| Date Submitted: | February 13, 2008 |
| Insurance Provider: | Today's Options in Wisconsin |
| Coverage: | 1 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 1 out of 10 |
| Cost: | 2 out of 10 |
| Recommend: | No |
| Review: | Todays Options RIP OFF! After deducting their premiums from our account for 8 months, we realized that Today's Options insurance had stopped doing this. Before we noticed this my husband accrued doctor bills, ambulatory surgery bills, etc. When the company,was contacted, we were told that my husband had never been insured because medicare Part B had not been instated in time. When my husband signed up for this advantage plan with a starting date of April 1, 2007 he made it clear that he needed to maintain his own insurance for an additional month in order to have COBRA coverage for me, his wife, till I turned 65. We were told by the district manager, who sold us the policy and the customer service dept. of Today's Options that the coverage of Medicare part B needed to begin within 30 days of the starting insurace date. It Did! Again, starting date 04/01/07...Part B date 05/01/07. We received no notice of any eligability problem so that we could have delt with it. So,although he has a document and a card stating he had coverage... although they took our premiums for 8 months they say my husband was never covered so will not pay the incurred bills. I might add that the company sent us a letter stating rate increases and the booklet of 2008 benefits but NO NOTIFICATION of a problem. Our demands of a rebate of our premiums have also fallen on deaf ears. We are now being flooded with bills stating "insurance denied". STAY AWAY FROM THIS COMPANY! |
| Submitted by: | BZ 64 year-old :: Female Reviewer :: Menomonee Falls, WI |
10 comments for this review
| Comment by: Diane Hatfield From: Coatesville, Pa October 7th, 2008 |
My father actually has medicare. The same thing that has happened with you also has happened with my dad. These people are rip offs. The representative came to house to explain how Todays options work. Then left application and brochure. After reviewing the information, I told them we were not interested in this insurance because dad already has medicare, he just needed a supplemental insurance. This man forged the paper work, enrolled him and since January we have been trying to get the medicate back. We had no ideal that they actually contacted medicare and gave medicare information and took that. Medicare was still deducted fees from dads check, we did not find out that my dad did not actually have medicare until the bills starting getting returned and todays kept sending us statements. The todays options first bill was for about 40.00. I have called and called telling them that we did not want service, now their bill is up to 1000.00 and they are still trying to steal from medicare. I tell you anyone reading this, if you take this insurance, you will be sorry, they are a medicare scam. They are professional crooks, that strive on old people. Do not do it. |
| Comment by: Chris From: Fort Smith Arkansas March 23rd, 2009 |
I work as a provider and I see their scam every day. Getting them to pay the bill is difficult on a good day. These people should be avoided. All calls to their 866 line go out of the United States. Very frustrating to try to get ahold of any of them. |
| Comment by: DAVE LAZARUS From: INTERLOCHEN, MICH April 26th, 2009 |
THEY ARE VERY QUICK TO DENY RX'S TOO.. I AM DIABETIC FOR YEARS, AND THIS LAST PLAN YR I DECIDED TO CHG TO TODAYS OPTIONS.. A ROYAL "PAIN"..CONSTANTLY TURNING DOWN RX'S REQUESTED BY DOC.. WAS CHANGED TO BYETTA..THAT TOOK FOR EVER TO BE APPROVED, NOW I HAVE TO UP MY BYETTA ..NORMAL COURSE OF EVENTS ..BUT AGAIN HAVE TO WAIT/FIGHT THEM FOR APPROVAL AGAIN.. AND TODAY THEY JUMBPED BY TEST STRIPS FRM 5$ TO 20$ ?? AND YES THERE "HELP" DESK IS SOMEWHERE IN THE PHILLIPINES..AND UNDERSTANDING ENGLISH...THAT'S A LAUGH.. HAVE NOT FOUND PH$ FOR IN THE STATES YET, SHORT OF A "NURSING" NUMBER.. I DONT THINK I WILL BE USING THEM NEXT YR AT ALL.. |
| Comment by: barbara russell From: eureka springs, ar September 19th, 2009 |
I signed up for Today's Options last year and it sounded good, at least according to what the "representative" said. He said they were an outsourcing agency for Medicare. I opted for the free one. Yesterday I went to my regular doctor and he recommended that I switch back to regular old Medicare A & B, which I hope I can do soon. He said that a lot of doctors won't accept Today's Options. I called Today's Option yesterday and, at first, was told by the lady I was talking to that there were only certain times I could cancel. She left the line and then came back on and gave me an address in Houston to write and ask for a "dis-enrollment." I did write a letter and hope I don't have any problems. I also intend to write an e-mail to Medicare to tell them what I did, just as a backup. |
| Comment by: James Nelson From: Fairborn OH 45324 December 1st, 2009 |
Thank all of you for your input on this company. I am though sorry that this happened to you. But I beleive that you people saved me alot of money,time, and trouble, and for that I thank you. |
| Comment by: Clifford Bryan From: Pocatello, ID January 28th, 2010 |
All retired state employees over 65 were suddenly cut off by Blue Cross, leaving us with the job of wading through countless insurance programs. I did select this plan, but their mailings were consistently sent to the wrong address and arrived two weeks late. Then, after a notice that I had not paid the bill (I had), I called and got India. They replied that they were too busy to provide assistance. If it is this hard to pay one's bill, how hard will it be to get assistance if I actually do need it? |
| Comment by: Tripp Sherard From: Columbia SC April 6th, 2010 |
First of all i want to say i am sorry that you all are having trouble with today's options. I am an angent that sales the medicard advatages plan today's options pffs as well as the ppo. While these plans are very good they are not for everyone. The first thing i do is make sure the client's doctors accept todays options. Then check to make sure that the prescriptions that the client is on are covered by community ccrx. If both things are true i then explain that this is a coverage that fills the gaps that people are exposed to by just having medicare part A and part B and also explain the copays. Sold in the right way to the right customer it really is a benefit to the client. the outsourcing the customer service has been solved and i have seen a great change in the customer service. I realize that from some your experiences that insurance agents are the scum of the earth but i just want you to know that not all of us are. I take great pride in my line of work because health care to people on a fixed income is very big burden to the senior market. Yes i make a living selling to the senior market but i have a great relationship with all of my clients and at no time do i sign someone up for an advantage plan unless i am certain they understand how the process works and also make sure that i am their contact for a problem not todays options. For the most part the agent can get answers a lot quicker. Again i am sorry that you have had a bad experience but i promise these plans are very good for the right customer and as long as the agant is doing their job then these plans are really beneficial. The reason being is the gaps in medicare can leave a lot bigger bill then just the 1000 dollar bill from one of the people with a complaint earlier. |
| Comment by: Margie Brown From: Columbia, Maryland April 12th, 2010 |
Could you give me your MA Number |
| Comment by: PAT SALERNO From: LAKE HAVASU CITY ARIZONA April 12th, 2010 |
I AM A MEDICAL BILLER FOR AN ORTHOPEDIC CLINIC. I HAVE HAD TWO VERY BAD EXPERIENCES WITH TODAY'S OPTIONS. LAST YEAR WE RECEIVED A REQUEST FOR A REFUND FROM TODAY'S OPTIONS FOR A PATIENT WHOSE A/C HAD BEEN PAID BY TODAY'S OPTIONS. I CALLED THE PATIENT AND FOUND THAT THEY HAD BEEN HAVING PROBLEMS WITH T.O. FOR A YEAR, PAYING PREMIUMS AND NOW T.O. SAID THE PATIENT WAS NOT COVERED - BUT WAS COVERED BY M/C I WENT AHEAD AND BILLED M/C & THEY PAID THE PATIENT'S CLAIM. SO THIS MEANS THAT NOT ONLY WAS THE PATIENT PAYING T.O. PREMIUMS BUT THEY WERE ALSO BEING DEDUCTED FROM THE PATIENT'S SS CHECK. I TOLD T.O. THAT THIS CERTAINLY WAS A FRAUD & THE RESPONSE WAS THAT "I AM ONLY A CLAIMS REP" MY PROBLEM NOW HAS BEEN ALMOST A YEAR WITH ANOTHER PATIENT WHO THEY PAID HALF A CLAIM ON AND LEFT A HUGE BALANCE. I HAVE APPEALED THIS IN WRITING, REFAXED TWICE , SPOKEN TO AT LEAST 1/2 DOZEN PEOPLE, SO CALLED CLAIMS PEOPLE, A CLAIMS SPECIALIST AND TODAY I FINALLY ASKED - ARE YOU IN THE USA? WITH GREAT HESITATION I WAS TOLD THAT THEY ARE IN THE PHILIPINES. YEAH!! OK - NOW A PERSON IS GOING TO EMAIL THE "CLAIMS SPECIALIST" WHO IS TRAINED IN THIS (WHO OBVIOUSLY ISN'T DOING HIS JOB) AND I WILL GET A REPLY. THANKS FOR ALLOWING ME TO LET OFF THE STEAM. I AM NOW GOING TO SPEAK TO MY ADMINISTRATOR ABOUT NOT SEEING PATIENTS WITH THIS INSURANCE. AND =- IF I UNDERSTAND THEIR ANNOUNCEMENT ON THE PHONE - THEY ARE NOW TAKING OVER UNIVERSAL HEALTH CARE. |
| Comment by: D Graves From: Lithonia,GA May 17th, 2010 |
Hello all and I agree that the advantage plans are not right for everyone either.I am a licensed broker serving four states.I agree with the other person who is a salesman.While we make our living in this market no amount of money is worth misleading people.I also sell med supps for a very good company.Sounds to me you need a better broker or agent.I have a client base that has been satisfied with me.That is the first thing...find someone that is more about helping than making a dollar....I serve GA,NC,VA AND SC..the plans change often so be prepared.Knowledge is power!!!!!! |
|
|
Related Sites & Information |
|