"Undisclosed Premiun Escalation Clause"

Overly agressive salesman and/or United did not disclose the large escalation monthly premiums after a few years in my of a United of Omaha Universal Life Policy.

"If I could give zero stars I would"

If I could give zero stars I would
Deny, deny, deny. That is all they do. They keep asking for more information for a claim. Then deny it for something they have already received. Now they have denied saying it wasn't medically necessary although two Dr. opinions say differently. I will be filing a claim with the Insurance commission claims board. Like anyone would go through gum surgery for the fun of it.

"They intentionally do not cover modern dentistry"

They only approve base metal crowns after a root canal despite knowing that this is rarely done and looked upon as an old method. Many dentists will not even do these.

This leaves the patient to pay for the "upgrade" to ceramic crowns themselves. This would be like a medical insurance only paying for some old fashioned surgery as a loophole to save themselves money and not cover their patients.

This is downright unethical to intentionally only cover an old method. Would avoid budget companies like them when choosing dental insurance for your company or self.

Update: they contacted me and confirmed that they only cover the cheaper outdated metal crowns. Avoid this company if you have a choice.

"CALLED ON 4/21/23 BETWEEN 9:50-10:15…"

CALLED ON 4/21/23 BETWEEN 9:50-10:15 AM, SPOKE WITH REP ERIKKA. J.... IF THATS HER REAL NAME, SHE WAS VERY RUDE. I HAD A QUESTIONS ON FAXING A MCR EOB AND AS SOON AS SHE ANSWERED THE CALL I COULD TELL IN HER VOICE SHE HATED HER JOB. SHE WAS ONE OF THESE PEOPLE THAT TRIED TO TALK STERN AND SHE WAS VERY RUDE...BAD CUSTOMER SERVICE WE ARE A PROVIDER AND HOPE WE NEVER HAVE TO GET THIS GIRL ON THE PHONE AGAIN, NOT A GOOD WAY TO START OUT A DAY....SHE NEEDS TO DO BETTER AND NOT BE IN THIS LINE OF WORK IF SHE IS RUDE TO PROVIDERS....

"Was given a list of "in-network"…"

Was given a list of "in-network" providers filtering specifically for periodontists. The list I obtained from the provider search on their site is GARBAGE. On almost every call I placed, I was told the provider listed isn't at the practice anymore, that they do not have a periodontist, that they were not in network despite being on the list, but most often these providers don't even answer the phone or respond to voice messages. Called customer service and to be fair the agent made an effort to assist but there was nothing she could do but submit a complaint. TERRIBLE. AWFUL. SHAMEFUL.

"Not as advertised"

I signed up for the dental plan. Wss suppose to pay for 2 cleanings a year. Mutual of Omaha paid our dentist 65 dollars. And I was stuck with a bill for 220. I had paid more in premium that what I had to now pay my dentist. I canceled the plan and will put that money aside for my next cleaning.

"Zero customer service"

Zero customer service! They are stuck in the 80’s. Let me list the ways:
1) No ability to auto-pay premiums for long-term care insurance.
2) No ability to electronically pay premiums. Must write checks and mail.
3) They encourage the use of fax - first option on the recorded phone line.
4) Inability to actually talk to a person. No option to talk to a rep when you call their number.
5) The customer service line hangs up on you if you select zero when trying to reach a rep. It stated “It appears you are having difficulty deciding which option to select. Please call again when you are ready.” click.

"Slow to no pay"

So I had the cancer heart and stoke on myself and my wife a while back . I had to have emergency open hear surgery . Double bypass. I had $20k in coverage all they paid was $5,000 really. Took them about 3 months to pay It . But they want their money in time every time. Smh. So later on down the road we ran into some financial difficulties and had to let it drop off. Called a few days ago to reinstate mine. Great no problem got it done. Well I called to get my wife’s back up and going they want to talk to the wife to get her ok to do so. What the hell it’s an insurance policy not signing for a freaking loan. They are a joke. My local agent is great and has done all he can. But the office itself is sh..!!They do take the sweet ass time to pay out but again want their money now!! You can not win with them. You and me are the little man we don’t matter. I truly hate this company with a passion and they are a rip off!!

"Honestly they are too high had…"

Honestly they are too high had accidental death insurance was paying 47.50 monthly for almost 3 years i also have global life and I added the same insurance for 300,000 for a family plan that will never change and it’s not limited/term it’s whole for only 25$ bucks this company is a rip off and when you login to your account it has no information about your policy just information if you want to make a payment that’s strange and weird I had to call like 6 times back to back they kept hanging up on me this was my policy that I had for my husband because he like to ride motorcycle and for the work he was doing I started this policy they didn’t need his consent for me to start it but yet they needed to talk to him for me to cancel something that was coming out my bank account every month such a joke never again happy we moved on to better and cheaper 😊they lady kept saying did you read your policy so you know hippa law lol of course I do I wanted to ask her the same only if she knew but I just canceled and left it where it was

"Terrible customer service."

My wife was recently diagnosed with a stage 4 brain cancer. Both of us have worked in healthcare for decades. We know insurance companies.

We put in a claim for long term care benefits for which there is zero doubt my wife s current level of disability qualifies for.

The customer service is TERRIBLE even by insurance company standards. It took 2 weeks for forms to arrive. Multiple times a week I get letters (all 2 weeks old) demanding forms that have already been submitted.

It seems this company has never heard of fedex (can’t spring for overnight on a claim worth 10s of $1000s? Never heard of the internet? It’s not difficult to make a HIPAA compliant portal.

Almost 2 months and nothing. There’s a good chance my wife will die before this claim is approved. This insensitive and reduplicative process is so difficult for families typically dealing with a health crisis in a debilitated loved one.

The policy looks great until you try to communicate or get paid.