I trusted my sales rep when asked what coverage I would need. Well of course I got hurt at work, and was off of work for 4 months, How did combine help?
With telling me that because I did not go to the hospital day one they could not help me. Apparently they do not appreciate people who try to push through pain or find alternative care such as chiropractors, acupuncturists or anything other than a hospital visit.
Read the fine print If you get hurt, pull out your combined policy and make sure to follow every single step correctly. Maybe then they will be able to pay on your claim.
Reason of review: Not as described/ advertised.
Monetary Loss: $10000.
Preferred solution: Let the company propose a solution.
Combined Insurance Cons: The, No payment on claims, Customer service.