Reviews

Review Details

• Review fromBrad D

  Date: 04/22/2025

  1 star
  I purchase the "EMI Health Individual Dental Advantage PPO Policy" through the Federal Market Place and checked to make sure my dentist and my wife's dentist were in-network before selecting this plan. After we both got, what should have been 100% completely covered" preventative cleanings and x-rays, I received notice that our doctors were not in network and the we would need to pay an out-of-network deductible and since they are out of network, there is also a MAC (Maximum Allowable Charge) that is applied to the bill. This is very deceptive as the plan sheet shows - Advantage Plus Network = 100% coverage and Out of Network = 100% up to MAC*. (*) = small print located at the bottom of the plan documents. Basically, they didn't cover any of the preventative costs of both visits, leaving ** to pay the entire amounts for both visits = close to $1000.00 out of pocket for us. There system to check if a doctor is in network when signing up is completely different than when you check once you have the insurance. The card actually says "Advantage Plus" which corresponds to the in network column on their plan sheet but there is also a "Denimax" logo on the card that is used for finding doctors when you check through your plan account. Both the doctors that were shown as in-network when signing up are no longer in network when checking through the website. Either my bills are paid as "In-Network" preventive coverage or I am dropping this coverage. The EMI Health Individual Dental Advantage PPO Policy coverage is deceptive and purposefully deceiving plan documents.Avoid this plan at all costs

  EMI Health

  Date: 04/23/2025

  I'm sorry that you had this unfortunate experience. We are not sure where you verified the provider being in network. We only show two communications regarding your account. One from the provider on 3/11/2025 where they were informed, they were out of network and a call from you after the date of services on 4/14/2025 discussing how the claims paid.DentiMax is a national dental network that we lease and Advantage Plus is the name of the policy.

• Review fromMare J

  Date: 03/17/2025

  1 star
  Absolutely pointless. No one accepts it. Its a ********** for someone???Should be not allowed.

• Review fromKelly S

  Date: 03/13/2025

  1 star
  The dental coverage end of things has been a nightmare. I tried since January to pay on their pay portal. Finally in February 10 I received a bill and sent a check through my bank. It went to the wrong address, but it was cashed but not until March. In the meantime thinking I was covered i had my yearly exam. *** called me to to tell me I was not covered. I called *** and they said they never received my check. I sent an email to customer service and they said well the check was applied to your January and February premiums. Now you owe 9.00 for April. Somebody dropped the ball. **************** never gets back to you until you complain about something they did. Now I have a large bill. I'm a student on a fixed income. It doesn't seem fair.

• Review fromSkyler P

  Date: 02/17/2025

  1 star
  I moved and their plan doesn't cover my new location. There is no way online to cancel your plan. There is also no way to get ahold of a representation; their customer service phone lines have all been disconnected. AVOID THIS PLAN! I wish I read reviews before this. Now I have to pay for a plan that I can't use. It auto renews as well and there is seemingly no way to cancel!

  EMI Health

  Date: 02/19/2025

  Unfortunately, because the policy was purchased through the federal marketplace ****************************** the policy can only be cancelled through the federal marketplace ****************************** as well.

• Review fromHoward J

  Date: 02/16/2025

  1 star
  Terrible company.Had to pay 150 out of pocket for Dr. ******* blood work.Then had to pay an additional 450 that they would not cover.An absolutely disgusting company. If you have any other option, take it.This company is a scam operation.

  EMI Health

  Date: 02/19/2025

  Your health insurance plan has an $8000 in-network deductible. The claims you are talking about are covered under the plan but are going to your deductible.

• Review fromMaren F

  Date: 12/17/2024

  1 star
  Worst insurance I've ever signed up for. They barely covered anything from my dental extractions and then denied half of what they originally approved. Can never get ahold of anyone either. AVOID!!!

• Review fromMICHAEL V

  Date: 12/13/2024

  1 star
  *** is HORRIBLE Do not ever use this company for dental insurance. They lied to me and my local dentist office. *** said they paid their portion of dental work and NEVER did. I was stuck with hundreds and hundreds of dollars that had to be paid or it would have affected my credit etc. They caused myself MANY issues due to their crooked ways of doing business and not paying correctly to dentist offices. I heard of more horror stories than mine. DO NOT USE THESE NO GOOD CROOKS.

  EMI Health

  Date: 12/16/2024

  We apologize for this experience you have had. We would love to hear more about your situation so we can find a way to help. Please reach out to ***************************** and we'd be happy to review your situation.

• Review fromJanet R

  Date: 12/10/2024

  1 star
  Please think twice if you are considering *** for dental insurance this coming year. I am beyond disheartened by my experience with *** Dental Insurance this year. My children are entitled to two services a year, they only received one, however, despite my children receiving routing dental care months ago, *** has refused to pay for the service, leaving us to deal with an unresolved payment for over 5 months. I placed my trust in ***, instead I have been left feeling helpless and burdened both financially and emotionally. To anyone considering *** please think twice.Please *** do the right thing and pay for the services. I paid my monthly contribution to you on time, now it is your time to do the same.

  EMI Health

  Date: 12/16/2024

  Your situation has been reviewed and hopefully resolved. Please let me know if you have any additional questions.

• Review fromMike F

  Date: 12/08/2024

  1 star
  The absolute worst insurance company I've ever dealt with in my 62 years. They deny everything as a standard practice. I had a surgery that they had approved, now they wont pay the bill from many months ago. They regularly refuse to pay for medications. I just got an email from my family *** that I necessarily see every month, they refuse to pay any part of the bill from my recent office visit. My $25 copay just turned into a $250 bill, and I still have to see my *** again next month.An absurd and irresponsible company, stay away if you can. I may go broke paying for an attorney to sue them, I will do it regardless. I refuse to let this company bankrupt me over medical bills that they're refusing to pay that they undeniably owe. I'd rather go bankrupt over paying a lawyer to sue them. They are crooked, immoral and they operate illegally. Meanwhile I am injured from a surgery gone wrong, I've spent nearly a year laying in bed for 23 hours and ***** minutes daily. They still won't pay for an MRI, I've had to pay for several myself already. I can't sit, walk or stand for more than a couple minutes without unbearable pain, they simply don't care. They just continue to deny.

  EMI Health

  Date: 12/16/2024

  We apologize for this experience you have had. We would love to hear more about your situation so we can find a way to help. Please reach out to ***************************** and we'd be happy to review your situation.

• Review fromEmily S

  Date: 12/06/2024

  1 star
  Prior to enrollment in ***, we (we have recordings) spoke to a representative. was given a multitude of inaccurate information. Specifically that there was no more detailed plan other than the 2 page benefit information, and that if our daughter was diagnosed with Autism Spectrum Disorder the hard limit of 20 visits per injury/illness would cease. After learning this information we then perused as Autism diagnosis from specialists and our pediatrician. I then called (we have the recording) to ensure that I followed the correct steps from ***. During this phone call the representative assured me that once our pediatrician provided the diagnosis that the hard limit of 20 visits would cease. We followed up with our pediatrician to provide the diagnosis. Based upon the representatives information we continued our current rate of therapy. One of providers informed us that her visits were almost at the limit. Although her speech was under her Autism diagnosis and the physical therapy was under her Angelman Syndrome diagnosis.Mrs. ***** intentionally wrote an inaccurate and misleading service statement that in no way represented this situation that led to a biased decision from the internal committee. Mrs. ***** has been neglectful in her duties, and has ensured that ****** received an unfair appeal based upon the information provided by Mrs. ****** She has never taken time to convey information on the plan unless expressly asked, which is like playing a game of password with our childs health. The obligation of Mrs. ***** to provide requests for education on the plan and policies, have been ignored. When speaking to her, she only discloses limited information, and isnt transparent on all of the *** policies. She will speak in jargon, and when asked for explanations (CPT codes) that is ignored by Mrs. ****** In addition we have now received a flat out rude email with the words Once again