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David M Xyc

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Unum and Starmount AlwaysCare are terrible insurance providers

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AlwaysCare Benefits - Unum and Starmount AlwaysCare are terrible insurance providers
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Updated by user Nov 12, 2022

Follpwing my post, I have received no communication from Unum or Starmount AlwaysCare.

Original review Oct 13, 2022
DO NOT BUY THIS INSURANCE. Unum and Starmount AlwaysCare are terrible insurance providers.

Fundamentally, they deceitfully represent their products and services, delay to authorize treatment, and make it extremely difficult to discover coverage reimbursement rates and limits. Like all insurers, they make their products and services sound good, baiting you into a subscription. Once you are hooked, however, here is what will happen.
Unum and Starmount AlwaysCare won't disclose that they limit the number of times you can obtain benefits for certain procedures, and you won't think to ask. For example, after you have started treatment, you will find that your periodontal procedure will be reimbursed only one time in three years.

Moreover, should you discover that limit, they won't disclose that they will only cover three treatments and no more forever. If you want to complete your treatment, you will pay 100% of the costs for the remainder of your treatment.
To determine which procedures have what limits, you will have to provide procedure codes to Unum and Starmount AlwaysCare. A procedure code is an industry standard number assigned to a medical or dental procedure. For example, sticking with the periodontal procedure example, D4275 is the procedure code for a "Non-autogenous connective tissue graft (including recipient site and donor material) first tooth, implant, or edentulous tooth position in graft".

Unless you provide them with that code, you will not be told that the procedure will be covered "One [time] in 36 months, minimum age 19. Alternate benefit of comparable free soft tissue graft procedure". Because it is extremely common for your dentist or periodontist to recommend periodontal treatment only after they detect more than two sites that present periodontic disease, the coverage guarantees that full treatment will require 9 years, because Unum and Starmount AlwaysCare will only cover one treatment in 36 months. During those 9 years, the untreated periodontic disease will worsen and become more problematic, extensive, and expensive to treat.

More than likely, given typical consumer and employer behaviors, you will not be with Unum and Starmount AlwaysCare for 9 years, which means Unum and Starmount AlwaysCare end up covering only one periodontal treatment and your periodontal disease progresses.
Even if you can provide the procedure code for a treatment that your medical or dental professional has recommended, Unum and Starmount AlwaysCare will argue with your provider as to whether the provider has provided the correct procedure code. Again, sticking with the periodontal disease example, your provider will tell you that you need a D4275 procedure, but Unum and Starmount AlwaysCare will argue with the provider and you FOR MONTHS, claiming that some other procedure code is the correct procedure.
If you are finally successful in getting an authorization from Unum and Starmount AlwaysCare, they will delay payment to your dental or healthcare providers FOR MONTHS. Your provider, however, will demand payment for the services they rendered (wouldn't you?) and you will have to pay them to prevent your provider from turning the case over to a collection agency. This means that you are now in the position of having to deal directly with Unum and Starmount AlwaysCare to get them to reimburse you for what should have been paid to your provider.

And Unum and Starmount AlwaysCare will delay FOR MONTHS to reimburse you.
The next thing Unum and Starmount AlwaysCare will do is shuffle you around their various departments and personnel. You will find that every one of their personnel will ask you to provide the same information that you have provided previous personnel, as if that information is not available in their information system. This is a tactic calculated to wear you out so you will simply go away. The personnel will engage in other delay tactics FOR MONTHS, such as claiming that the information they required was "misfiled" or that you were inadvertently misdirected to an incorrect department.
Unum and Starmount AlwaysCare won't disclose coverage cost or occurrence limits without engaging in significant delays, denials, and misdirections.

They will argue with your provider about the procedure codes the provider submitted, claiming that some other procedure is appropriate. And they will shuffle you around from department to department, claiming they cannot find the information that you or your provider submitted, or claim that the the information was misfiled.
Unum and Starmount AlwaysCare are terrible insurance providers.

Do not reward them with your business. Do not put yourself through the monumental, time-consuming hassle of working with them.
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Cons:
  • Enormous hassle

User's recommendation: Avoid Unum and Starmount AlwaysCare

Anonymous
map-marker Baton Rouge, Louisiana

Horrible

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This has to be the biggest waste of money and one of the worst insurance companies out there.
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Loss:
$1000

User's recommendation: Run...do not waste your money....they should be out of business.

Anonymous
map-marker Tacoma, Washington

Awful

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AlwaysCare Benefits - Awful
Uploaded my complaint that I just filed with the BBB
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Reason of review:
Problems with payment
Anonymous
map-marker Raleigh, North Carolina

Dropped without contact

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I would not advise us at all. I had her dental insurance and the payments were going through on their end even though nothing had changed on my end and they didn’t call and I didn’t receive any letters and they dropped my coverage and refuse to reinstate me. The customer service people are absolutely worthless and I wouldn’t recommend this at all.
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Reason of review:
Poor customer service
Lonzo Lvc
map-marker Baton Rouge, Louisiana

Will NOT pay for Covered items that are 100% Covered!

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Starmount refused to pay for a claim by my dentist that I was covered for on 9/5/18 for $225. I was told that they would not cover Crowns so I told them to cancel my policy After that mornings visit in which all procedures were Covered. Two days later my dentist called me to advise me that they backtracked my policy to the start of that day and refused to pay for the normal cleaning and x-rays which I have been paying $16.34/mo for nearly a year and have been covered for the exact same thing in the past. When I talked with a rep and asked for an explanation, was put on hold forever and then he came back with some vague type of reason. I was covered at the time of the procedures and Starmount/AlwaysCare should honor that and pay the claim has I am clearly covered for these procedures. Unbelievable!
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Loss:
$225
Cons:
  • Non caring attitude and deceptive manner
Reason of review:
Poor customer service

Preferred solution: Full refund

1 comment
Guest

Had same if not worse experience with this company. They sure like to take your money but they don't want to let go of any. Won't pay claims.

Napoleon Cuu

Disgusting excuse for a dental plan and company

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I am SICK literally SICK at the fact that your staff and supervisors are as disgusting as they are to clients who have been paying on a dental plan they "claimed" was the right one for me for my wisdom teeth removal. THIS IS THE ENTIRE POINT OF ME GETTING THIS PLAN!!!! You guys are a sorry excuse for anything dental!!! I hope you all lose your jobs for the way you speak to us on the phone. Pathetic *** human beings. Go to ***.
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Reason of review:
Not as described/ advertised
kristal k Tys

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Kennewick, Washington

Always Care Star Mount Dental Insurance Has not refunded money paid

On Oct 31, 2013 I applied for Dental for my son through an agent Star Mount in Portland, OR (1 88**** ****) and was told by Emanuel (1 87* 434 **** X 750) that coverage would start on Nov.1, 2013 so I gave permission to debt out the money out of my account. I went over to the Dentist office and had the Receptionist verify what coverage by calling. Well she called left message but got no reply to this date. I have since called and have gotten no reply either. It turns out that this is an agent to sell Dental and other Insurance for "Always Care" out of Baton Rouge, LA at 1 88* 729 **** X 2013. I called on 1/11/2013 and sent an E mail to cancel policy to Irish. To this date I have not received the money back even when told that it would take 7 - 10 days to do so. I was also told that the cancellation date was Dec.1, 2013 when the Policy starts. So if this is correct, they not only get one month FREE and you get NO SERVICE for the extra month you paid for. DO NOT GET ANY INSURANCE FROM THIS GROUP. . ..
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Loss:
$26
1 comment
Guest

I got tricked into buying a dental and optical plan that they told me was included in my Humana policy they won't release a recording to me that they say I agreed to extra charges

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