Sierra Health & Life

This company is just horrible! After issuing the policy and membership cards and even informing providers that my coverage was in effect, they changed my effective date to 2 months later. After I received my cards I had cancelled my COBRA coverage with my prior employer. Sierra Health and Life says that after reviewing my application further they decided to change the effective date. After numerous calls, they say there is nothing that can be done and to just pay my medical bills myself until the policy becomes effective. I can’t afford my medications which cost thousands if you don’t have insurance. And now that I’ve cancelled my COBRA I can’t go back on COBRA. I’ve filed a formal appeal but now they say it’ll take several months to get an answer on that. Very poor business practices and complete lack of customer service.

Just got my monthly bill from Sierra. My premium of $ 110/​month with a $ 1500 deductible is now $ 351/​month and a $ 7,500 deductible. Donald Trump is correct — Obomacare is a disaster and you will have to get hit by a tractor in order to make having insurance worth it. I refused to pay for it and canceled my policy.
Horrendous hold times. Brain dead customer service reps.

Received two bills that were inordinately high today from Quest. I called the insuranc company and talked to Rodora L. and not only did she tell me that my member’s portion was «zero» on the $ 325 I was billed, she conferenced called Quest with me to get it taken care of! WOW! THANK YOU!

I would give this company a huge 0 if I could. I have been with this company’s PPO plan for a long time. In this past four months it’s become a horrid insurance to have. I finally talked my doctor in a hip oblation everything was approved. Fourty five minutes before the oblation my my doctor and myself were informed that there’s been a change. I can have a sedative, but no anesthesia. My doctor was shocked he informed his office that he’s burning three nerves in hip and has to have me in a twilight state. Standard procedure is both a sedative and anesthesia working in tandem to burn anything. Needless to say, but I will the sedative did not last I was allergic to broke out in hives never having it before. My doc got the first nerve I screamed through it partially. He then went into my hip eight more times with a long nerve testing needle. I kept breathing the poor nurse’s hand I was holding pulled her hand away due to me squeezing to hard. My doctor told me he had never seen anyone breathe that hard and not kick him. He then stopped and said «I am so sorry but we have to stop this due to no anesthesia». He then walked out of the room frustrated and his assistant, nurse and myself heard him yell and punch the wall. In the recovery room I was on the phone to Insurance company the representative was shocked and said there will be an investigation. I have heard nothing and keep getting a run around. I am now searching for another PP0. I was a lab rat and have told everyone I know to stay away for Seirra Nevada health and life it’s a joke and they keep jacking up prices it’s over. They are a joke.

Worst customer care. I was on hold numerous times for extended times exceeding 30 minutes just to try to speak with someone. After I actually had the chance to talk to a person, I am told they have to send a message to another department because they didn’t have access to see another part of a screen necessary to determine issue with my coverage. The issue is stl not resolved and I won’t be seem because of this.

Probably the worst customer service I could imagine. I was told on multiple occasions with different reps that I would have no co-​pay for a claim (for specialty formula) and yet was charged $ 10 for every time I received that formula for my son in 2014.
It took just shy of ONE YEAR for them to fix the mistake. (This is after I had to file an appeal and have their board approve it!) Before they let me file the appeal I was calling them at least once a week from FEB 2014-​JAN 2014 (with upwards of 1 hr hold times and completely unhelpful reps). Honestly, sometimes it felt like I was being pranked the issue became so ridiculous. During that time the provider was threatening to send me to collections, so I had to constantly be in contact with them, as well, to let them know SHL was still dragging their feet on the money they owed (NOT the money I owed!)
I cannot believe how difficult it was to work with them. Avoid them if you have the choice!

Yes, they are hard to get a hold of on the phone. But I can see my prior auths online and I don’t know another insurer that does that. They are covering my claims as I expected with the copays I expected. No surprises.

Very shady company. They do hold up their end of the bargain (claims), but have always been very secretive and vague if you ask detailed questions about claim coverage and hospital bills. Employees seem really uneducated (over the phone at least). They proudly claim to be a «UnitedHealthcare» company but I’ve had to call UnitedHealthcare many
times to fix a problem that this Co. cant figure out and they always insist they have never even heard of «Sierra Health & Life Ins. Co.» and cannot find it in their records. Even managers at UnitedHealthcare have no record of who this company is.