HSA Health

I have had a Discovery Benefits HSA since 2007. In that time my healthcare has not changed much at all. Usual Doctor Visits, same Chronic conditions that require meds. (asthma, allegies, BP ) Never had a problem until 2014. They suddenly started require a claims receipt from my healthcare company for almost everything. I started asking other employees and most were not requested to give this information as much as others. I wrote to customer service and asked for clarification in the policy of requiring receipts for use of my card.

They answered that is was up to their own discretion and each case is treated differently.

Since I questioned this, more than once, I have had to provide a receipt for EVERYTHING. And if they do not like the receipt or want something different, they put a "Hold" on my card.

I currently have $1400.00 in an account with them that I can not use because after sending them four different receipts for a claim they still are denying it. I have used my own money to purchase meds in the meantime and hope that I can get it right to get reimbursed.

I have $1400.00 of MY money sitting in an account with them right now that I can not use and am spending money out of pocket for care. Once this benefit year is over I will never again use a HSA. Especially Discovery Benefits.

This is an organisation that operates an efficient and professional service. The claim forms are simple to read and complete and their Terms & Conditions easy to understand.

I really don't understand the point of the HSA health plan. It's now called Simplyhealth. My wife had a policy which we continued until recently. It isn't really health insurance, but you pay a monthly premium and fill out lots of paperwork to get some of you money back! In the mean time you have to cope with the hassle of dealing with them!

What is the point?? I could just put my premium into a savings account and pay my bills through that. I think most people just end up with the policies through work and don't realise how useless it is!

Short summary - don't touch them with a barge pole!

Details:

- very obscure interpretation of terms and conditions: always in their favour

- even most basic, routine check-up claims disputed

- so far nothing paid in full as the Ts & Cs would indicate, but questionable interpretations used to justify non-payment

- have had one 'success' in getting the amount owed, after much hass;e - letters, 'phone calls, etc., but...

- following routine claim was only paid a few pounds (£10) instead of the amount due (£90), based on the previous claim being paid late and using up the 'allowance'

- eventually got fed up with paying £20-£25 a month for several years and receiving a few tens of pounds back, with much hassle / fighting on my part

HSA are clearly not a reputable health insurance company, but, rather, one out to fleece their 'customers' for every penny they can.

Go with them if you want a black hole to throw your money into and endless hassle over the most trivial of claims.

I've been paying for HSA Private Medical Insurance for 3 years and have just needed to make a claim... I thought this would be easy but it wasn't.

Firstly, the hospital they claim to use nearest me and in this case the only one that the specialist I need to see works from, is no longer on their list even though it's still listed on their website.

Secondly, even though the NHS consultant has said that there is only this one specialist near me, HSA say they have to phone round all hospitals themselves and make the decision who they send me to... I don't get a say even basd on another consultants recommendation

Thirdly, I only have diagnostic cover but they have wormed their way out of covering me saying that I've already been diagnosed with the condition I'm being referred for- they say that even though the condition has a different name it's the same thing which it isn't. I questioned this and they say since they aren't medical profesionals they have to go with what they know.

To go through this much hassle and to be treated like I'm trying to make a false claim defeats the object of having private medical insurance. For the money I've paid out over the years I could have easily afforded the £150 private consultation fee myself and booked the specialist I needed to see without HSA that know nothing about me booking in with anyone they think is suitable. I strongly recommend not taking out this policy.

HSA Dental Plan

Minimal claims paid. HSA now claims an "old" terms and conditions booklet was given to me 2 years ago by a rep who visited my office. HSA at the time nevertheless verbally confirmed the proposed treatment was OK to carry out, and, moreover, came well within the treatment cost limits. Needless to say, after the treatments have been completed, HSA are now playing hard to get, and being VERY awkward, claiming that the "new" policy applies, as does the new i.e. very much lower limit. We have been left £1000s out of pocket. What is more, they are being "selective" in their defence, claiming to hold recordings of verbal converstations, which cannily omit the parts that criticise them. I propose to call in the Insurance Ombudsman, and, furthermore, advertise their bad service internally and externally - which will hurt them in the long run.

I booked the campaign online and i found the whole process very efficient and prices very reasonable with HSA health insurance.

HSA Health insurance are really through with their cover and always update with new products coming in. Value for money.