Tokio Marine HCC LIfe Insurance Company Reports & Reviews

Tokio Marine HCC LIfe Insurance Company Reports & Reviews (1)

- Stevenson Ranch, CA, USA

Scammer's phone 1-800-605-2282
Scammer's address P.O. Box 2005, Farmington, MI 48333, USA
Country United States
Victim Location CA 91381, USA
Total money lost $2,000
Type of a scam Healthcare/Medicaid/Medicare

Worst Health Insurance Ever: I've used this Tokio Marine HCC Life insurance during my long-distance move to a new state in the middle of the year (past Obamacare Open enrollment). My husband's new job does not cover insurance for me and our 3 children. I was told by an insurance broker that this could be my temporary health insurance and we've (tried to) use HCC Tokio Marine for our health insurance for the past 4 months. I will also NOT use this health broker again! The HCC insurance only lasts 6 months and then you are required to get a more permanent insurance. This Tokio Marine insurance does their best to NOT cover anything at all. You go through a very difficult process to file any type claim (and I am good on computers!), but claims provide no discount as your deductible is $7,500. Their website is also very user unfriendly and doesn't guide you. It tries to block you. You always have to call and have someone walk you through the steps on their website, which is very time consuming. Let me repeat: when your deductible is $7,500 until the insurance covers anything at all, you basically do NOT have health insurance. Nobody reaches $7,500 a year unless you are hospitalized. Prescriptions meds are also NOT covered even 1% with HCC. You also can't have had ANY previous medical needs because existing conditions are NOT covered AT ALL. So if you fill out the form saying the condition started 6 months ago, and you've only had the insurance for 4 months, it will not be applied towards your very large deductible. Also, there is no copay or insurance discount, like there is with other insurances that provide discounts. You get to pay the FULL amount on your bill from doctor's offices. Nobody recognizes this insurance. You cannot get prescriptions refilled with any sort of a discount. Tokio Marine HCC says you get one at CVS, Walgreens, Rite-Aid, and a few other pharmacies, but when you go there and actually try it, there is no prescription discount. It is better to use MediCAL or visit the County hospital and pay Cash, than have this (Fake) insurance. Trust me, you will pay hundreds of dollars each month and only get a headache and more bills in return! This insurance is only supposed to cover a MAJOR ACCIDENT and due to the difficulty to even file a very small claim with them just once a month, I doubt that an accident would even be covered at all. They are swindlers and get you into a bind where you pay $$$ and get NOTHING in return. I would rather have NO insurance than this one. I am paying $500 a month and getting absolutely NOTHING back, except doctors' offices telling me that nothing is being covered by HCC, AND constant letters from HCC telling me to log on and keep giving additional info over and over again about the condition or why I visited the doctor's office. As if the doctor's word wasn't enough. Can I give them a zero stars rating? DO NOT BUY THIS INSURANCE! You will get NOTHING but a headache and robbery from your bank account.

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Tokio Marine HCC LIfe Insurance Company

Tokio Marine HCC LIfe Insurance Company Reports & Reviews (1)

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