Sun Life Health Insurance Reviews

Per the rep I talked to, for dental insurance that I have, there's a list of like 200 claims that are automatically “downgraded” to be whatever Sun Life wants them to be. For example, my dentist did vertical bite wing X-rays and billed for that — Sunlife decided to only pay out for regular bite wing X-rays, and I was left with the remaining balance. This list is nowhere in my EoB and isn't on their site. My EoB says bite wing X-rays are covered twice a year during routine appointments. So they, the insurance company, will decide whether or not your dentist is allowed to bill for a certain procedure performed and then if the dentist doesn't agree, Sunlife will simply just say “we don't care” and pay for the procedure they think should've happened instead. It's essentially fraud, members aren't aware of this mystical list of exceptions and is never mentioned during open enrollment period. It exists so they can deny claims and take in more of your money while paying out less to the doctors.

Has anyone else had the issue with Sun Life did they make you get a form filled out for a prescription that your Doctor gave you by that Doctor. This has a cost associated with the charge, depending on the Dr office.
So riddle me this, why does the doctor that prescribed the medication have to fill out a form for Sun Life to cover the medication????
Money grab?
If my health care professional says I need the medication, how is Sun Life able to hold my health hostage.... for what?????
This makes no logical sense to me.

Been trying to get a claim estimate completed but Sun Life is being stubborn about fulfilling it because they put a stipulation in policy saying only 1 claim per 2 years. I did not use the full portion of the benefits and they are refusing to let me use the remaining portion. No wonder providers charge full amount of your benefits and drive rates up because they know places like this have this stupid rule.

My spouse was a employee for Ontario Hydro. Unfortunately, they chose Sun Life for their health benefits. We sent in documents for receipts for our glasses. They just ignore us. They do not contact us to tell us why they are not paying. When we phone them, the lie and say they didn't receive any receipts. They keep saying this no matter how many receipts you sent in.

I have group benefits through my hospital..In Toronto/ Mississauga area. My goodness what a subpar provider Sun Life Insurance is. My wife and I did co-ordinated benefits for a pair of eyeglasses, and (Manulife) which is my wife's provider paid out their portion with no concerns. Not even one question. Sun Life did not pay out a cent.. they keep sending it around in circles to our Human Resources and then them... for eyeglasses.. no paymnet yet after 4 months.. I pay the benefits and they have not paid out one penny ..not one... when you need them.. for eye glasses... I have had Dejardin, Manulife , Equitable life and even Td Insurance.. and have been around 25 years in social services. Sun Life is the bottom of the barrel. If you are a company like a hospital, non profit agency,private or public company.. this should be the last choice you should make.. Do you want your employees to respect you.? Well then, don't choose Sun Life Insurance as your group provider... saving money does not always pay in the long run for your employee loyalty and or lost time for the HR dept in your agency..

Sincerely

Mike

My company use to use Manulife Financial, then they switched to Sun Life, no doubt to save a buck. Sun Life repeatedly seems to find ways to dissuade me from using my benefits. For example, twice now, they have told me that I needed a doctor's note in order to qualify for coverage of certain health services. Not knowing any better, I paid for a prescription. (not covered) I recently found out that my employer's plan with Sun Life does not require me to get a prescription. Now that I'm trying to get Sun Life to compensate me for the costs that I've incurred due to their misinformation, or should I call it "intentional dissuasion", they give me the run around. It's like they're trying to make it harder for me to use my health benefits. Furthermore, everytime I call them, I'm on hold for at least 15 minutes it seems. I'm not exaggerating. You can't email them without sending a "secure message" through their site. In order to see their reply, you have to log in to the site and view it.

Thjey have lousy coverage- especially regarding dental claims.