Meritain Health
Reviews and Complaints

. It all started with signing up for Delta Dental in late June.

Our dentist only accepts Delta so I signed up for it and sent in my July payment coupon along with a check. A few weeks later I received a letter saying that Meritain had gotten the July payment but that I needed to send in an additional 64.43 for the added cost of Delta/ cost increases. They said for prompt attention so I sent in the check right away. That would have been July 24.

I even mailed it from Denver so it might get there earlier.

Today I went in to pick up my prescription and was told that my husband and I have no coverage! We both called Meritain and were told different stories but basically that until Meritain cashes the check, we have NO COVERAGE!

I have been sending in the coupons for Meritain/ Cobra for the past year on time each and every month. There is no reason to cancel our insurance based on 64 dollars I didn't know I needed to pay due to the increase. What if we had an accident or heart attack?

Nowhere in the letter informing me that I owed additional monies did they say we would be completely without insurance until they got the check!

Nowhere do they allow you to pay online or by phone! I understand "Old School" but this is highly unfair to deny coverage based on a decidedly archaic system with no flexibility nor kindness. Cobra is rather like the Wizard of Oz, no one has their number and the only way to communicate with them is through 48 hour turn-around emails.

Don't even get me started on Delta Dental because they are another entity from Meritain but Meritain signs you up for Delta. My husband made the fatal mistake of attempting to go to the dentist this month.

We had no way of knowing we weren't signed up but it turns out that it was more than the dental... until today.

Meritain, Cobra, and Delta all need to coordinate so that each company isn't blaming the other for mistakes.

I have dutifully paid each and every month. If Meritain wants to paid the correct amount when you make changes, then why don't they tell you to call instead of sending new coupons weeks later?

I had an Aortic Valve Replacement done that was preauthorized and approved. Meratain then reversed the authorization after the surgery was completed with no valid reason other then "not enough information provided".

The surgeons provided bucket loads of information, numerous supportive tests, echocardiagrams, and all that was needed to support severe aortic stenosis. I was a high risk patient and could not have open heart. The only alternative was for transcatheter aortic valve replacement or to rapidly move to a critical risk of stroke or complete heart failure or the valve becoming completely blocked. Meritain literally reversed their decision while I was admitted and the surgery done.

It appears that I am now faced with a fight about a surgical process that has clear-cut standards that all legitimate and ethical insurance companies use. All of my physicians and surgeons are shocked at this denial after giving approval. It seems I can't rely on Meritain to give a good authorization first time around. I'm a fighter though and I intend to put up a good fight.

I'm paying a lot for this insurance.

If you have Meritain Health, be careful. They are not honest, ethical, or knowledgeable concerning the procedures they review.

Meritain's Provider Services team incorrectly quoted my coverage to my provider three times. I then called Meritain and was able to confirm my correct coverage with them, however instead of apologizing for the many hours of my time that their errors wasted, the representative I spoke with (Andy M) told me that I shouldn't be calling them since my plan uses an intermediary (Accolade) for member support.

I can't even believe his audacity, given I wouldn't have ever called them if they hadn't misquoted my coverage to my provider, thus resulting in an incorrect estimate of my costs for the procedure.

He went on to basically berate me by saying "it's just an estimate, and I'm sure you still need the procedure regardless of cost" which seems highly inappropriate. The funny thing is that I did initially call Accolade, and they immediately confirmed my correct coverage, however my provider had to rely on the incorrect information being provided by Meritain given they are the payer.

Worst insurance company ever had. Premiums are the highest ever had to pay, and the benefits are absolutely worthless.

Expect to pay more for all medical services, and have nearly nothing covered. TheiD customer service is also terrible, and basically no help at all. Because they usually do not know the answers to any of your questions. Or give you wrong information all together.

The company I work for was bought out by STELLAR HEALTH CARE.. Which only provides this insurance. I am sure because it is the cheapest insurance they can give. I only wish that I could go back to United Health Care, as before.

Meritain is so discouraging to use & you get billed for everything. Despite paying for a higher level insurance plan.

Ugh, its just the worst!! Avoid it if you have any other options!!