Worst insurance ever. I don't even want to give it one star. They charge me every month, yet every time I try to go to the doctor or fill a script somehow it shows inactive. Spent hours on the phone with them and still having problems.
This is the biggest scam of all time. Refuse to send my refund and continue to bill me 4 months after my policy was canceled. Even have the nerve to hang up on me when I call to try to sort it out like I've been trying for the last 4 months. SCAM your and idiot if you use these people I have paperwork to prove
I still have this insurance but I hate it. Long hold times. Ridiculously long message with too many choices but none that gets you to a human being.
Consumers' Choice Health Plan has provided me a great insurance plan as well as great customer service whenever I have call to ask questions. Their rates are very competitive and the plan I chose provides better coverage than what I had with my previous vendor. I have been with them for over two years and have no complains. As with anything, there are systems issues at times, but I am confident they are aware and will address any issues as quickly as possible.
So far so good. They cover my medications and doctor's visits are $5 even if I haven't reached my deductible. The deductible is so reasonable for 3 people. Way better than my previous State insurance. There was a medication I had to get a preauthorization for, but it was cosmetic and took about 1 week. Customer Service has always been prompt and polite.
ZERO CUSTOMER SERVICE, "SUPERVISORS" HIDE FROM CALLERS, EMAILS IGNORED.
This health insurance may seem affordable on the surface, but if you go to the ER make sure you ask the doctors whether or not they accept your health insurance. Otherwise you will be hit with massive bills. The consumers choice website lists hospitals that are covered, but doesn't specify whether the doctors at the facility are. This caused huge huge problems for me and I am now trying to appeal the fact that I went "out of network" when I made sure I went somewhere that was in network. On top of that, when I called the 800 number to begin this appeal, a woman named Jennifer provided me with the most awful customer service I have ever received. She would not let me speak, talked over me from the minute I started explaining my problem and was beyond rude. I asked to speak to her supervisor and she said I would receive a call in 24-48 hours and then tried to hang up on me. I was completely appalled. This is supposed to be affordable health coverage, after paying a premium every month for over a year and having 1 major incident where I needed to go to the ER and then being hit with bills totaling well over $1000 to be paid immediately, this is not affordable for someone in my financial situation at all. It is very frustrating and deceiving.
worst... insurance... ever... if there is something they could mess up, they have. the only service they are good for is reducing your life expectancy, if that's something you are interested in.
WORSE INSURANCE EVER!!! I really don't know where I should begin with this horrible company! I really wish I would had looked up the reviews before getting myself in this situation! From the beginning it was just me on the plan on March 17th I gave birth to my beautiful son THEN when we went to his first doctor visit they called to make sure he was covered they proceeded to tell them I was terminated on March 17th so I called to find out the problem that no that was Hus birth date and I had paid every month on time the lady said she saw me on their and and saw where they paid for his birth but couldn't figure out why he wasn't on the plan anymore!!?! So let me get this right the person who works for the business can't figure it out??!! in my mind I'm thinking lady I can't help you figure it out!! my very anger husband was tired of waiting with a very fussy baby in a loud waiting room (on the phone 45 mins) so he said just hangup we will pay out of pocket and send a claims in when you can talk to someone who knows what they're talking about! HORRIBLE idea once I got home I called and got a lady who helped me out and said everything was fixed and she was sending the claims to billing OK next doctor visit we go to ( baby's go to the doctor every what seems like week when they're first born) the SAME thing happens but a little different they say this time I'm not covered cause I hadn't paid( UM WRONG answer) so I tell the doctor to wait I will call and get it straight call talk to a lady who says she doesn't see where I'm up to date with payments I just tell her to transfer me the next lady was like no I don't know who you were speaking to you're fine so I hand the lady at the office the phone to get the OK. The next office visit the SAME thing happens exact same thing. Mean while its been almost 2 months and no check for my first visit is here I call to check and a lady says the billibg department is sending it back saying MEMBER isn't covered!?! Can you please tell me how that makes sense my member isn't covered she looks and says I see no reason why he isn't covered on his first doctor visit I'll send it back to billing to call and check back next week. I goto ythe doctor yesterday for his check up its the same lady I always deal with and she says I saw you were coming and we always have trouble with your insurance so I went ahead and called them to get the OK so you don't have to wait 45 mins again but they said you cancelled your insurance needless to say I waslivid by tthis point! She was like I figured I'm sorry let me call again 20 mins went by I go back up front she says there a hot mess up there her exact words its bad when your doctoroffice is tired of your iinsurance company as well! She's on hold and tells me they say you didn't pay but he says you have paid 3 payments since he was born which he's 2 months so no you haven't so he's trying to figure out why! I then call myself while she's onhold sshe's at work and can't be rude but I can since I'm past fed up with this company the first lady I talk to says no you're fine THANK YOU so just a 30 min wait to get the OK instead of 45 min yay we made progress (eye roll). Today I call back to check on my claims again and today I got a bill in the mail from his hearing test they say my insurance didn't pay so I tell the guy everything that's going on he continues to tell me he sees nothing past march 17th aggravated mommy sets in and THEN like magic he sees what I'm talking about and tells me all bills for kamden is being rejected I tell him I'm NOT paying this bill that I just got in when I have insurance that's the point of insurance that I needed to know why dumdass billing keeps rejecting his claims the only thing he says is I don't have an answer for you I wish I did I'll send it back to billing!!!! Beyond pissed off IF I was a crazy person this is how your office gets shot up so do yourself a favor and don't choose this space cadet insurance company!!
It is very challenging to get to speak with an operator, and it is next to impossible to cancel once you are their victim..uhm customer!
This is the worst experience I've ever had with insurance companies! I was sent to the ER in May 2015 with chest pains by my doctor. Turned out the particular hospital was out of CCHP's network. Now I'm stuck with an enormous ($7500) bill for one visit to the ER and few tests. CCHP refused to pay a dime.
Signed up my family for a Gold Plan back in mid-December and as of January 31st they still have not sent ID cards to either my spouse or my son, just me. I've contacted them about the problem several times but it has yet to be resolved. I get the impression they're not very organized.
I wish I could give no stars for your service your company is crap I just received a bill for an insurance claim when I haven't had you for three months prior to the bill you're sending me I will fight you tooth and nail insurance when I hunt you in or did you cover my insurance when I had you sounds like a lawsuit to me at this point
If I could give this company a 0 star rating I would!
The customer service is beyond HORRIBLE! Reps refuse to give you their name, they claim they can help you, but then unknowingly transfer you to a main 800 with a wait time of over 30 minutes to speak to a rep!!! Are you serious? Don't even think about calling them after 4:30 (even though they are on the clock til 5) they just want to go home and any minuscule amount of empathy their employees possess goes straight out the window. The whole time on hold you are listening to the recording it goes on and on and on and on and on about how you "time is important to them" and that they "appreciate your patience". LIES LIES LIES! if they truly did believe that my time was important, they would get off their lazy butts and WORK! and they may appreciate your patience, but you patience will run out on them very very quickly. Maybe the management should reconsider who they hire, or maybe just decide to manage the employees they do have!
Wow, I compared a lot of plans when I signed up back in January of 2015 and could find nothing but either good or great reviews about this company and oh my lord, how things have changed! They were, and probably are, one of the least expensive plans on the South Carolina Marketplace site. They also have some of the lowest co-pays and out of pocket expenses that I saw listed. That being said, there's an obvious reason for that; they have not invested anything in customer support! I could not believe that I had to consider things like, where to have a blood test done that my doctor wrote a prescription for. The doctor, that was part of their network and had an office that was in a hospital that was part of their network didn't have a lab that was part of their network! This is one of their network hospitals! How is that even possible?? So, I took my prescription for the simple blood test home and called the Consumers Choice support number to get the name of an "in network lab" and like others have said, before you even get to talk to an actual person, you have to sit on hold for a ridiculous amount of time (at least 45 minutes-every time) and listen to a continuously looping message that will make you think "they just want me to hang up", and you would hang up, if you didn't absolutely have to speak to someone about an important question. Your reward for not hanging up, when they do finally reluctantly pick-up the phone, is to speak to someone who literally seems to know NOTHING about your insurance plan or any of the services associated with it and is just as irritated as you are! Sometimes I had to hold their hand and calm them down, before I could blow up! To make it even worse, the number that they eventually did give me for the lab, WAS THE WRONG NUMBER AND WASN'T EVEN A LAB! The best service I have had with this company to date was when I posted a complaint on their Facebook page about not being able to download my temporary insurance cards. That received an immediate and very competent reply and for that, I will give them a 1 star review for now. Hopefully they'll improve quickly!
Buyer beware. They have taken my money eagerly every month yet they will not send my family cards. I have called several times and they say they will get it straight but its not. We have paid for all our pharmacy out of pocket full retail even though we pay for a pharmacy plan. I have lost hours of work day because they are not open after hours. I will get a rep that tells me she will take care of my pharmacy benefits but the pharmacy is still told by Catamaran (the manager of the pharmacy benefits for consumers choice) that we do not have coverage. Im being passed around and the fact that they are not open except regular business hours and they put you on hold for a long time after you go through a terrible automated system makes this company a loser. Im switching as soon as I have 3 days off to deal with insurance. I am hoping this review will get me results because nothing else has worked.
Horrible. Horrible. Horrible. Took all our money gladly for premiums and deductible and then refused to pay for my daughter's delivery. It has been over 4 months now and we are spending our precious time that should be reserved for our new daughter on the phone with these people. Today a representative hung up on me. You might as well pay cash for your medical bills - I know I am... in addition to all the money these goons have taken from me.
Negative stars would be nice. They have paid medical claims, but the pharmacy coverage is a disaster and the billing system is a total mess. Since January, I have probably spent over five hours on hold with their customer service, trying to resolve continuing problems. I've even been told that the payment tracking system was adding when it should be subtracting - really!
Worst insurance ever. I don't even want to give them one star. Negative 5 stars would be an understatement.
This has to be the worst company for customer service in the world. They take 6 to 12 months to respond to customer issues, never return calls or emails and are always losing customer data. Their web site was designed and programmed by retarded monkeys - the worst site I have every seen. Most months they lose my payment.
Was really happy at first... Good prices and coverage with the Bronze 13 plan, or so it would seem. Suddenly this month I was notified that my coverage had been terminated. I had forgotten to set up automatic payments, and I am a student, so I got really busy at the end of the semester and forgot to pay my premium. They send me endless junk snail mail, but never contact me via email or phone, so I had no idea my policy was delinquent. I get the Advanced Premium Tax Credit though, so they are BREAKING THE LAW. Under the ACA, they are REQUIRED to give a 90 day grace period on catching up with premiums, and during the first month, they must pay all legit claims. Well, I am still in the first month of delinquency, and they terminated my coverage and would not cover my prescriptions. So here I am, it's the weekend, and I am about to start going through withdrawal from my medication, and their office is not open. I had to pay out of pocket for a few pills, and I am hoping I can straighten this out during business hours. If not, they will be hearing from a lawyer. I will be reporting them to the state regulatory board as well. I was really excited at first that this was a non-profit organization, but now I just can't understand why they are so shitty.
I have been having trouble with my prescription plan since last year. Every time I go to pick up my meds Wal Mart tells me my pharmacy benefits have been cancelled. Which makes no sense b/c my premiums are usually paid by the 20th of the month before. What ends up happening is it takes a few weeks to get the benefits reinstated and I suffer from withdrawl from my medication. I go back and forth with customer service both from the prescription and actual consumer's choice. The last time the representative tried to deny talking to me, even though I had written down her information...I am getting ready to pay a higher premium and switch. customer service is very inefficient and not knolwedgeable about the product.
THIS PLACE IS A RIP OFF !!!
I am so mad and fed up with this mess . I get a bill for almost $181 for insurance I never had . I got a letter in Feb . telling me I didn't qualify for insurance so I went out of state for Feb-April get home go to post office find one bill for over $300 and a cancellation notice , then I go back to market place like the guy from your insurance company told me go back to market place and reapply I got a tax credit and was asked to pay $6.75 for some choice 10 plan then I paid that and went in and seen I could change my plan and choose a better plan Silver 2 and paid $19.75 for it . WHAT THE HECK IS GOING ON WITH YOU ALL . I CAN';T PAY NO $181 FOR NO DARN INSURANCE . YOU ALL NEED TO STRAIGHTEN THIS MESS OUT WITH MARKET PLACE . I PAID WHAT WAS ASKED OF ME AND STILL HAVE NOT GOTTEN ANY CARDS . I HAVE BEEN RIPPED OFF AND LIED TO BY YOUR COMPANY AND I EXPECT YOU TO TAKE THE $181 .00 UP WITH MARKET PLACE FOR IT IS THERE SCREW UP . I WILL TAKE MY SILVER 2 PLAN IF IT IS ONLY THE $19.75 A MONTH IF NOT YOU AND THE OBAMA MARKET PLACE CAN KISS MY SITTING PLACE FOR THIS IS NOTHING BUT A SCAM SO FAR., DON'T TRUST THEM THEY LIE TAKE YOUR MONEY AND YOU NEVER GET YOUR INSURANCE CARDS AND KEEP GETTING HIGHER BILLS FOR SOMETHING YOU WAS TOLD WAS CANCELLED IN APRIL.
Many issues. They are dealing with some growing pains...if you stay with a problem and get past the call center people, there are people who will help. Cost on plan and coverage are good.
On the phone with them constantly with denied claims. With the Gold plan I've paid almost 3 times what they have if I include premiums, deductibles and co-insurance. They have a different excuse everytime. A few agents are polite but for the most part they get frustrated if they have to explain the ridiculous reasons. My last month on the plan and GOOD RIiDDEN.
This insurance is the least expensive when comparing other plans, however only MUSC and Trident accept it, not crazy about the drs that are in network, MUSC drs change frequently, Trident is not close to me, Labs listed on the website were not in network this too changes ofton, so before making appt and doing bloodwork, call ahead, this insurance is better than nothing, hope to buy something better in the near future
cchpsc.org