We adopted a child in Janaury she was legally our in Guatemala on Janaury 28; but not legally ours in the US until we entered customs with her on March 12, then she became a citizen. We contacted our insurance representative, Garbin insurance and they told us that we could not cover her until she resided with us in the USA.
The day after we got home we went to their offices and filled out her application.By law, an insurance company can not deny coverage to an adoptive child, but UNICARE has, they say that we only had 31 days to add her to our policy and that that should have been done 31 days from January 28th. This is ludicrious and they know it. They are only doing this because we dropped them as our insurance providers after the first appeal on my daughter's insurance. We own a small business and switched everyone over to new and better and much, much cheaper insurnace with NASE. Plus, when we were using UNICARE for fertility treatments, which were covered, we had to appeal 3 times to get them to pay what they were suppose to pay. There customer service is horrific. You get put on hold and bounced around for hours on end. Then they take up to 3 months for each answer or appeal.
Buyer beware UNICARE is the worst health insurance provider we have ever dealt with. Our last appeal was signed by Jason Worthington, Grievance & Appeals Specialist.
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