Community health options Review

I was a MCHO member from January 2017 till December 2020 because few options were available for Maine residents when Obamacare became available. I was always frustrated with MCHO from day one over many things: super long phone wait times the first 1 1/2 years, high premium costs vs other states, and inability to autopay premiums to a credit card (bank account only). So the past 3 years, I paid my premiums using Bill Pay from my bank but mistakenly overpaid in December 2020. At the same time did not renew my MCHO membership for 2021, so I called December 31, 2020 to request a refund of the overpaid premium and was told a check would be processed. It s now 3 weeks and I still haven t received a refund. After a 2nd call on January 20, I was told it actually takes 45-60 days to process refunds. Whaaaaattt? MCHO, your inefficiency amazes me. Know this: my husband and I will never return to MCHO, nor recommend your services to anyone.

absolute trash of an insurance company. Avoid like the plague. As with others leaving reviews, my credit card payment lapsed due to an expired card. Nobody got ahold of me and my insurance was cancelled without my knowing.

I was denied preventative screening coverage that has been provided by every other insurance company that I have ever used. They hide behind a flimsy website that does not advise its users that the coverage does not exist. Regrettably all I can do is give this company one star and hope that if you are an employer choosing insurance companies, that you do not choose Community Health Options.

Account was set up on auto pay to my debit card, however my card was never charged and my coverage was terminated due to non-payment. Although they claim they sent out a letter advising me of the termination, no such letter was received. I only found out I did not have health insurance after a NEUROLOGY OFFICE called on the day of my appointment to tell me that they were informed by community health options that my coverage had been canceled. Called CHO up, and was told what happened, however because I was now outside the 30 day grace period, I now had to wait to sign up until open enrollment in November. I will never do business with these people again!!!

I m feeling this company is terrible for overall services;long wait to speak to someone else then transfer back and forth regarding billing issue. Because of Obama care and he has to buy his own health insurance to avoid penalize. He has been using this insurance awhile and always paying $69.87 with credit tax subsidy. In this year Jan, my first statement received is zero balance following by Feb total charged of $1347.74. We were so surprised no additional letter and phone explained or notify why is this. Until took so much time to speak with a proper person explained technology issue then removed to $673.87. This is an individual charge and why would my brother wants an insurance charge him so HIGH while he never use it at all. We questioned why then advised because he has no tax credit subsidy then we requested to cancel it. If that s the case should they need to notify the insurer or send out notification whether or not to continue. The worst is we want to cancel it immediately we noticed it and they dare asked the responsible for $400 because the new month kick in and have to pay that 10 days. Seriously is this a scam to focus people without agreement or notification. I highly recommend everyone not to use this company and please shop around.

Despite having autopay set up, they never charged my account and closed it without notification. I went without health insurance without knowing for several months. I called to fix the problem and was assured the policy was reinstated- it was not. Now I have to pay $1K for a medical bill and I have had no health insurance since at least April and they said that there was no record of any of my calls.

To top it off, these policies are incredibly expensive for how little you actually get.

I have asthma. I use a maintenance inhaler twice a day to control my symptoms. It is now costing me $580. every 90 days for this medication due to my deductible being over $6,000. I did my own research and found a generic inhaler that could cost as low as $49 and still offers the same benefits as my current inhaler. I called Express Scripts to ask if it would be covered and was told that because it is a "non-preferred medication" that it would actually cost me $845. every 90 days. Is the cost higher because you won't make as much money on the non-preferred medication? I thought this was a non-profit company? Please explain. According to the customer service rep at Express Scripts, the cheapest alternative to my current medication would cost me $480 or about $2,000 per year. Thank god I'll be eligible for Medicare by the end of this year.

The company I work for switched health care providers a year ago. I wish we hadn't. They are trying to charge me 5 times out of pocket what Harvard Pilgram was. I called them and asked why it was so high and what I could do. They basically tried getting me to do mail in orders, saying the would lower the price if I used there pharmacy. Due to work I am never home, this is not an option. They are playing with our health and money and it's not okay. Stay far away from this insurance if possible!

I have had very good experiences with this provider so far. I'm not sure how anyone can claim to discover certain providers are not covered in-network, since the marketplace is designed to select only options that cover what you ask it to. Because of this, the medications I have been on, and the specialists I have being seeing for years, as well as new ones that I am interested in, are all covered. No issues with proof of coverage either. My only small complaints are that my premium went up by about 15% this calendar year, and that the member portal has been down for several days which has forced me to use the particularly slow automated phone service.

Great customer service and competitive plan pricing.