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I rarely see this company mentioned in the IH forum and wondered why? Specifically, I wanted to know if anyone has had particularly bad experiences ...
I rarely see this company mentioned in the IH forum and wondered why? Specifically, I wanted to know if anyone has had particularly bad experiences with them or why they may not be used as frequently as some of the companies I see mentioned over and over. AMS has fairly quick processing time for applications and their rate ups for HBP and certain other conditions are the lowest I've seen. Their comp is good and their agent website is excellent.
Any response concerning AMS will be appreciated. Thanks.
Didn't UHC buy them? I believe very shortly that Golden Rule/AMS/Pacificare/Oxford are all going to re-branded as "United Health One". I participated in a survey for their new logo...
------------------------------------ Don't steal - the government hates competition.
Didn't UHC buy them? I believe very shortly that Golden Rule/AMS/Pacificare/Oxford are all going to re-branded as "United Health One". I participated in a survey for their new logo...
Yes. They have been part of UHC for a couple of years now, but my question concerns why GR and not AMS. It seems odd that they are never mentioned. And one of their CS people told me the other day, that I send them far more apps than anyone in my area. I was more concerned than flattered.
I use AMS in selected areas. And in those areas, their rates are very competitive.
Solid rates in some areas. They adjust rates quarterly, but increases aren't too bad. HSA rates are solid. They include a "discount" dental coverage in all of their policies (Careington).
Before UHC bought them, their team in Indy would visit us two x per year. Nice guys (and gals).
but my question concerns why GR and not AMS. It seems odd that they are never mentioned. And one of their CS people told me the other day, that I send them far more apps than anyone in my area. I was more concerned than flattered.
well when I had some clients getting 17% rate increases and others on the same plan at 75% because they used it pretty much told me this is the company you don't want to get really sick with.......
well when I had some clients getting 17% rate increases and others on the same plan at 75% because they used it pretty much told me this is the company you don't want to get really sick with.......
They were in BIG trouble here in Florida 10-12 years ago for re-underwriting at the time of renewal for IFP...
I understand about the stuff from years ago, and I guess that's what scared a lot of the seasoned agent away. I thought that when they became part of UHC, they would clean their act up. I have a suspicion that they are up to their old tricks and have had some odd complaints about them lately, but I didn't want to prejudice any comments by stating that early on.
I hope that more people who have AMS experience will weigh in on the discussion. Thank you for your comments thus far.
I was told not to write them cause they were gonna stop writing new biz, i thought i got an email or something... dunno.... that was 2 years ago... guess they are still a kickin'
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I can't spell, I can't write..... and I can't be bothered if you dont like it... got it???
They let my client go after 7 months. It's called post issue underwriting. She received all her premiums less claims and I had a complete charge back.
That happened to me recently with them for the first time, same thing, 6 months minus claims and full chargeback. I haven't had a problem with them before. Now I have a client that they are questioning about an item that is fairly trivial and may not pay the claim. Not only that, they were rude to her, and its not the first time I've heard it. Fortunately, she's not holding it against me, and if they don't pay the claim, she's asked me to move her.
Thank you for your response. I figured they had burned a few people, not to get much press here for a branch of a giant carrier.
Something that wasn't on the original application?
It isn't an actionable condition, she just had a slight injury. The application was taken 7 months ago. She called me yesterday to let me know they wanted to be moved to another carrier, not because they didn't pass the PI underwriting, but didn't care for the obnoxious way they were treated, heard that from others as well. I am really sorry that I placed so many policies with them and that has come to a halt. Now I am using Aetna more frequently, Somarco's favorite carrier.
I feel like George Costanza getting his picture taken "I put my trust in the wrong person".
Since I started this thread, I wanted to put some good news about AMS on it.
They have paid out more in claims for me than any other carrier, and the level of service has been excellent, based on the responses that I've gotten from the clients.
The Post issue underwriting is frequent with them, but as long as the client is honest on the application, there are no problems that I've seen thus far.
So send them the biz when you have time.
M&M:
Just realised when I came back onto this thread, that I answered the Rabbi's question in the last post. That was accidental, or Freudian, maybe I want to be a Rabbi.
American Medical Security
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