Rate and Review: Senior Health Insurance Company of Pennsylvania
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Senior Health Insurance Company of Pennsylvania Reviews: 6 Reviews
Linda Wilds
My husband & I have paid premiums to this company for 20 years. I recently became suspicious about the prospects of us ever getting any benefits paid to us if we should need them. This is due to the many struggles I have read about other premium payers having with claims. I sent a letter to SHIP on 03-01-2012 requesting the amount of money in the trust, and almost two months later I do not have an answer. If that is indicative of how they pay claims, we are in big trouble should we need them.
So now I am requesting that SHIP refund all the premiums we have paid to them through the years since I don't believe we will ever get any benefit from them in the event we should need them.
Patrick L. Carmody
There are several negative comments about SHIP on this site. I cannot contact you since I do not have your contact information but you can contact me. I am Patrick L. Carmody Senior Vice President and General Counsel for SHIP. Please contact me pcarmody@shipltc.com
Beth Gifford
Dealing with SHIP on behalf of my parents is an extremely frustrating experience. In my career I deal with complex business issues regularly. However, our customer experience with SHIP far exceeds any business complexity with which I work. SHIP refuses to pay claims, despite physician certification, and refunds premium payments without explanation. SHIP consistently exhibits customer treatment consistent with a company offering a claims process of significant complexity so that elderly policy holders will give up. Counting on high attrition of claims and expiration of the appeals window allows the company to retain funds, improving their corporate financial position. It is a disgusting customer experience as SHIP preys on their elderly policy holders. I have taken legal action and am interested in learning of others with similar experiences so that we can determine whether or not class action would be appropriate.
Maureen Connell
I overlook my Mother-in-law's policy and SHIP is behind more then 3 months in payments. I am just now starting legal action. It has been a frustrating process but I'm determined to get the payments that are due to her. Why they just stopped paying is beyond my comprehension.
Cassie Smith, Granddaughter Of Russell C. Smith, DVM
My grandfather has had a policy with SHIP since 1998. A while back, Russell had cataract surgery and there was hemorrhaging. Long story short, he is now legally blind. He has a long term care policy with SHIP and has been denied benefits for nearly two years now. Even though he was approved for three ADLs, SHIP keeps backing up and saying that the nurses aren't helping him correctly at home and that stand-by assistance does not consistute benefit payments. All that SHIP has done for my grandfather is taken is money and created a lot of headaches for my family. How are seniors supposed to get help if insurance plans that they pay premiums for, don't follow through? I wouldn't be able to sleep at night if I worked for a company like SHIP.
Niki Stern-daughter Of Bruce And Grace Pavelski
My father has paid into this insurance since 1998. He is entitled to the waiver of premium after reaching certain criteria in the contract. Both my father and I have called the claims department requesting claims to begin the process so that my father can have the premium waived. Each time my father or I call and explain the situation the representative tells us he/she will write a request to the claims department. I feel like the company is stalling to start the waiver my mom and dad are now eligible to receive. We will continue to call frequently. I have looked up the names of some executives to contact if we cannot get anything accomplished through claims. It is extremely frustrating and disappointing that this process is so difficult. Claims customer service has not been very accommodating. Very, very, very unhappy how this matter has been handled.
