Allied National, Inc. Review

Worst insurance ever!!! A complete scam. I saw a doctor and made 3 trips to a lab for bloodwork both who they refered me to back in April. It is now December and they still have not paid any of the claims or even responded to the lab and doctors office when they call them. When I try and call customer service I can either not get thru to them or it takes 45 mins to an hour on hold before someone picks up. They do this all purposely to make it so frustrating that youll hang up and give up. Then when I asked them why they havent paid the claims yet they tell me they have to mail me an authorization of medical records release form for me to sign and send back to them. Once they receive that it takes 45-60 days for them to review before theyll make a decision on paying. The reason for this is they say they have to review the records to make sure their is no prior conditions cause its not covered if it is. I finally, after 8 months received letters from them saying theyre going to pay only a fraction of the bill. No explanation as to why, and what I was seen for was not a prior condition but never the less theyre only paying a portion of whats owed and a small one at that. Even thoughI got those letters they STILL have not sent payment yet. This company is a total joke and a total scam. Do NOT buy insurance from them. Im going to take them to court and sue them not only for them to pay my medical bills but to also get my premiums reimbursed to me and maybe more if possible. Stay away from this scam!!!!

Jill Carrol is my sales/account rep. She is incredibly responsive, is always available to address questions, and moves quotes/proposals quickly. She has been a wonderful mentor/trainer who has been of great assistance to me as I learn how best to position Allied National products with my clients. Of all the Third Party Administrators I have worked with - Allied has by far the best mix of plan designs to integrate with a Direct Primary Care (DPC) solution. The combination of DPC with a major medical plan wrap that includes Reference Based Pricing and protection against balance billing is an extremely competitive offering with the potential to change the healthcare/health insurance market. Thank you Allied National!

what is the average time for picking a call by customer service,
i was waiting since 52 mins and no sign of any answer.

These guys are pretty smart. Claim repricing is spot on. Policies are good for budget conscious with few holes. Claims system is weak when it comes to flexibility. Underwriting is a little deceptive, their manual rates probably won't stick unless your group is spotless. Phone systems seem to be a mess. Still wayyyyy better than working with a carrier.

I've been calling their main customer service number for days the last 2 weeks and all I ever get is a recording that "all circuits are busy." This is insane. I've resorted to emailing every alias I can find and hoping someone answers.

This is a scam. I am currently in the process of scheduling a law suit against this company for fraud. They wont pay a single claim because I told my doctor I was feeling anxious... yes you read right. I have no anxiety disorders or long term conditions. Simply was anxious because I told my doctor I was starting a new job. Allied national saw that I told my doctor this and is refusing to pay over $3000 in claims. I am eager to take this company to court and I will win. They also broke national law regarding prompt notification of claim denial or approval. It's going on 9 months now. I have creditors calling me on a daily basis. This company is a committing fraud. BEWARE

We have represented Allied for over 30 years. they are a great service oriented company.

What a joke. Fighting a claim for 6 months and still receiving medical bills as a result.

I work with Jill Carroll & Dan Meylan. They are two of the finest people I have ever worked with.
Jill Carroll is my go to person when I need anything she will direct me.
She is very honest and direct to the point.
I am very focused on referenced based pricing products as an alternative to help clients get out of community rated products and save premium dollars. While it don't work for all, it is a good alternative for those who qualify.
Allied is my first choice - go to carrier for RBP group health insurance programs.
You will not find a more amazing and trustworthy group of people to work with.

Every time I call them I get a message 'all circuits are busy....'

When will I be able to talk to them? God please help

They lost our premium more than once and made us jump through hoops each time by not being consistent with notifications. They also have a claim fund which is supposed to be extra money we get back if not used for claims. Well, in our case, it was not used for claims, but they are refusing to send us our money as promised. They are finding every way possible to screw us over. Do not trust this company with your money.

Gentleman I spoke with was very helpful in getting me registered on the portal. I was having technical errors pop up on Chrome & Internet Explorer.

Very appreciative toward for these leaders in this sector, Happy Holidays, very nice people, .... thanks for taking the time to answer my request, .....All the best, MW

Jerri is very responsive and a pleasure to work with.

Decent insurance. I am an independent contractor, so I don't get insurance through my business. I purchase short term insurance through Allied National, and they actually "discount" services received more than most major medical plans I have had. For my family of six, it would cost close to $2,000 per month for an Obamacare plan, which is my opinion is the most horrible health law every written. No idea how/why Obama came up with that, but it's awful. We are healthy, and we save our money so that we can pay up front for all minor services. We only use this insurance as "worst case scenario" insurance so if one of my kids got cancer (heaven forbid) we would not be bankrupt and out on the street. And the price is perfect compared to what I would be paying otherwise!

I find what this company has to offer on group health insurance products is second to none.

I was treated with kindness and professionalism. He was very kind and patient!

Worst insurance company ever! Nothing is covered and they charge you for everything and trick you when you sign up. Very misleading. Do not go with this company!!!

Allied National and Jill Carroll are very helpful with training and quotes. Whenever I call, Jill is always happy to help and is thorough in explaining how their products work, walk through the quote and sold case processes, and provide me with material.

The short term medical is an excellent choice for bridging a gap between employers. Allied National paid their bills just as the policy stated and we are very happy with their service.

Fake insurance. If they phone you, it's to trick you into invalidating your claim.

Love the group plans and administration - great job!

A true family run health insurance entity run by the three Ashley brothers and a super smart team of executives. 48 years in business which is so rare. Insuring companies with 2 to 99 employees. Dan Meylan is a gem of a guy.

This company lied to me, my hospital and my doctor. The denied all claims based on preexisting that they said was covered initially. they were investing preexisting for months and didn't disclose that they were, and approved a surgery. told my doctor, hospital and me that it would be covered 100% after deductible. Had they said it may not be approved they were waiting on medical record reviews the hospital wouldn't have even done the surgery, nor would I. They have been stonewalling on bills as far back as January. Saying they were pending to me. Told the doctor they were waiting on information from me. Then Id call and they'd tell me there was nothing more I could do. Running us all in a circle around each other. I will sue them until it kills me if I have to. I have nearly 30,000 in unpaid claims due to their lies, and run around games.

DO NOT GO WITH THIS COMPANY...
SCAM ARTISTS, LIARS AND NO CUSTOMER SERVICE. 10 MESSAGES OVER 5 WEEKS AND NO CALL BACK!!!!! FIND ANOTHER COMPANY!

HORRIBLE HORRIBLE HORRIBLE Allied National and Health Insurance Innovations are the absolute worst companies in America. They cost us so much money for ZERO coverage, they never answer the phone and when they do they are super rude. BEWARE: they are not compliant with Obama Care so you cannot get a 1099 HC form for your taxes - you will owe money to the Feds at the end of the year after giving thousands of dollars towards worthless insurance. We are filing claims against them both with the BBB and we urge all of you to do the same!!!!! Let's get our money back!

Working for a provider, the 866 # that is given to the patient, continues to ring. No one answers the phone to find eligibility.

Terrible customer service, every thing will be considered pre existing whether or not your Dr. proves it was not.

If there was a way to give them zero stars I would. THIS COMPANY IS A SCAM. They cover some prescriptions and not others, covered my dads physical exam but told me mine wasn't covered, and when we called to complain they claimed they sent us 6 pages worth of things they don't cover, which is an absolute lie. Rude, unhelpful costumer service. No one seems to know what they're doing. Worthless company.

Terrible insurance company! I would not recommend them to anyone.

Fast, efficient... It seemed like she was always one step ahead of my next question, awesome experience.

Don't do it. These guys are awful. You can never get anyone and if you do be ready to be on the phone on hold for hours. Their customer service is terrible. DON'T use these guys.

Terrible company and a total scam, I moved to a new state and had to get a new general physician to continue a perscription for welbutron, the denied every doctor visit claiming preexisting condition so on top of 150 dollars a month i was then stuck with 500 dollars in dr bills, it would have been cheaper to have no insurance and just pay myself. they put you on hold for hours and you have to call again and again and all you get is all circuits are busy. This company is a perfect example of what is wrong with the health care system in this country. And just for the record they are not part of the insurance market place.

THE WORST CASTUMER SERVICE!
Everyone who we spoke with regarding our clam were so rude and unhelpful. They don t listen you or what you asked. Every time they have new answers for the same question. They just want get you out of the phone as soon as possible. The worst benefits as well. Never again.

Worse insurance company ever. Did not pay any of our medical bills. Said they would cover pre-existing conditions which they don't plus they're hand book is full of things not covered by the insurance which they don't state when they are selling you the product. Obama Care at its best!!

Hello,

My wife and I would like to thank Jill Carroll for her help in resolving an issue that we had with our insurance provider. Jill was very helpful in directing us to the proper contacts which ultimately allowed us to resolve the issue.

Had she not been there for us, our insurance coverage would have been cancelled, and we would be facing tremendous hospital bills that would have otherwise been covered.

Thank you Jill, for your attention and care.

We truly appreciate it.

Sincerely,

Michael and Pamela Baskin
Charlotte, NC

The representative I spoke with was very kind, patient and helpful!!!

I have worked with the PPO and Reference based pricing programs. Both products are rated comptitively, and serviced with excellent attention to detail. Especially with a Reference Based pricing solution, the customer service and support in a balance bill situation is the most important piece and Allied National is a standout in this area. Kudos to the entire team.

Will not pay for anything will be looking for something else!!!!!!!!!!!!!!!!!!!!!!!!!

This company is a total scam. I got insurance through them while I was waiting for my new company's insurance to kick in. I asked very specific questions regarding my medical condition and coverage. They stated I would be covered. The company waited until I canceled their services 6 months later before sending me a bill for my uncovered medical charges. Stay away from this company at all costs.

Jason was wonderful and answered all of my questions. He was very patient as I was beyond frustrated with deductibles and bills. He explained everything to me and I feel 100% better!

I've been calling for 3 days. I've still not been able to get through (spent over 3 hours total on hold, and still my call is never picked up) to talk to someone about my outstanding claims. They say to leave a message and your call will be returned by the next business day. 3 days of messages and no call returned. Almost a year later (October) only 2 providers have received payments. WORST CUSTOMER SERVICE/INSURANCE COMPANY I've ever worked with. DO NOT USE THIS COMPANY!

UPDATE: I am still fighting this fight over 2 years later. Seriously.

I've worked with Allied National for close to ten years. They are very responsive and the staff is professional and courteous. I've never had an issue that wasn't resolved in a reasonable amount of time. WONDERFUL group of people to work with!!

I strongly recommend not working with this company.

They claim to negotiate pricing with healthcare providers. This sounds nice in theory but goes poorly in practice.

Here's an example (and my experience): You go to the doctor. Allied National sends you an explanation of benefits with the amount you owe. Your doctor (i.e. the hospital) sends you your bill. The numbers do not match up -- Allied says you owe less (e.g. $35), while the hospital says you owe more (e.g.$80). Allied calls this a balance billing issue. You contact them, or try to contact them because they're not very responsive. Eventually, they say they will handle it. They don't handle it. The hospital continues to pressure you for payment. You receive final notices in the mail with threats to send your balance to collections.

Now imagine this same scenario with a significant amount of money.

EDIT: Thanks for responding to my review. If you responded to customer service issues as quickly as you responded to this negative review, you'd have a respectable company.

Excellent group insurance benefits. Priced well below Blue, United Aetna etc.

It's great to have real people I can contact to resolve any issues that may arise, quickly and efficiently! Great company to work with.

As an agent in south Georgia we represent Allied National. Allied writes group health coverage. They are an awesome company with very competitive rates in our area. Their staff is wonderful. They always go the extra mile to help our clients, and us, the agent. This we greatly appreciate. Thanks Allied National, we truly love working with you!
Donna Ingram, Whiting and Company, Albany GA 31721

Terrible company, terrible customer service, a TOTAL waste of time and money.

Worst customer service. Extremely rude, and I was told they have no list of their providers, I need to find it myself. I asked for a supervisor and the girl hung up on me. This was after being on hold for 40 minutes just to get to the nasty girl.

Words cannot describe how laughably bad the customer service is. They simply do not care about you or your health insurance related issues. Ridiculous hold times to get the most basic questions answered, only open M - F, 8 - 5. Did I say 5:00? I meant 4:30, and they mean 4:30 exactly. Do not call after 4, because by the time you wait on hold for 30 minutes minimum, their offices will be closed. It seems that they routinely screen calls near 4:00 - 4:30, because they know if they can hold out another 30 minutes, they won't have to talk to us annoying policy-holders. If you have any influence whatsoever at your place of work, strongly advise your HR department to stay far, far away from the horrible practices taking place at Allied National. Simply put, the available plans are bad and overpriced and the customer service is even worse.

The automated response when you first call in to Allied National is "we are experiencing higher than normal call volume, wait times are extended". This message never changes. Every single time I have called I have waited at the very least 20 minutes, which is absurd. If you can't afford to hire more workers to answer phones, stop taking on customers whose employees need their health insurance related questions answered.

I have typed this review up as I was waiting on hold to speak with one of their less-than-sympathetic reps, and although I am done reviewing them, I am still on hold. Currently at 18 minutes and 47 seconds. I will continue to share their horrible business practices.

When I started my job, I called Allied to make sure one of the medications I take was covered by them. They ensured me that it was (this phone call took the average 30 minutes). When I went to the pharmacy, they indicated this medication was not covered. I called Allied and waited on hold for roughly 30 minutes, again. As I looked through the medication formulary and benefits overview (while I was on hold, so I had ample time to read every word in the packet), the medication in question was clearly listed, the generic was clearly listed as well. I looked for any sort of disclaimer or exception, there were none to be found.

By the time I got someone on the phone, I was told that the medication in question is covered for people under the age of 18 only. I asked where in my benefit package or formulary that was listed, and was told "I don't know what you were sent". Great.

When I said I felt there were egregious misrepresentations in their benefit packages and formulary, and that I should maybe contact a lawyer about this, the rep quickly told me they can make an exception for this medication if my doctor signs a "prior authorization" for it, indicating that I do indeed need to take this medication. That is interesting and concerning on several levels, the first and most glaring concern is that a prescription written by a doctor is inherently "prior authorization". When I raised this point to the rep, they indicated that I could pay for the medicine out of pocket, but if I wanted to have it covered, I had to jump through their hoops (which are obviously designed to discourage policyholders from taking full advantage of their coverage). Fine, I can jump through their hoops, even though a signed prescription from my doctor is the definition of "prior authorization". The second thing I was concerned about is that the "exception" for this medication was only offered after I said I might need to contact a lawyer. To me, this speaks volumes to the business practices taking place at Allied National. They want to deny coverage whenever possible, unless you threaten litigation, then they will fulfill their mandate to provide you basic health insurance services. What kind of company operates this way? Do you really want to deal with a health insurer that you have to threaten litigation to get anything done with?

I am currently at 29 minutes 30 seconds on hold waiting to ask a very simple question. I am out of characters on this review, but I am still on hold. Avoid this company like the plague. You will only be frustrated