New Reviewer
They took my money, held things in claims over a year before telling me there was a "bone and joint clause" which according to legitimate insurance companies is not a thing. I told the agent that sold me the policy my ANKLE WAS BROKEN at the time I purchased the policy...
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1 comment
#2128167

Thank you for sharing your experience, I was looking for customer experiences with this company. Now I know I will NOT be purchasing their scam policy.

ID
#3307604 Review #3307604 is a subjective opinion of poster.
Cons
  • Scam
  • Claims
Loss
$3570
Preferred solution
Full refund

Worst insurance company ever

Ran up 14,000 in hospital bills, company refused any payment

User's recommendation: Do not buy this insurance, complete fraud.

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ID
#2335933 Review #2335933 is a subjective opinion of poster.
Location
Wilmington, North Carolina

Improve laws related to health liability insurances

About 2 years I try to get money from the AAIC for the dental accident. I presented all documents, 3 panoramic films, another dentist conclusion, etc. But the AAIC is using an illegal trick to deny the claim - it demands complete dental records, which nobody has. I could present only what I had for 7 years. They forced me to attend several dentists but all was in vain. Asking my "complete" records they refused to give me my latest records- showing the reason of the accident. Only after 2 years they gave me them. The records justify my claim but the AAIC refused to answer related questions related to these records.

User's recommendation: Don't use this company. Contact your elected officials and demand to change laws related to insurances dealing with health care.

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ID
#2251815 Review #2251815 is a subjective opinion of poster.
Service
Aspen Insurance Medical Claim
Loss
$20
Preferred solution
The AAIC should be prohibited to deal with the Health care

Show why insurances as Aspen allow themselves to violate laws

As I indicated earlier, the AAIC denies obvious dental claims by demanding "complete dental records," which nobody has. The law that requires to treat policyholders and claimants fairly is universal for all states. For example, in Maryland it prohibits actions which are "arbitrary and capricious, lacking in good faith." The AAIC operates in many states and its demand for claimants to present complete dental records is illegal since dentists dont require previous dental records and, moreover, states allow dentists to destroy their records after a certain period of time. Since nobody can satisfy this requirement, this allows the AAIC to deny claims. There is a small probability to reach a settlement without an experienced lawyer, so that in most cases the amount of money obtained by a claimant (especially, elderly claimants) isnt enough to pay for the required future dental treatment. Unfortunately, state insurance administrations allow the AAIC to violate this law. I asked Maryland Liability Commissioners Mr. Baron, Ms. Bailey to answer whether the demand of "complete dental records" violates the Maryland law. The came question was asked Ms. Hatchette, the Maryland Associate Commissioner on Consumer Education and Advocacy. They refused to answer this question. Finally, this question was presented to Mr. Beal, the CEO and Chief Legal Officer of the National Association of Insurance Commissioners. The same result. As it wisely noticed Mahatma Gandhi, Corruption and hypocrisy ought not to be inevitable product of democracy, as they undoubtedly are today. It is well known that insurers and lawyers are generous political donors. This explains the situation.

User's recommendation: .My example of the AIAA demonstrates the need of new laws and regulations related to the health insurance industry.

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ID
#2251778 Review #2251778 is a subjective opinion of poster.
Location
Chevy Chase, Maryland
Service
Aspen Insurance Medical Claim

Dishonesty and violation of elementary norms and laws

Aspen American Insurance Company (AAIC), a subsidiary of Aspen Group, is a medical malpractice insurance provider . Aspen Insurance advertises itself as a leading global specialty insurance and each of its business lines is run by a group of highly respected and experienced industry experts who possess in-depth knowledge of the industries it serves. The first statement is correct: the company insures almost all – from dentistry to cyber security. The second statement is absolutely false. The company has no such experts and only greed and dishonesty characterizes its activity. A normal practice of insurances dealing with specific areas (e.g., car , home insurance) that have experts is to evaluate damages. Of course, a person can disagree with an estimate and then claim more in a court. But this is a logical procedure. The AAIC doesn’t follow such a procedure. Moreover, it ignores any letter with concrete questions (it is unable to respond since it has no experts in the field to do that). A dentist broke my bridge. To deny my claim the AAIC invented a fraudulent strategy. I was asked “the complete dental history.” I am sure that senior persons have no even their complete medical (not dental) history since during their life they changed the prime doctors and old medical records are not always sent to new prime doctors. As to dentists, persons change them often and none dentist even asks about previous visits and reasons. This is a simple medical profession. Dentists asked what a patient needs and offer a treatment plan. Nothing more. What Aspen demands is illegal. Such strategy force persons to file claims with a court. But then lawyers take a significant part of damages and usually the remaining amount of money is not sufficient to restore a damaged part. Senior persons suffer most. Moreover, this is one of the reason why our medical prices are the highest in the world. Insurances should be prohibited. to deal with the areas where they have no experts. Write similar complaints to the local and federal government.

User's recommendation: Write complaints to the local and federal government.

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ID
#1877552 Review #1877552 is a subjective opinion of poster.
Location
Chevy Chase, Maryland
New Reviewer

Fraudulent activity of insurances destroys our Healthcare system

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Aspen American Insurance Company (AAIC) claims that it is a leading global specialty insurance and each of its business lines is run by a group of highly respected and experienced industry experts who possess in-depth knowledge of the industries it serves. The first statement is correct: the company insures almost all – from dentistry to cyber security. The second statement is absolutely false. The company has no such experts and only greed and dishonesty characterizes its activity. A normal practice of insurances dealing with specific areas (e.g., car , home insurance) that have experts is to evaluate damages. Of course, a person can disagree with an estimate and then claim more in a court. But this is a logical procedure. The AAIC doesn’t follow such a procedure. Moreover, it ignores any letter with concrete questions (it is unable to respond since it has no experts in the field to do that). A dentist broke my bridge. To deny my claim the AAIC invented a fraudulent strategy. I was asked “the complete dental history.” I am sure that senior persons have no even their complete medical (not dental) history since during their life they changed the prime doctors and old medical records are not always sent to new prime doctors. As to dentists, persons change them often and none dentist even asks about previous visits and reasons. This is a simple medical profession. Dentists asked what a patient needs and offer a treatment plan. Nothing more. What Aspen demands is illegal. Such strategy force persons to file claims with a court. But then lawyers take a significant part of damages and usually the remaining amount of money is not sufficient to restore a damaged part. Senior persons suffer most. Moreover, this is one of the reason why our medical prices are the highest in the world. Insurances should be prohibited to deal with the areas where they have no experts. Write similar complaint to the local and federal government. (AAIC) claims that it is a leading global specialty insurance and each of its business lines is run by a group of highly respected and experienced industry experts who possess in-depth knowledge of the industries it serves. The first statement is correct: the company insures almost all – from dentistry to cybersecurity. The second statement is absolutely false. The company has no such experts and only greed and dishonesty characterizes its activity. A normal practice of insurances dealing with specific areas (e.g., car , home insurance) that have experts is to evaluate damages. Of course, a person can disagree with an estimate and then claim more in a court. But this is a logical procedure. The AAIC doesn’t follow such a procedure. Moreover, it ignores any letter with concrete questions (it is unable to respond since it has no experts in the field to do that). A dentist broke my bridge. To deny my claim the AAIC invented a fraudulent strategy. I was asked “the complete dental history.” I am sure that senior persons have no even their complete medical (not dental) history since during their life they changed the prime doctors and old medical records are not always sent to new prime doctors. As to dentists, persons change them often and none dentist even asks about previous visits and reasons. This is a simple medical profession. Dentists asked what a patient needs and offer a treatment plan. Nothing more. What Aspen demands is illegal. Such strategy force persons to file claims with a court. But then lawyers take a significant part of damages and usually the remaining amount of money is not sufficient to restore a damaged part. Senior persons suffer most. Moreover, this is one of the reason why our medical prices are the highest in the world. Insurances should be prohibited to deal with the areas where they have no experts. Write similar complaint to the local and federal government.

User's recommendation: Demand health problems to be insured only by health insurances.

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1 comment
#1862067

PissedConsumer sent me email asking weather Aspen contacted me. No.This insurance demands "complete dental records" that none has but didn't provide me with the dentist's records, who is guilty for breaking my upper bridge.

At last, I received his records, which were written more than a month after the accident and , nevertheless, which contradict Aspen statement that I attended the dentist with a damaged upper bridge. I prepared questions related to these records for the dentist to answer and asked Aspen to send me his response. Aspen refused to do that. My case is elementary simple.

It is not connected with an infection, bones damage, etc. as a result of treatment. The dentist's assistant (whose name and qualifications were not provided) broke the bridge. A simple analogy is: a person, attended a grocery, fell down because of a wet floor and broke his leg.

It is absolutely clear that the administration is guilty. In my case, the situation is even simpler. Inability of the dentist to produce a workable denture in 3 weeks (according to the plan), multiple impression procedures and untrained assistant created the accident. However, Aspen created the story that I came with a damaged bridge (this is a lie not supported by any records).

Moreover. it demands me to present from a dental care provider that the dentist " had breached the standard of care, that any alleged breach…had caused any injury, and causally related any damages incurred by Dr. Yanushevsky.” The accident was created by his untrained assistant. The dentist was not even in the room.

I brought a conclusion of another dentist who cautiously classified the accident as negligence. But Aspen dislikes his word “by Dr. Yanushevsky recollection.” Everyone would write that –because nobody was a witness of the accident. I am trying to get the dentist's answers concerning his dental notes which would make all clear even for dummies.

I will try attract attention of media as well. I would be thankful if you could help me with that.

Featured
ID
#1866121 Review #1866121 is a subjective opinion of poster.
Location
Chevy Chase, Maryland
Service
Aspen Insurance Medical Claim
Loss
$18000
Preferred solution
Full refund

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