I am a customer with Mega Life and Health and have been astounded by some of the reports filed here! Let me give you a little background to my situation.
I used to be co-owner of a small business in Ga. Health insurance always gave me a headache, but it was 10 times worse when I went into business for myself and had to search for good insurance.
So, my business partner and I sat down with 5 different insurance agents. After many headaches, I chose to go with Mega because of their group philosophy and my partner went with Blue Cross Blue Shield because of their reputation and slightly cheaper rates.
Well, neither of us expected what was to come next. I was diagnosed with breast cancer and my partner was involved in a serious car accident on the way to see me!
Blue Cross Blue Shield kept on waiting and waiting to pay out the claims. Eventually, creditors began to call my partner for the money that the insurance company owed! After several months, Blue Cross ended up paying roughly 30,000 of the 55,000 bill. Evidently, there's something called usual customary and reasonable... Well, they deemed 25,000 of the bill to be unreasonable!!! Now, he's having to make monthly payments on the unpaid hospital bill (even though it should have already been covered!) AND his rates have increased to over $4,000/MONTH!
On the other hand, my dr visits, consultations, surgery, hospital stay, chemo/radiation, and reconstructive surgery have been covered just as expected by Mega. I had to meet a 3,000 deductible and paid out another 4,000 to meet my coinsurance max.By my estimates, Mega has paid well over 150,000 in my claims and I have not had one single rate increase.
The way Mega has handled my claims (and continues to do so) never would surprised me. I never would have even thought twice about it because that was coverage I signed up for. But, I am devestated for my partner and am shocked that such a well known company could treat him so poorly and find all sorts of loopholes so they wouldn't have to pay.
I highly recommend getting coverage with Mega. I only read through these reports when a friend of mine told me that he had decided against Mega after researching them here. Maybe they've had bad experiences, but not me! Good luck out there
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