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I was involved in a work related accident in 2006, and since then through no fault of theirs or mine I am now disabled. My problem is that I now need medication for the rest of my life as well as doctor visits to monitor my status. About twice a year I have to file a lawsuit against them to pay for doctor visits and medication. At times forcing me to have to pay out of pocket. They try everything to not pay and a couple of times I have spent over $700 because they won't honor a court ordered agreement. Last month they were going to close the case because I missed a doctor appointment which I didn't. The doctor's office screwed up and they were ready to drop me. Save your employees a lot of grief and don't let them handle your workman's insurance as they don't deserve to be treated like this.
Insurance failure to pay benefits then erased history - My grandmother paid her premiums for some time and never had need for the benefits until she became ill the 2nd time and was hospitalized for 2 weeks at one hospital, then transferred to a larger hospital where she passed away 2 weeks later. I handled her affairs personally and medicare paid not one cent and Blue Cross Blue Shield paid every penny (and her death benefits through her work insurance as well) and paid for the funeral. When I contacted American Republic for benefits for her time in the hospital so my uncle who lived with her would be able to pay the bills (since he was unable to work due to an injury), they said they would send a form and would contact me further. They didn't.
Shortly thereafter, she passed away and I called them again to notify them and to inquire of the status of the holdup and why. I got the same runaround again. One week later, I had her death certificate in my hand which they require along with all insurance companies and I learned they had completely deleted her from the system! When I asked for a manager, the manager was snide and rude, basically telling me I was a liar and that my grandmother was never their client and made all sorts of comments. In my grief over her loss and my anger over the rough treatment, at that time, I nearly decided to take a little trip to meet this crass individual face to face. Only my pregnancy kept me from actually clearing my bank account, signing over all my belongings and property to my husband and making a one way trip there.
Messing with someone when they are grief-stricken isn't a good idea. She was my world. My uncle is now dying of cancer and penniless. Those benefits would certainly help him more now than in those years ago since her worker's death benefits paid for her funeral at that time and some of it was left over to get her bills caught up. American Republic will never make this right. I have all the proof in one box to prove my words right up to her death and after. I wouldn't speak of this in print if I didn't have the proof and her cancelled checks to prove her premiums were paid faithfully. I would never ever recommend this company to anyone except an enemy if I had one, and I don't because I am good to everyone.
I also would suggest that any of the blowhards who make statements referring to the unhappy, adult clients as "the little boys and girls" that has been done earlier in this forum to stop it for it is a thoughtless and inconsiderate statement and shows your ignorance, not theirs. Belittling others is cowardly, foolhardy and a self-centered form of bullying, in my opinion. If you had a good run with this company, then good for you. But you won't know if your family will benefit from it after you are gone someday, will you? You shouldn't and can't invalidate those who have been totally screwed over and tossed on the garbage heap like my family and the other families who have. In fact, your loose words convince me that you probably work for the company. If you want to dictate your ideals, then argue with God, that is, if you believe in Him for it is written - Vengeance is mine, sayeth the Lord.
Beware of the latest notification from American Republic about them not being able to keep providing your PPO plans, and recommending Celtic Ins. The letter states that your policy will be canceled on 12/31/11. We signed up for a new insurance and were already billed for the month of January. When I checked my bank statement today, American Republic had taken another automated payment out of my account after notifying me that my type of insurance was canceled as of 1/1/2012. Luckily, I can prove we have new insurance but want to warn others to make sure to check that American Republic hasn't taken another premium payment when in fact, the insurance is supposedly "canceled." I pray that this is not a scam to enable them to collect an additional premium payment by some "fine print."
I love some of the nonsense on here. American Republic is about to go bankrupt? It was the most financially stable company during the recession. They're a C or D rating? Try a A-, the 4th highest in the country. People just hear things and feel the need to spew their same old nonsense. You need to educate your self, people.
It's really sad when people make mistakes and are saddled with large insurance bills, but much of what has been said on here is just a flat-out lie. Be honest about your history.
Oh, and nobody's insurance was "dropped." American Republic teamed up with Celtic in order to provide a lower rate on its Major Medical, something it's done. My premiums went down. Now for the big boys and girls who can read what's written, they'd have seen that they're not just being dropped, they're being offered the opportunity to be transferred with guaranteed renewal to Celtic while still using their American Republic. Simple as that.
If I could rate lower I would. Okay, here it goes. The original complaint involved an agent who blatantly lied to me about my coverage. When I called him on it, he suddenly changed his story (This had to do with prescription coverage). I filed a complaint with DORA. DORA basically required American Republic to issue me prescription coverage.
As of 12/2011, as you all know, AR is dumping all major medical policies. However, they are not doing so before raising all our rates. The form letter is using the exact same claim it used one year ago - including that of Colorado HB 1008. This seems very fraudulent to me; one last milking of us all before dumping us. I filed a follow up complaint with DORA today. I highly recommend that any of you reading this do likewise.
I am seeking new carrier. I have no choice now. The carrier AR is recommending has higher deductible and claims to know nothing about the additional coverage I paid for to cover my deductible! How could I possibly trust them, anyway?
Hey, any chance that those of you in Colorado who got *** by American Republic could form a group and get group rates? Just a thought.
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I have had this insurance for just about a year and a half. Suddenly, yesterday I get a notice that they are discontinuing selling individual insurance in OH. But, on their web site, I could still get a quote for individual insurance in OH.
I'm a bit frantic trying to find another policy before year end and am wondering what is going on with this company. I received some paperwork with the notice to get insurance immediately with Celtic, and if I don't sign the paper switching insurance, I am subject to underwriting. I have no idea what that means. With American Republic, I have a $3,000 deductible, with a rider that takes that to $0. But with the new company, I will have a $5,000 deductible. This is a huge difference in deductible and monthly premium. It doesn't make sense.
My husband and I are self employed. We have a small little mom and pop shop. We work hard, long hours. I am 47 years old and have had independent health coverage through American Republic Insurance for years. I was diagnosed with breast cancer three years ago in December. At that time we were paying right at $525.00 a month for the both of us and our teenage son. Within a short period after I was diagnosed our rate went up, and then it went up again, then again. Just two months ago we were at $1200.00 per month. We finally found other health insurance for my husband and son. The rate for me was $528.00. Just yesterday I was notified that my rate has gone up again to $686.00.
When they sold this to us and to this very day they say I can't be singled out. They say that when mine goes up everyone in my group goes up. It’s funny that for years when I was "healthy" my rate stayed pretty steady, now that I had this illness they can charge me whatever they want. They can raise my rate every chance they get. I am close to having none at all. A couple of more increases and I'll be finished because I literally won't be able to afford it. I don't have anything else to give up in order paying for it. Their forcing me and many others out. We have no place else to go and they know it because of our preexisting conditions. They shouldn't be able to do this. My rate went up over 30% in a matter of a couple of months. I think this is wrong and not how they represented themselves. I will soon be one of the many with no health insurance. This is wrong!
I work for a small company in Charlotte, NC. At least once every week, an American Republic rep makes a solicitation call to us. Every call starts out the same when the representative asks to speak to my manager. I proceed by screening the call in asking who is speaking and what company they represent. After I determine this is a solicitor, I tell them what I tell all solicitors, we do not make any purchasing decisions at our small remote office and I direct them to our home office in Atlanta.
After I finish my polite answer, the American Republic rep responds with violent verbal attacks followed by a hang up. I don't understand how a company can train employees to react in this matter to innocent people who have the misfortune to answer these solicitation calls. I will never recommend or accept any business from a company such as American Republic Insurance. Beware!
My mother has had the Medicare Supplement Policy from American Republic for over 20 years. This company has been wonderful to deal with. I don't believe she has paid over $30 above her premium payments for anything in all those years. Payments have been made promptly and are clearly noted on statements. In fact, I am so impressed that I am going to take out a policy with them in November when I become eligible for Medicare.
John met with us several times before we decided to move forward with his American Republic health insurance plan. He assured us the plan would cover doctor's visits, prescriptions and medical emergencies. This insurance hasn't paid for one thing! It hasn't covered doctor's visits because they always say that it "was a pre-existing condition". I called their customer service and complained asking them why they didn't cover any medical bills. I also called John and complained to him that this was the worst coverage ever.
His response was that he had never had anyone complain before. The company's response on the other hand was they didn't care! I have been paying premiums for insurance that really doesn't exist. I paid premiums for a co-worker and the insurance didn't cover skin checks or her doctor's visits either. I ended up paying for doctor's visits and insurance premiums. I want my premiums back!
American Republic Insurance Co. expert review by Joseph Burns
American Republic Insurance was founded just before the Great Depression, and it is now a national insurer offering customized health insurance plans.
Prescription coverage at more than 50,000 pharmacies: American Republic has a large pharmacy network , making it easy to get prescriptions at low cost.
Provider choice: Customers can choose from among a a large network of affiliated physicians.
Best for: Employees, heads of families, senior citizens
American Republic Insurance Co. Company Information
- Company Name:
- American Republic Insurance Co.