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When the union first came in they told us that the plan was comprable to the top-tier of Oxford PPO which I had at the time. Durring the next 2 years the instituted rate hikes and cuts in benifits.

Now I pay twice as much, and I have huge co-pays, deductables AND there is a cap on benefits. For example, I just had an out-patient same day surgery for a hernia. I had to pay $1000 deductable, and there is a $5000 cap.

Oh, btw anesthesia is not included. The last meeting from the union, they told us that our insurance is "not really a catastrophic plan and perhaps we should all consider buying additional insurance".

Monetary Loss: $10.

Location: Bohemia, New York

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Guest

I had oxford and my union rippedoff oxford now i have magnacare

so far it is ok

Vincent

Guest

Magnacare is the worst health insurance coverage a person can have. They never pay anything and they will deny and deny until you finally give up and pay the bill yourself. Don't ever get this insurance.

Guest

This is by far the worst insurance company I have ever encountered. I finally had to hire a lawyer to help me fight the 28,000.00 dollars in bills that I have accrued.

They just refused to pay hospital bills and life saving surgery because they did not receive prior authorization before the surgery, Like the doctor is going to stop treatment and ask for authorization on a Sunday afternoon. This is one of the companies N.Y.S. Governor should look into. I've been fighting with Magnacare since 2009.

They should be held accountable.

They also need to train their representatives, these people that work for Magnacare are the worst informed and the customer service skills are horrible.

Guest

omg horrible customer service. The original operator kept cutting me off and then she transferred me to the WRONG dept.

The lady I was transferred to was nice though.

Found out that the plan Im on only covers ONE well visit per year. NO SICK VISITS.

So you basically use it once a year for a checkup. ????

Turns out we get one annual visit per issue per year, so the original rep gave me misinformation.

Guest

magnacare blows!!! no customer services! pays claims 3+ months after!!!!!

Guest

This is not the fault of the insurance company But in fact the an issue of poorly educating on what type of plan you had. #1.

Anesthesia is almost always never covered as most anesthesiologist are nonpar with managed health care plans.

#2 The plan that was chosen by you or your company chose the level of benefits you receive. The insurance company is really just the provider of the coverage.

Guest

magnacare sucks

Guest

Health Care Insurance is ultimately important but it is getting totally out of hand and by no means better with all of the healthcare changes... just a shift from bad to worse.

How can folks survive ...

my friend was just telling me about the gaps, charges and deductibles not to mention that she has to change all of her doctors now that her company switched to MAGNA. Sinful, I'd say...This whole scenario with healthcare is a Pay Me now or Pay Me later threat!

Guest

Not only did they not pay claims but checks sent to me were stopped and bank charges were incurred. Claims were finally paid but reimbursement for the bank charges have been impossible to collect even though they say they will cover those charges.

In addition, they have refused to pay emergency room charges, three week turnaround times for claims were promised but not delivered for 45 to 60 days, and their provider directory is not accurate. An irresponsible company, the worst health insurance company I have ever dealt with by far.

Guest

Magnacare is by far the worst insurance I ever had. The

employees have absolutely no knowledge and the people who determine

if a procedure or treatment is medically necessary are clueless.

All of my doctors are dropping out. WORST - WORST INSURANCE!!!

Guest

Worst insurance ever. They simply don't pay.

My daughter was hospitalized for hand infection at humc. Still fighting thousands of dollars bills. Hard to find providers, and I'm not sure if they pay.

Terrible. Stay away if you have a choice.

Guest

Worst insurance ever. They simply don't pay.

My daughter was hospitalized for hand infection at humc. Still fighting thousands of dollars bills. Hard to find providers, and I'm not sure if they pay.

Terrible. Stay away if you have a choice.

Guest

THIS THE WORSE HEALTH CARE COVERAGE EVER!

Guest

Magnacare should not. Be allowed to get away. With this,thiss should be a crime!!!

Guest

This is called health insurance but you cannot use it because it doesn't pay the bills. They do continue to take my premimun payment, my part of the bargin, but Magnacare doesn't hold up their part of the bargin.

All they say after numerous phone calls to them is the bill was paid, wait another 30 days, we will put a trace on the check and wait another two weeks. In the meantime the doctors submit the bill to collection agencies and ruin your credit.

I have numerous bills that go back to May 2011. (Its June 2012 now) Why can't something be done about these thiefs?

Guest

Magnacare is horrible! I went for my yearly OBGYN exam with my regular doctor who, by the way, is in Magnacare's network.

This year they denied payment because the bill the doctor's office submitted came from a different address (all billing goes out from a different office). It did not matter that the in network doctor's name and the in network office location was on the statement -- they just denied it outright. What is going on?? We pay for Level 4 coverage only to have to pay for medical services ourselves?

I am now concerned about having to go to a hospital for fear of Magnacare denying coverage because, apparently, even if you go in network, it will not matter and they will deny payment. It's a cheap company and shame on the unions for allowing this awlful company to treat us like we are undeserving of good medical care.

Guest

Magna care is the worst insurance ever. They do not pay the bills but definately get the money from you check.

One day I came home from work to find 8 bills in my mailbox. I was admitted to the hospital 2 times for an infected kidney. Just a note to you all that the ER physicians do not accept magna care and you will receive a 600 bill just from them. Any physician that sees you is another separate bill as magna care does not pay the full bill.

We all at my job are ready to hire an attorney to get these bills taken care of as they do go to a collections agency. Call and you get told the bills were paid but call the place where they said they pay them and they are not. Honestly maybe a lawyer can sue to get these bills paid along with all the stress you have to deal with. Oh yes and to be terrified to go to a doctor because of the bills you will get.

Tell them you have no insurance and apply for charity care.

I am totaly disgusted with this company. Did I forget to mention that these bills were from June and October last year and are still not paid.

Guest

While in the hospital this past summer recovering from a stroke .. after they found out i had magna I was treated as if I had no coverage at all..

Also while in the hospital magna called to let me know they felt they have spent enough on me .

Next time I will say i do not have insurance.. i would not recomend magna to anyone I left out the word care from this because magna does not know the meaning of the word

Guest

Payments are terribly low and slow. The better doctors won't take it.

Any union that uses Magnacare or Magnacomp is clearly not acting in the best interests of its memebers. It is by far the worst!!!

Guest

I HATE Magnacrap! They are the worst insurance ever.

It takes them 10-12 months to pay a bill, that bill collectors come after me for payment. They are so bad that all of my physicians, Pulmonary, Orthopedic, General Care, all have dopped Magnacare cause they suck so bad! I have to keep changing doctors to find one that will accept this garbage! Also, They don't update their providers listings.

They gave me doctors that had died, doctors that had moved, doctors that had retired, and doctors that no longer accept this trash, but are still listed as providers with Magnacrap!

They suck bigtime! Can't afford to go out of network, but if I could Goodbye Magnacare!

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