Combined Insurance - Not covered.
I dislocated my left ankle in my driveway and couldn't work for 2 weeks. I called the agent to find out how to file a claim.
After contacting the 3rd agent, (2 had already quit the company since 2007)
He told me that they didn't cover sprained ankles. I told him it wasn't sprained, it was dislocated and the ligaments were torn and had internal bleeding and might still need surgery. He said I had better get the surgery before 90 days or it wouldn't be covered.I told him I don't know yet if I need surgery, but I have been off work for 2 weeks and need paid. He said they might pay the 2 doctors copay, but that's it.
He said I should have gone to the emergency room.
Anyway, I've had them since 2007, and since I'm self employed and have no other source of income, I will be cancelling my policies Monday morning first thing. I noticed that the new policies I bought December 9th of 2015 have my last name spelled wrong, so that is why he couldn't find my new policy info last week. They probably would never pay on that one anyway.
Crooks. They never paid the health screening costs either.
Reason of review: Order processing issue.
Location: Lima, Ohio
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Comments
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If you did the surgery even after 6 months of the accident Combined would still pay you.