ComplaintsforAmeritas Life Insurance Corp.

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Initial Complaint
08/16/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Name: *** **** - Plan number: ********* Date of transaction: April 2023 – August2024 The amount money you paid to business: Monthly $43.41 What is the business committed to provide you? In the Ameritas official website Major 3 year 2 is 50% coverage whereby the plan they sell to me under Ameritas call Spirit is on 30% coverage. I only found out this sister plan after I paying 1 year and I want to treat my tooth. When I call in to report the complaint, they insist, since the tooth under treatment this tooth can not be switch plan or move be to the original plan. They just don’t want to admit their problem and help me out. I’m paying the same amount money but having a bad plan coverage from their original plan. What the nature of the dispute is? Unfair coverage % for year2 major3. Whether or not the business has tried to resolve the problem: I called in many times they refused to fix it. And keep telling me, the policy is not able to honor me major3-50% coverage. If the issue involves advertising, when and where the ad was seen or heard? **************************************************************************************************************************************************** 48.41 /mo Select Plan Find a Provider PrimeStar® Boost Major (Type 3) • Crowns • Root Canals • Oral Surgery • Dentures • Bridges • Panoramic X-rays • Implants • Periodontics • Teeth Whitening Plan pays Day 1 20% After year 1 50%
Business response
08/28/2024
August 28, 2024

BETTER BUSINESS BUREAU
***** * ******
OMAHA, NE 68137

RE: Complaint Case ID#: ********
Complainant: *** ****

To Whom It May Concern:

Receipt of your August 19, 2024, correspondence regarding the complaint filed by our member, *** ****, against Ameritas Life Insurance Corp. (“Ameritas”) is acknowledged.

While we would very much like to respond directly with you regarding the issues addressed by our member, in the absence of an Authorization for Release of Protected Health Information, as required by HIPAA; we are unable to communicate with you regarding any plan information for *** *****

Enclosed is an authorization form for *** **** to complete and mail or fax (************) to my attention. Upon receipt of the completed authorization, we will be more than glad to respond directly with you.

We have reviewed the information that your office forwarded to our office, and we will respond to *** **** directly.

Sincerely,

***** *******
Quality Management Section
************************** ** ************
F: ************
Customer response
08/28/2024

Complaint: ********

I am rejecting this response because:

I did upload the release consent form on August 19th, to the below person:

"**** ********* Here is Sara’s contact information: *************** ****** For faster processing, information regarding complaints can be sent directly to ***********************

RECEIVED AND SENT

thanks

**** ********
Dispute Resolution
Better Business Bureau®
************ **** **** Direct ************
BBB.org
Offices | Kansas City Metro | Lincoln | Omaha | Sioux Falls

Also I attached one more time here.

Sincerely,

*** ****
Business response
09/06/2024
Thank you for your correspondence. Since responses to the Better Business Bureau may be posted publicly, please understand that we do not wish to disclose any information due to applicable privacy laws.

However, we have been corresponding with *** **** regarding a resolution to her complaint.
Initial Complaint
08/13/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
February 7, 2023, I had my teeth pulled and received dentures at Aspen Dental. Ameritas Insurance company was my supplemental insurance company, my portion of the bill was around $1300, the balance was to be paid through my husbands work insurance ( they paid their full amount) and Ameritas Insurance. Ameritas gave Aspen Dental the balance of the bill. A year after I received the treatment I received a bill from Aspen the I owed $1889 more. Aspen stated they didn't know why Ameritas didn't pay the amount stated on the quote they said they would pay. When I purchased the insurance policy I explained that I was going to get my teeth and they stated they pay up to $5000 per year. When I contacted them with my concern about not paying what they said they would pay, he said they just tell you that to get you to buy the insurance???? I am very upset with this situation. please help
Business response
08/26/2024
August 26, 2024

***** * ******
OMAHA, NE 68137
ATTN: DISPUTE RESOLUTIONS

RE: Complaint Case ID#: 22134968
Complainant: Nancy Kumpf

To Whom It May Concern:

Receipt of your August 13, 2024, correspondence regarding the complaint filed by Nancy Kumpf, against Ameritas Life Insurance Corp. (“Ameritas”) is acknowledged.

While we would very much like to respond directly with you regarding the issues addressed by , in the absence of an Authorization for Release of Protected Health Information, as required by HIPAA; we are unable to communicate with you regarding any plan information for Nancy Kumpf.

Enclosed is an authorization form for Nancy Kumpf to complete and mail or fax (402-309-2579) to my attention. Upon receipt of the completed authorization, we will be more than glad to respond directly with you.

We have reviewed the information that your office forwarded to our office, and we will respond to Nancy Kumpf directly.

Sincerely,

Scott Craig
Scott Craig
Quality Management Section
scraig@ameritas.com
P: 402-309
F: 402-309-2579
Initial Complaint
07/03/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I recently had 6 dental vaneers placed on my top teeth. The dental office I used contacted Ameritas twice pre-approve the cost. Ameritas stated in both inquiries that the vaneers would be covered at 50% rate. After I had completed the dental process Ameritas declined to pay any amount and I was out the $4000.00 total.
Business response
07/11/2024
July 11, 2024

BETTER BUSINESS BUREAU
11811 P STREET
OMAHA, NE 68137

RE: Complaint Case ID#: ********
Complainant: *** *******

To Whom It May Concern:

Receipt of your July 3, 2024, correspondence regarding the complaint filed by Joe *******, against Ameritas Life Insurance Corp. (“Ameritas”) is acknowledged.

While we would very much like to respond directly with you regarding the issues addressed by our member, in the absence of an Authorization for Release of Protected Health Information, as required by HIPAA; we are unable to communicate with you regarding any plan information for *** *******.

Enclosed is an authorization form for Mr. ******* to complete and mail or fax (###-###-####) to my attention. Upon receipt of the completed authorization, we will be more than glad to respond directly with you.

We have reviewed the information that your office forwarded to our office, and we will respond to Mr. ******* directly.

Sincerely,
***** *******
Quality Management Section
**************************
P: ###-###-####
F: ###-###-####
Initial Complaint
06/25/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Purchased policy on May 15th - was never provided an insurance card. I have called daily since June 1st. In my screenshot it will show that I don't exist in the system. I have logged 32 phone calls and 16 emails. I need to pay $15K or I risk losing my teeth.
Business response
08/05/2024
Please see attached. Thanks!
Initial Complaint
06/18/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I did not agree to anything I don’t know why I am being charged
Business response
06/24/2024
Good Afternoon,
Due to HIPAA guidelines, we are unable to provide specifics in this forum. A representative from our Administration team has made several attempts to contact *** ******* by both phone and email. *** ******* is welcome to respond to the email or phone numbers provided. A letter detailing the specifics of the charge in question is being mailed out today, June 24th, 2024 to the address on file.
Initial Complaint
04/14/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
We failed to deposit a claim check on a timely basis. The check was charged back by our bank - Bank of America - in December 2023. In subsequent Email communications with Ameritas on 12/29/23 and 02/09/24 customer service representative stated that they would have the check reissued. To this date it has not been reissued.
Business response
04/25/2024
April 25, 2024

****** ******** ****** ***** * ****** ****** ** ***** ***** ******* ***********

*** ********* **** **** ******** ************ ****** *******

To Whom It May Concern:

Receipt of your April 15, 2024, correspondence regarding the complaint filed by our member, ****** *******, against Ameritas Life Insurance Corp. (“Ameritas”) is acknowledged.

While we would very much like to respond directly with you regarding the issues addressed by our member, in the absence of an Authorization for Release of Protected Health Information, as required by HIPAA; we are unable to communicate with you regarding any plan information for ****** *******.

Enclosed is an authorization form for Ms. ******* to complete and mail or fax ************** to my attention. Upon receipt of the completed authorization, we will be more than glad to respond directly with you.

We have reviewed the information that your office forwarded to our office, and we will respond to Ms. ******* directly.

********** ***** ******* ******* ********** *******
Customer response
05/04/2024
I want to keep the complaint open until the matter is resolved. The form sent by the company is being faxed to them today, within the 10 day response guidelines. However this company just delays, delays, delays. P,ease keep this complaint as “still in process “
Business response
05/16/2024
May 16, 2024

****** ******** ****** ***** * ****** ****** ** ***** ***** ******* ***********

*** ********* **** **** ******** ************ ****** *******

To Whom It May Concern:

Receipt of your May 6, 2024, correspondence regarding the response from our member, ****** ******** against Ameritas Life Insurance Corp. (“Ameritas”) is acknowledged.

Upon receipt of your initial correspondence, we responded to the member on April 25, 2024.

As a regulated insurance carrier, we must receive a completed Authorization for Release of Protected Health Information, as required by HIPAA. Since we have not received a completed authorization form, we are unable to release any plan information for our member, ****** ********

********** ***** ******* ******* ********** *******
Initial Complaint
04/11/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Transaction Date 04/25/23 ****** ****** ****** Mountain View - Phone 864-877-6477 Treatment Plan Total Amount is $5,200.00 for dental implant top denture My Portion - $2718.00 Ameritas Insurance -$2482.00 ****** ****** ************** Member ID **********
Business response
04/15/2024
To Whom It May Concern:
Receipt of your April 11, 2024, correspondence regarding the formal complaint filed by **** *******, against Ameritas Life Insurance Corp. ("Ameritas") is acknowledged.
While we would very much like to respond directly with you regarding the issues addressed by our member, in the absence of an Authorization for Release of Protected Health Information, as required by HIPAA; we are unable to communicate with you regarding any plan information for **** ********
We have reviewed the information that your office forwarded to our office, and we will respond to *** ******* directly.
Initial Complaint
03/28/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Correctly charge people. Make the billing and benefits transparent. The explanation of benefits is one big false advertisement. The MAXIMUM I should have been billed according to the benefits I attached is $105. I had one tooth pulled and my total bill was $149. They only paid $8.50. I received a bill of $140.50 from my dentist. This is obviously deceptive practices and completely unethical. I demand all monies paid to them to be refunded and my account to be canceled.
Business response
04/11/2024
Please see attached response. Thank you.

RE: Complaint Case #: ********
Consumer: ******* ****** ***

To Whom It May Concern:

Receipt of your March 29, 2024 correspondence regarding the formal complaint filed by our member, ******* ****** ****
against Ameritas Life Insurance Corp. (“Ameritas”) is acknowledged.

We are sorry to hear of ********* dissatisfaction with Ameritas. At Ameritas, we strive to provide excellent customer
service to our customers.

Due to HIPAA and other privacy regulations, we have tried to reach the member directly by phone. As the phone
conversation was ended by the member without resolution, we have followed up with the member directly by email.

Sincerely,

***** *****
Manager, Group Customer Connections and Operations, Administration and Licensing
Initial Complaint
12/27/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
DEAR BBB IM REACHING OUT TO THE BBB TODAY BECAUSE IM HAVING PROBLEM ISSUES WITH & INSURANCE COMPANY THATS PROVIDE DENTAL INDIVIDUALS PLANS THATS U CAN USE AS & STAND ALONE DENTAL INSURANCE POLICY PLAN CONSUMER HAVING PROBLEM ISSUES WITH AMERITAS INSURANCE COMPANY REFUNDING HIM ON & OUT OF NETWORK PROVIDER HE SEEN THATS WAS NOT COVERAGE BY HIS AMERITAS DENTAL POLICY PLAN COVERAGE CONSUMER CAN INCLUDE THE EMAIL ATTACH HE SENT DENTAL CLAIM PAYMENT TOO ****************** consumer dental plan policy customer sent all the attachment claims forms & documents to the email address he include in the written statement the ameritas dental plan policy customer pay monthy premium to use the dental insurance policy plan in his dental insurance policy network coverage map the ameritas dental plan policy holder went to & dental provider called ***** ****** they was out of my dental plan network so the ameritas dental policy plan holder had to paid 29 dollars to see the medical dentist provider at aspen dental location ameritas dental insurance company refuse to honor the dental plan policy holder & active claim reimbursement claim check payment issues to the ameritas dental policy holder because he had to pay out of network coverage on his own behalf
Business response
12/27/2023
Attached is our response, dated 12/27/23.
Complaint Case ID #: ******** Complainant: ******* ******** To Whom It May Concern: Receipt of your December 27, 2023, correspondence regarding the complaint filed by our member, ******* ********, against Ameritas Life Insurance Corp. (“Ameritas”) is acknowledged. While we would very much like to respond directly with you regarding the issues addressed by our member, in the absence of an Authorization for Release of Protected Health Information, as required by HIPAA; we are unable to communicate with you regarding any plan information for ******* ********. Enclosed is an authorization form for *** ******** to complete and mail or fax (************) to my attention. Upon receipt of the completed authorization, we will be more than glad to respond directly with you. We have reviewed the information that your office forwarded to our office, and we will respond to *** ******* directly. Sincerely, ***** ********
Customer response
01/05/2024
ameritas plan member reject business response because ameritas dental claim department faliure to honor dental claim payment
Initial Complaint
12/20/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I have dental insurance through Meritain Health and Dental network is Ameritas. My premiums are 255.02 every three months. On 1-6-23 my check cleared for Dec-22, Jan& Feb23. On 4-14-23 my check cleared for March, April &May 2023. Because I got another bill saying I had not paid, I sent another check & it cleared 5-2-23. I was later told they would apply that money to my June, July & August premium. They did not apply the money to my account. On Sept 1, 2023, I sent a check for Sept, Oct & Nov which they applied towards June, July & August. So those three months were paid twice. I received another bill for Dec-23 Jan & Feb 24 that check cleared 12-18-23. They also charged my credit card. In August I had a dental appointment and when ******* Dental billed my insurance company they never paid. I have called 48 times, faxed and emailed proof of all my payments. I get transferred from one department to another and have been disconnected numerous times.
Customer response
01/02/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********. I appreciate that you are forwarding my complaint. For now I'm satisfied, but I would like a response from the company.

Sincerely,

******* ******

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ComplaintsforAmeritas Life Insurance Corp.

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