Assurity Life Insurance Company
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TOTAL SCAM
THe language inthe policy is extremely misleading, and what THEY HAVE IN THEIR POLICY does NOT MATCH what they mail you in yours. Example: policy states that as long as you are treated by a physician within 60 days of an accident, its covered. HOWEVER what the policy doesnt say is that any and all follow up treatment (MRI, XRAY, etc) must ALSO be done within that SAME 60 day period. Anyone of sound mind knows that all doctors (outside of an ER visit) look you over, prescribe the lease invasive treatment and tell you to come back in a month if it still hurts.t They then proceed in this same fashion. But with Assurity you can wait to go to the doctor, but you better make sure you get an XRAY, MRI, and referral to a specialist all on the same day, then make sure you get in to see the specialist all in the same week, because you have to have the surgery (if you end up needing it) within 180 days of the accident. Think about that: Have a fall, 3 weeks later, still hurts Go to a doctor (now you are close to 30 days), they look at it, maybe give you a shot, tell you to come back 3-4 weeks (now you are at 50 days minimum) go back to the doctor, he refers you to a specialist, you immediately call the specialist, who has an opening in 2 weeks (now you are past your 60 days, at about 80 days). You go see the specialist who orders an MRI (sorry that MRI not covered because you didnt have it done within 60 days of your fall), MRI results are back 2 weeks later, and you get a follow up appointment the next day (now you are at 100 days) specialist recommends surgery, but doesnt have an available day to perform the surgery until 45 days later- now you are outside the 180 day treatment window and they wont pay for the surgery, or any of the subsequent "policy allowances" as all of that (physical therapy, etc) has to happen within 180 days (6 months) of the date of your fall. The only way this would EVER happen is if you went to the doctor the day you fell and DEMANDED he get an MRI XRAY, refer you to a specialist all in the same week so you can make sure to have the surgery, and the PT all within a 6 month time period. Your doctors professional advice is disregarded completely. TOTAL RIP OFF. If you get accident insurance, plan to get paid $200 for a doctors visit, and thats it, unless you are transported to the ER and have emergency surgery.