Senior Health Insurance Company of Pennsylvania

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Senior Health Insurance Company of Pennsylvania

12 reviews
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President: No President Known
Senior Health Insurance Company of Pennsylvania
1289 West City Center Drive Suite 200
Carmel, IN 46032
Phone: (317) 566-7500
Toll Free: (877) 451-5824

Types of Insurance Offered

Senior Health Insurance Company of Pennsylvania Summary

Senior Health Insurance Company of Pennsylvania is a Stock company that was incorporated in 1887-07-05. Senior Health Insurance Company of Pennsylvania is a Life insurance company and has assets of $3,265,472,104, capital of $7,500,005, and net surplus of $203,110,724.

The president of Senior Health Insurance Company of Pennsylvania is , the treasurer is , and the secretary is . Senior Health Insurance Company of Pennsylvania insurance plans include health, and life.

Senior Health Insurance Company of Pennsylvania is located in Carmel, IN and the phone number for Senior Health Insurance Company of Pennsylvania claims, customer, service, and additional information is (317) 566-7500.

Senior Health Insurance Company of Pennsylvania Location

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Senior Health Insurance Company of Pennsylvania Reviews: 13 Reviews

  1. Niki Stern-daughter of Bruce and Grace Pavelski 28. Mar, 2011 at 12:00 am #

    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.

  2. Cassie Smith, granddaughter of Russell C. Smith, DVM 18. Aug, 2011 at 12:00 am #

    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 constitute 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.

  3. Maureen Connell 21. Aug, 2011 at 12:00 am #

    I overlook my Mother-in-law’s policy and SHIP is behind more than 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.

  4. Beth Gifford 21. Jan, 2012 at 12:00 am #

    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.

  5. Patrick L. Carmody 11. Apr, 2012 at 12:00 am #

    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

  6. Linda Wilds 24. Apr, 2012 at 12:00 am #

    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 refunds 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.

  7. Icare Contractor 15. Jun, 2012 at 12:00 am #

    While there are real people behind a system that is not perfect, we can close the gap by learning and trying to understand. Long Term Care Benefits are paid to those that:

    1) have a need and well documented by the health care provider.

    2) are receiving the level of care indicated and by well-qualified caregiver.

    3) Eligibility, duration, and amount are strictly dictated by the original drawn policy.

    It took me six months to understand these basic principles, as a consumer that can be very frustrating. I am with you saying the system has flaws but we have to work with the system to get the help when needed by our loved ones.

  8. Judy Mocl 02. Oct, 2012 at 12:00 am #

    I am interested in knowing if anyone has gotten a refund on their premiums with SHIP ? I am thinking of trying to withdraw my mothers since I continually have one problem after another with SHIP regarding paying benefits or even trying to get a simple answer on the telephone.

    This company does not allow you to speak with whom you need. It seems like my calls cannot go any further than customer service. I was told today that the people in customer service DO NOT have a phone number for the other departments. She said they only converse with email. I noticed they DO NOT have an email address for contacting anyone on their website.

    I’ve had trouble with SHIP for almost 2 years and it continues to get worst.

  9. josette zinglo 15. Feb, 2013 at 12:00 am #

    It is frightening to read all the negative reviews. I have not needed you yet but I dread when the time comes that I do.

    May have to take pre-emptive action to save myself a lot of grief in the later years of my life as they are coming sooner rather than later.

  10. R. Walker 23. Apr, 2013 at 12:00 am #

    Do not deal with this company. Incredible bureaucracy and denial of claims are common place.
    A class action suit on behalf of California policy holders has been filed.

  11. D. Berry 07. Sep, 2013 at 12:00 am #

    I have had a very good experience with SHIP in getting claims paid for both of my parents and in the assistance and information their customer service reps have given me.

  12. Will Salon 12. Aug, 2014 at 12:00 am #

    Don’t deal with this company.

    My mother has paid into this company for over 20 years and has got not benefits at all. She asked for something as small as nutritional supplements and they didn’t even supply that they keep asking for more paperwork but they have been provided over 300 pages of information. They called me back in January 2014 to tell me that they were working on it.

    Their big excuse now is they are taking people in the order that they come in. It is now nearly a year and they are still working on it.

  13. Robert Feller 29. Nov, 2014 at 4:52 pm #

    I am just starting this process and have found the same formula other reviews have forewarned. In the past 2 days, I have received three letters from SHIP all asking for information I have already provided confirmation for.

    My father is covered for a maximum of one year and even if they pay out all of it, they will still be ahead $14,000 in premiums collected. It is very disappointing that the payment of claims is so difficult to extract when my father’s condition fulfills all the criteria for receiving benefits and the decision to pay should take approximately 30 seconds.

    The people who answer the customer service lines are far removed from anyone who makes real decisions and I have made essentially zero progress in the last dozen times I have called.

Rate and Review: Senior Health Insurance Company of Pennsylvania