How do you file a complaint about a company that sells long term care insurance?
If you're in the U.S., go to the state agency that regulates insurance companies. Each state has very specific laws and regulations.
All state insurance regulatory agencies have Consumer Services departments (although they may use different nomenclature). Their function is to be the gatekeeper for consumers and intercede on their behalf through investigation of complaints. Generally, you will need to complete a request for assistance (which in some states may be electronic), and specify the nature of your complaint. Be as specific as possible, including policy number, claim number, and of course the identity of the insurer; the complaint form may request that you submit a copy of your policy (never send your only copy).
Upon receipt of your material, the Consumer Services authority will request the insurer for its side of the story, and will attempt to facilitate a middle ground. Keep in mind that one side or the other is not always correct. Therefore, to better the chances that you will get the resolution that you seek, be sure to keep full documentation so that it is available for use in a dispute. Also remember to stay flexible, because it is usually the sign of a fair settlement when one side feels that they did not get quite enough and the other feels that they gave a little too much.
For those of you who want to do research on a company before you purchase a plan, many states will report the number of consumer complaints per company for their state. Many state insurance websites will report the numbers. Search using your state name plus "department of insurance."
As an agent, here is how I tell clients to interpret the complaint numbers. If a consumer reports a complaint to the state's insurance department it's probably a big complaint. Over a cup of coffee consumers may complain to each other about their insurance company, but when they report it to the state it's big. If you see a company with a large number of complaints, versus other companies, or greater than their share versus sales, I think there is good reason to possibly avoid the company. (Ratings, complaints, years in the business, history of rate increases, etc. are criteria used to compare companies).
There are state and company guidelines, however they can be extended. The company needs the time necessary to fully investigate the claim. If you care to provide (either in the discussion forum on this question or my message board), the details, perhaps I could be of more assistance. If you want you could always file a complaint with WA states dept of insurance, I assure you these complaint answers are VERY time specific. Read More
Can your Health care insurance force your wife to purchase health care insurance through her company?
No. Read More
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No. You will only get "insurance" from an insurance company. Read More
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What is the Written authorization form policyholder for their insurance company to pay benefits directly to the care provider?
What is the written authorization form policyholder for their insurance company to pay benefits directly to care provider Read More
YES Read More
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a managed health care plan Read More
You don't. You sue the individual. The insurance company is obligated to take care of the obligations of the individual. Read More
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I got into a minor accident and I was at fault. The other driver had my information and will file with my insurance company. Anything I need to do?
You should contact your insurance company and let them know. Your insurance company should take care of the rest. Read More
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Combined Insurance is a global provider of supplemental insurance, including accident insurance, life insurance and critical care coverage. Combined Insurance operates in North America, Latin America, Europe and the Pacific. The company is headquartered in Glenview, Illinois. Read More
The insurance company will take care of your damage, Read More
They're a real company that scams people into buying insurance from them. They are a third party company, who makes commission when they sell a policy to you; however, they will go to any extent to sell it. I was told preventative care would be covered and other kinds of doctor visits, I would have to pay the cost after insurance had been applied. Instead, I was charged a processing fee I did not authorized… Read More
No. Only your husband can find that information and that he can do so by calling up the insurance company customer care hotline. Alternately, if the insurance company has a website, then you can get the login credentials from your husband and check it yourselves. But, not many insurance companies provide this online checking facility. Read More
GE Capital Company does, indeed, offer long term care insurance. They also offer a number of other products, such as life insurance, annuities, and mutual funds. Read More
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If you join a different martial arts club while training at another is the original club informed by the insurance company?
Why would the insurance company care? They don't, each club has its own insurance and it is paid for through your dues. Read More
What are some of the different services offered at the website for Mega Life and Health Insurance Company?
The MEGA Life and Health Insurance Company offers health and supplemental insurance. These include preventative, outpatient, and emergency care for its members. Read More
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There are several different insurance companies that offer long term care insurance, however, it would be wise to choose a company with a good financial and credit rating and credibility. Genworth is one of the leading companies when it comes to long term care insurance, but here's a few more companies in the related links below. It includes a brief summary about the company and their websites too: Read More
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If someone hits your parked car and you call your insurance will your rates go up or will their insurance take care of everything?
If your car is parked and someone hits it, your rates should not go up. The other car's insurance company should take care of everything, even if you have the same insurance company. You are entitled to have your vehicle repaired following an accident that was caused by someone else. Read More
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type it in on google and it should show results Read More
It is the form that is required for use when billing an insurance company for health care services given. It is used by all types of health care providers who are billing insurance. Read More
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The insurance company pays you once all formalities are taken care of. Read More
One of the companies which provide low cost pet insurance is known as "Low Cost Pet Insurance". They provide the cheapest pet insurance. Another company is Pet Care Insurance. Read More