| Review: |
Run away as fast as you can
I was thrilled to find a health insurance plan that appeared to be reasonably priced. The co-pays seemed in line with other carriers and my doctor participates in their program. They also boast about their "no referral required" policy. What I did not realize was that every breath you take has to be pre-authorized through the company. I have a chronic illness which requires daily medication for the rest of my life. If I skip a day of medication my body begins to build up immunity to the medication which could eventually cause my death. I was informed that the pre-authorization would only take 72 hours. Unfortunately, it took Atlantis six weeks to pre-authorize the medication - which left me without medication for three days. While this is a lifetime med, the company requires pre-authorization every 90 days - which I just cannot understand as this is a waste of time and money for the doctors as well as the insurance carrier - not to mention the insured! They also require that you use their mail-order pharmacy out of Ohio but will not authorize the release of the medication until you have completely finished the current month's prescription - once again leaving you without medication for a number of days. Every insurance carrier I have previously had, allowed a 90-day supply of long term medication if shipped from their mail-order pharmacy. Atlantis will only authorize a 30-day supply. I highly recommend that you read all the small print if you proceed with Atlantis but I strongly suggest that you stay as far away as possible. It may seem like a good deal but that couldn't be any farther from the truth. |
