I've been paying $40 a month for over a year and a half for dental insurance through Lincoln Financial Group. I got my wisdom teeth removed and attempted to send the claim to Lincoln Financial. First they told me that I needed to send the x-rays and all surgery info to my medical insurance, which I did. Then Lincoln sent me a letter explaining that in order for the claim to be accepted I need to send Lincoln a copy of my EOB (explanation of benefits), this seems unreasonable to me as Lincoln is the benefit provider so how is it that they don't know what benefits they provide to me? What the F have I been paying for? My claim has been denied because, apparently, this company is either really incredibly stupid (this includes everyone who works there) or, which actually seems more likely, Lincoln Financial Group is the epitome of low-life scum bag insurance companies and a major contributing factor to perpetuation of the downward spiral in the American Medical System.
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