do you have any experience with Mega health insurance company? If so, please describe your experience.?

Answer 1

Oh god, Mega is one of the worst insurance companies out there. They have restrictions are virtually anything they cover and their maximum out of pockets are hidden and disguised so you don't notice them until its too late. I would buy virtually any insurance plan before I bought Mega.

Answer 2

The following is a reprint of an answer I gave to someone recently who asked about Mega. My only new addition is a link to the Texas Department of Insurance as an example of the type of information your state insurance department can provide.

Good luck!

I don’t have any personal experience with Mega Life, but any health insurance company should be evaluated on its:

·Financial rating
·Quality of Care
·Customer Satisfaction

A company’s financial rating is kind of like its reputation. A higher rating generally means the company is more likely to be around a long time and that it will continue to have the resources to help pay patient medical bills.

Finding a health plan’s quality of care is more difficult because it’s so subjective and many health plan models are so new that it’s hard to gauge the quality of care. One way is to see which doctors are in the insurance network. If you are in a traditional fee-for-service plan, it doesn’t matter because if you don’t like a doctor or hospital, you can move on from there. In an HMO or PPO, however, you have to look closely at their network of doctors and hospitals.

Customer satisfaction ratings are available from Consumer Reports and other consumer-focus publications (link below). You can also visit your state insurance department Web site (link below), and it should have the number of complaints for each insurance company. You can call them and ask them for help if you’d like to.

If you still have questions, try talking to local health insurance agents. Talking with more than one can give you a perspective of Mega Life’s reputation among many different customers. Just ask the agents up front if they represent Mega Life plans. MostChoice.com is an easy way to get in touch with qualified insurance agents. You can also get free quotes and policy information too. All you do is fill out an information request form and send it in. There’s no cost or obligation in any way, and within two days local agents will call you. Just ask your questions and let them to the legwork in finding a health plan that’s right for you.

You can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm

Hope this helps,
Barnes@MostChoice

Answer 3

When purchasing health insurance, you should always try Blue Cross Blue Shield first. If you can qualify medically, this will be your most reliable coverage and economical cost. Don't believe what any other agent from another company tells you about Blue Cross.

Another piece of advice. Do not purchase a limited-benefit health insurance policy unless you have to (i.e. United American). Always make sure that what your are buying is major medical with at least $5 million in maximum benefit.

The four most reliable names in major medical health insurance are: BCBS, Assurant, Golden Rule, and Humana. These companies have been in business for a long time and they have the financial ability to pay claims.

Answer 4

Mega would not cover our son because he has Crohn's Disease. I asked them to cancel all of us, because I wanted the whole family to be on the same policy. They did, but then withdrew the money out of our checking accoung anyway, causing a $160.00 overdraft fee. That company is full of morons-I wouldn't take a chance with them.

Answer 5

There once replaced right into a well being coverage organization said as SunStar. They always denied mine and many different claims inspite of many specialist docs holding they were " medically needed". I filed a classification action regulation in structure adverse to them and many human beings's proceedings ( they were multiple ) were also connected to the in structure. the organization ended up in receivership , it really is the position the authorities takes administration of them. They were raided through the FBI and the organization replaced into close down. 10 years later I were given a verify contained in the mail for the quantity of my claims that were denied. coverage agencies are in organization to make money. it really is in straightforward words that a organization. it really is their job to disclaim your claims. it would not count number no matter if it really is vehicle, belongings or well being coverage. The extra they pay out, the a lot less they could enable their CEO stay the forged existence. at the same time as some detrimental soul is laying contained in the well being facility searching ahead to a liver at the same time as the coverage organization fights the declare, the CEO is out playing golfing or flying round contained in the organization jet. i can assure you, the toddlers of that CEO under no circumstances ever have a denied declare.