Mutual of Omaha Health Insurance

My sister and her husband are disabled. Their youngest son (24 years old) had been handling their financial affairs through his checking account. When he passed away unexpectedly, I agreed to help their daughter straighten out their finances. I tried to get Mutual of Omaha to send the bills for my sister's Medicare supplemental insurance to her daughter.

The first phone call, Customer Service couldn't find her record. For the second call, Customer Service said it couldn't work with me because I wasn't the insured. I had to ask my sister, still grief stricken from the loss of her child, to call them to verify that I had authorization. Then Customer Service at first refused to accept her phone call as approval. The third call I spoke with a very cold, rude woman who insisted that direct-charging a checking account was the only way to pay the bill and that Mutual of Omaha refused to accept debit or credit cards. And since I was offering to pay with a check, the payment was due immediately even though the direct-charge option was set-up for mid-month processing. She ended the call by telling me this was a one-time favor which would never happen again.

With Customer Service people like this, I'm surprised the company has survived as long as it has. I'm going to ask my sister to review other plans and give Mutual of Omaha the big kiss-off.

I work a physical job on a wood yard for a paper mill (shoveling, raking, heavy equipment and et cetera). I missed work back in December, 2010. I went out for six months; I was treated by orthopedic doctors for wear and tear to shoulder and lumbar and cervical regions of the spine. Tests show degenerative disc disease, spinal stenosis, and other problems. I had difficulty getting coverage, but with patience, finally received benefits. Short term benefits ran out in early June, and should have continued with trying to get long term benefits. After talking with doctors and my employer, I decided to retire since I just recently turned 62. The last six months that I worked, some of my co-workers saw that I was struggling. They were afraid I would get injured (worse on the job).

Matt ** of Mutual of Omaha Life Insurance has been very polite, but I don't understand why it is so difficult to get benefits. I just received another letter today (July 22), that in compliance with the ERISA Act, they would need another 30 days to review my claim. This is the second time. Others whom I have spoken with have had the same problem, and feel that Mutual hopes that if they drag the process out, clients will grow frustrated and give up. That is why I am contacting you, the BBB, and possibly our congressman for help.

I received the first bill for two new policies. The dollar amounts were wrong. I have been going round and round for about 2 weeks with this. I paid $1.00 for 3 months as advertised on 3/3/2011. The dollars do not matter. What does matter is they are not listening or letting me talk to anyone who knows and has common sense. Here's an example. One policy says for 1st year $123.40 is due 6/3/2011. I got billed $163.20. In 2 pages of the policy, it definitely says first year $123.40 then 84 years @ $163.20 yearly. I asked them to explain to me why it says that in 2 pages of the policy. No one can answer that.

After a while they all sounded like parrots. You paid $1.00 for the first 3 months, then you pay $163.20 from then on. They cannot answer the question "why does it say that in 2 pages of my policy?" Two of them said, "We don't write the policies." So I said, "Alright, I'll talk to someone who does and can give me a good and correct explanation." Their answer is they can't do that. They don't talk to anyone. I cannot talk to someone higher up. I called what I thought was customer relations, but can't talk to anyone really in charge. Their attitude? "Oh well." I called back and told them to cancel both policies and I will go elsewhere. I also told them I'm making formal complaints to BBB, Consumer Affairs and the Nevada Dept of Insurance. Also, that I am writing to the corporate headquarters. I'll send the letter; however,who does it go to? I wonder if this company knows what's going on or really cares?

The $ amounts are not really that important. What is important is that is says a certain amount and that's what you should pay. The other is the way employees are treating their customers. Definitely not good PR.

I signed up for a Medicare Supplement policy through a 3rd party provider in November. The policy was to go in effect on January 1, 2011. I paid the first month premium in advance. Once I got the actual policy, 4 weeks after signing up I realized that the policy was too restrictive and sent it back to Mutual of Omaha with a note explaining that I did not want this policy and to refund me my deposit. I called them today, 3 weeks after returning the policy to them because I have not yet received my refund. I was told that it would take between 45- 60 days to get my refund.

To this date there has not been one check received. I have called them continuously to be told that it is still pending. I assisted in getting the info needed to help expedite the process. They would ask for one, get the needed document and complain they needed another document. This continues to go on. The claim is still not paid and still going into 3months.

They received monthly drafts from a checking acct. Those funds were taken out on time. But now that I have paid for the policy, I am required to be patient and to understand their concerns and business policy that prolongs my disability checks. I realize you can go back 10 yrs for preexisting medical issues, but my condition was not diagnosed 10 yrs ago. The doctors offices have had to fax docs to them 2 and 3 times because they keep saying they have not received them, or they will say they don't understand the doctors report. It is a frustrating mess.

I am losing my home, my mortgage has not been paid while waiting for them to process this claim. If they could have been more efficient with their processing procedures I would not be faced with the foreclosure I will soon be subjected to.

The company increased my supplemental policy this year from $l24 monthly to $156 monthly. I am on a fixed income, but I need a supplement to my medicare. This monthly increase is over $30! I will now have to find a plan that pays well but is cheaper. No company should be allowed to increase a policy for 16% monthly.

In October of 2008, my doctor recommended long term IV treatment for Chronic Lyme Disease. This involved a PICC line to inject myself daily and nursing visits weekly. I went out on disability for treatment. Not only have I not received a dime from Mutual of Omaha on my disability policy, they continued to tell me they need more information. They continue to tell my lawyer they need more information, they've repeatedly lost data, do not investigate claims and do not return phone calls. This ,in my opinion, is very bad faith!

I have been denied a short-term disability claim. I appealed. As the end of the nine week appeal period approached, I received form letter stating they were entitled to another nine weeks (45 business days). Do not be deceived. This is a rouge company. One thing we can all do is complain to the Nebraska BBB where they enjoy an A+ rating. If enough of us will do this (easily online) we can move that dial. As a wage and commission earner out for almost two months, I had had serious financial consequences.

Became very ill 14 months ago. Was sent to all the wrong doctors. Finally was diagnosed with Lyme Disease & Babesia, under treatment slow progress, have three MD's saying this is lyme disease with immune response, IG bloodwork abnormal - IVIG replacement therapy recommended. Filed LTD with Mutual of Omaha Jan 8/09 - still awaiting answer but am told by Frank Mac that it will probably be a denial.

No income all year, losing house, cannot pay medical expenses.

I have long and short term disability insurance, in July of 2008 my hip collapsed, causing me to have and immeditate surgury. With this surgury several things had gone wrong, two hip dislocations and two additional surgurys and two very serious blood clots. Full intentions were to go back to work with in six weeks of the surgury. The company that I work for was sold last year to another company, when the new company came in, insurance providers were changed.

I previously had short term disability with AFLAC, but this was not a policy that the new company offered, if we wanted disability insurance we had to go with Mutal of omaha. It took 68 days for them to finally pay short term disability, I received checks for six weeks and now the policy is going into long term. Now after another 35 days with out income, they are denying my claim for long term, stating they need to go back further into my records. I have gotten them every record they have ever requested.

Had it not been for the displacements of my hip and the two blood clots and the last surgury in September, I would be back to work now. They are saying because I didn't have a long term policy two years ago, I do not qualify. Every time I call they say they need to review it. I have talked to so many people, every day it is in another review board. They have every one of my medical records. It is very frustating. The doctor will not release me for another seven weeks.

I have lost sleep night after night, I can not afford to make my house payment at this point and because of all of my hospital stays the bills are stacking up. I am weak and not able to really recover because I am too worried about money. I sell cars for a living with a dislocated hip it is really hard to get in and out of car to show a vehicle.

They sent letters apologizing for their decision noting that they were aware that the clients would not get other coverage due to their health status. However at the time of cancellation they were STILL writing another individual health policy, My research of the HIPPA Section 2742 pgs. 48-49, Subsection (C) REQUIREMENTS FOR UNIFORM TERMINATION OF COVERAGE section B (the insurer offers to each individual)on reveal that by law they would have had to offer this policy to its insured. THEY DID NOT.

When I called Robert Mancuso, First VP Policy Client Services he made it abundantly clear that he could not help and directed me to our Insurance and Banking Department. They said I would have to go to the 'market' to replace the insurance. Since then I have been unable to obtain coverage that does not impose pre-existing conditions. I have letters written by the Government of Vigin Islands to a Mr. Carmody for names of clients that were left without coverage. They simply did not answer in direct violation of the requests.

I am a self employed carpenter,and have had a health and accident policy with Mutual of Omaha for many years. After marrying, my wife and I decide to combine our policies in July. of 2000. At that time we bought and continue to pay for a policy that was supposed to provide us with equal coverage.

In March of 2003 I fell while working on a job and fractured my right collar bone. I was out of work for aprox. 6 weeks. While the insurance provided most of the coverage for the medical bills,I was told that the policy did not cover me for disability, only my wife. Upon reviewing the policy I found a copy of the document that I signed and dated entitling me to disability coverage of about $125 dollars per week.

I forwarded these copies to my agent who then informed me that, yes, I would recieve my disability for the six weeks that I was out of work. I was instructed to make copies and mail them along with some other info. to the main office in Omaha.

This was done in a timely fashion but I recieced no check. I have called the main office a number of times since then and after explaining the entire scenario time and again,I am always assured that the person I talk to will get with thier supervisor and then get back to me.

It's been six months and no one has gotten back to me or sent the check. So I'm registering this complaint out of frustration. I beleive I'm being put off in the hope that I will just get tired and give up trying to get the money that is owed tome.