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I purchased Combined Insurance about 12 years ago. I never had to file a claim until last year. They asked for verification from every doctor I have seen in the last five years.

It took them over three months to request all the information. They would request from one doctor, wait on the report, then request from another doctor, wait on the report, etc.

I called every week to see what the status of my claim was and to see if there was anything I could do to expedite the process. All you ever get to talk to are customer service reps who know nothing. You never talk to a claims rep - they don't take phone calls I was told. You can't talk to an agent - the home office doesn't have a list of agents and can't tell you who your agent is I was told. The agent for your area isn't necessarily the agent who sold you the policy as they have a high turnover rate for agents. Wonder why?

After 4 months I finally got a response on my claim. Denied - imagine that. I was told my claim was for neither a sickness nor an accident and was therefor not covered. I had a diagnostic procedure done and had to be off work a week. Even though the policy said it covered outpatient procedures, my claim was still denied because it wasn't a sickness or an accident? I argued with them but of course got nowhere. I ended up cancelling all my policies with them.

My advice, don't waste money on these people. They may cost less then other companies, and now I know why. You pay less, you get even less. Go with AFLAC or something else. Combined is a rip-off.

Location: Los Angeles, California

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Guest

Just a quick question, 'Why did you get the diagnostic? We're you sick or were you in an accident?

'

Was the procedure preventative?

Was the procedure medically necessary?

You haven't given enough information?

Guest

A diagnostic isn't a accident or a sickness. So what's your gripe?

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