was sent at the end of the year, the incorrect addresses are on this as well. So really, how would one know if and when they actually changed their addresses?
Pathetic Company process
This is my 2nd frustrating experience with this co. this year. Recently was sent forms for both medical & pharmaceutical claims from service rep. at beginning of mth. Following up with svc. rep a wk and half later & come to find out that BOTH addresses on the forms are incorrect. Actually, the original medical form had incorrect zip co. for Cigna in MO & USPS had to correct when I sent it registered mail. Cigna Great West/See Change couldnt even put the correct zip on their form! I wonder how many claims got lost then! I was then apolgized to for the human error, and informed that the address was changed for medical claims a mth ago but that there is NO forwarding service from the old address to the new address. So apparently, my info was received by Cigna in 1 location (in MO), possibly scanned & found that they dont service my info any further then shredded!! What the F**k? & how ridiculous is that?? How is this poss, that this co. does not forward mail from the original location to the new location for processing and why would this info not be sent back to me if they are no longer processing claims? I dont want my private information hanging out in no man's land or in anybody's hands that should not have it. What an inconvenience & a change process that had no forethought! I was also told that this would be easier if using in network providers, and using out of network providers requires you to submit your own claims, Yes, I understand that by using an out of network provider I must submit the claim but this is a choice to use other providers/specialists & that is why we pay more $$, but the process should not be a frustrating & inefficient process.
When I call the pharmaceutical claims, the rep says that the mail is forwarded but not yet received. I am informed that I can fax this info in or wait for it to be sent over which could take up to 30 business days. So, I am beholden to the company which has an inefficient process and can only apologize for the mistake of being sent the wrong forms, only to be inconvenienced & frustrated by having to spend even more time to complete new forms which I had to request for rep to email and for me to complete, copy and resend with certification. Companies & individuals have forgotten what it is to really provide customer service, sometimes you have actually use your brain to think 2 steps ahead and consider what would make it easier for the member/client/individual. What do they care, as long as they get your money so they can make money is prob. their guiding principle. I had wanted to have a positive experience but unfortunately, this experience has not been.