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Over 445 reviews for
Fair Oaks Health Insurance Providers from people just like you.

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"Bottom line is contractual provisions were not met and it was apparent they were trying to avoid meeting their contractual agreement with both the patient and medicare." This is a fraudulent company and I will be pursuing legal actions not limited up to and including a
filing for criminal actions.

-Jack S.

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"It is difficult ot deal with this company unless you are happy with only doing this on line. We are covered and I am glad about that. $500/month for people who are" not given health insurance as a benefit is not a good deal. We only have it in case of major health issues. I hope we don't run into that problem.

-Teri B.

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Angie's Answers

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Hi,

 

This is Leah B. in Member Services, happy to help!

 

I may need more clarification in order to accurately answer your question. It sounds like you may be trying to locate or review health insurance brokers or agents. You may also be referring to Navigators hired by state and federal government to help people choose an Affordable Care Act plan prior to the sign-up deadline of March 31. In any case, we do not have a category to rate ACA Navigators at this time. If you want to review or locate an insurance provider, a specialist would be happy to help at 888-944-5478, or memberservices@angieslist.com.

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Hi,

This is Kyle K from Member Care. I'm happy to help!

It looks like another representative was able to address your question yesterday but I just wanted to touch base here. Please let me know if I can assist further. You can respond to this thread or submit a new Answers post. You can also reach us at memberservices@angieslist.com. We're open weekdays from 8:00 am - 9:00 pm and Saturdays 8:00 am - 5:00 pm ET.

Health Insurance Agents reviews in Fair Oaks

F

Rating
Fair Oaks Health Insurance Providers Provider Name Locked
has me worried. I signed up in December and haven’t gotten a bill. I called them in January, they said I would get a bill shortly and when I got the bill I called them, tried to pay it over the phone. I was on hold for thirty seven minutes and then they hung up on me. So I went to a different number and they said that the billing department wasn’t even taking phone calls and their mail boxes are full, and said they would call me later. I called back two days later, I paid with a credit card, got a confirmation number on Friday, the ninth, I gave them a couple days to get me into system, I called Tuesday, the 13th of this week to try to find out information about how to get prescription with this plan because I have no information. Their prescription company that they use is Catamaran and they said that the account wasn’t active yet and asked me to call back in two days. I called back the insurance company saying I have the confirmation number but I am not in the system yet, and if they could add me in the system so I could get the prescription and they said give it two days. The very next day, the health insurance company called me and said you need to pay, you haven’t paid yet and we are going to drop me. I said I have the confirmation number, they said that will not help them at all and said they must have printed it out before you paid. I was like why would they print it out before it was due and give it you on 13th when I paid on the 9th. It didn’t make sense so my confidence in them is dwindling quickly and I feel like it was a beaten switch. I went with them because when I looked them up on the government healthcare site, I specifically looked at every plan and if they had my primary care physician and they had her listed. When I went to confirm that after I paid, they said, oh she is not in our plan but you can pick someone else. So the whole reason I went with them was a sham.
- Heather S.
A

Rating
We’ve been using them for around 6 months. Setting up the insurance was easy and was done by phone and mail. The woman on the phone was very personable and took the time to explain everything. She was great and couldn’t have done any better.
- Frank P.
D

Rating
We purchased
Fair Oaks Health Insurance Providers Provider Name Locked
thru the marketplace which started 1/1/2015. On the marketplace we were promised things like chiropractic, counseling etc without details provided. They sent ID cards, Hippa Statement and one page on how to access their web page. They never sent a health insurance policy which is a legal contract with specifics. They are a "value" company and from my current experience with them it is about them getting the value. I see very little value for me at their high prices. I talked to 2 out of 3 people who didn't want to help me get a policy or spend time helping me with my questions. They didn't really want to help answer my questions and told me they didn't want to help me. But I perservered. The first person said that if I just spent "some time on their web site I could look around on their web site for the answers".I told her that that isn't appropriate to sell me a health plan without getting the plan. I didn't want to put the pieces together. The last person was very helpful with discrepancies I couldn't figure out. (1),We had a PPO plan where we only pay the copayment and could go in-network and out-network. Why did it also say $6,000 individual/$12,000 family deductible responsibility? Found out that if we go in-network only have to pay copayment. Otherwise all out-network costs goes toward $6K and $12K before we can use the policy.(2). They advertise on TV it can be used in all 50 states. We have a suitcase on our ID card. But the 50 states is about visiting out of state. The 21 county coverage in our state is considered in-network. If you moved or stay out of state too long then you're going to have out-network acccumulation toward $6K and $12k. And then you should cancel this insurance I was told.(3). They never mentioned the huge list of preauthorization services where you get maybe 5-6 visits approved then need to reapproved again. All those little extras like chiropractor, counseling advertised in the marketplace look good on paper but they need approval and quess what ? You will be paying
Fair Oaks Health Insurance Providers Provider Name Locked
a much higher amount than paying cash directly to the providers. Also the providers usually offer discounts for cash. Paying $40 directly to my chiropractor is cheaper without preauthorization than $70 with preauthorization because they considered it a specialist service. All those services are classified at their specialist rate. (4) The prescription coverage was OK not exciting. I still pay $20 each for some drugs. So basically since the congress and
Fair Oaks Health Insurance Providers Provider Name Locked
were so busy trying to get obamacare defeated the insurance companies are selling high cost insurance where no one can really get any benefit from it. My husband did an excell sheet on every plan offered in the marketplace(63 of them) for 2 weeks and by the time you reach the $6K or $12K
Fair Oaks Health Insurance Providers Provider Name Locked
you will be making these insurance companies profit and value for them but little value for us, the public. You will never get to use your insurance at the $6K/$12K deductible unless there is a catastrophic event. (5) Make sure to get them to send you a healthcare policy because it is easy to make mistakes when it comes to in-network and out-network costs. They say they will punish you if you use out-network providers and set it up like a mine field because you don't have a policy to help you know what you are doing ahead of time. Their web page isn't that useful when you are trying not to waste your money. I haven't written too many reviews on Angie's list but I am hoping that
Fair Oaks Health Insurance Providers Provider Name Locked
improves the information they provide on their web site and send out a benefits booklet to their healthcare consumers at the time of purchase.
- Janice F.
F

Rating
My 80 yr old mother had pd premiums to
Fair Oaks Health Insurance Providers Provider Name Locked
through my dad's Entergy retirement pension since 1989 and was told at the local pharmacy in November that she no longer was covered and has had to pay full price for her 11 medications ever since because THEY (
Fair Oaks Health Insurance Providers Provider Name Locked
) WILL NOT ANSWER THEIR PHONE, EMAILS OR RETURN MESSAGE CALLS!
- Kerri Z.
A

Rating
They work with a facility I use for pain management. They gave me a bracelet that allowed me to stand and walk. They have unbelievable braces. I have not fallen down since I had it. I can stand up and walk without major back spasms.
- Miriam I.
D

Rating
As I said, Customer service had no explanation, and I received no notification. My company conforms I have paid my premiums, so there is really no reason for this.
Fair Oaks Health Insurance Providers Provider Name Locked
has poor poor customer service. I request they 1) I demand
Fair Oaks Health Insurance Providers Provider Name Locked
to quickly reestablish
Fair Oaks Health Insurance Providers Provider Name Locked
. coverage 2) IAetna to not cancel coverage without sufficient notice and per federal and state requirements of the Maryland Insurance Administration (for which I'll be investigating a parallel complaint) 3) Ireimbursement to my company (and ultimately to me) charges I've paid to have coverage for my wife (listed as self + spouse) yet
Fair Oaks Health Insurance Providers Provider Name Locked
in their own admission has failed to provide.
- Patrick M.
F

Rating
Coverage started 12/1/2014, it's now 1/6/2015, we have yet to recieve a welcome packet w/ our medical cards, company info, no call, nothing. But they have been collecting the premium every week since 12/1/2014 of $122 a week. When you try to call them, good luck, you will never reach a person. I called the HR dept at my husbands work & had to get our medical card id # from them, as we both had upcoming appointments & needed scripts filled. Our coverage, that we are paying $600 a month for, won't cover any of our prescriptions, inhalers, lexapro, abilify, antibiotics, nothing. THEN, we find out that they will not cover me to see not just my doc i have been w/ for 8yrs but no psychiatrist at all. They refer you to OptomRX, a sub of theirs but still, no doctor here in
Fair Oaks Health Insurance Providers Provider Name Locked
will accept United Healthcare or it's affiliates, none. So I wanted to know why. I did some research & met w/ my doc, who I had to pay cash to. United Healthcare is in a court proceeding right now because they are finally being sued for not paying their bills. And now, if we do get seen & provide our medical id's, when that doc files the claim for our coverage to pay, United Healthcare denies the claim & sends it back to our doc & we get billed for the visit instead. Come to find out, this is what they do to everyone who has their coverage. They grossed 2.8 billion last year. Because they are collecting from every person insured w/ them & denying all claims so it's all profit. Now the question is, can we opt out of this scam. Well,
Fair Oaks Health Insurance Providers Provider Name Locked
husbands HR dept says we signed up late for coverage, and she had to make an " exception " for us to get it, so we may have to pay this scam until next december. That will be $7000 paid to United Healthcare for no coverage, on top of paying $4000 this year for prescriptions & $2600 this year in doc appointments. So because we chose United Healthcare, we will spend $13,600 for meical this year, nevermind our house payment & all our other bills. Now, I am thinking,
Fair Oaks Health Insurance Providers Provider Name Locked
, my husband's HR dept must be aware of what United Healthcare is doing if everyone else in the US knows whats going on, and realized, of course they know, but yet this is what they offer their employees, offer them into a complete corrupt scam. That shows us that SBA, my husbands company, could care less about their employees if they are willing to do this to them. Maybe SBA & every other work place who pushes their employees into this scam, is getting some sort of cut in the profits, something is keeping SBA from changing their medical insurance & it's not the fact that this is a great medical plan. Anyone who is being offered United Healthcare as coverage thru their job, their job cares nothing about them or their families. For further confirmation of this, google United Healthcare complaint/reviews & you will be amazed at how many people are going thru the exact same thing as us, it made me sick to my stomach when I started reading the reviews. I hope everyone reads this before believing that this is good coverage.
- David C.
B

Rating
Like any large insurance company they have pluses and minuses. We have them as an HMO (Health Maintenance Organization), as such we have to obtain "Referrals" to see any specialists (non-primary doctor such as cardiologist, dermatologist, urologist) - this is a wee bit annoying but you get used to it. My co-pays are not bad $25 for primary doctor (children under 18 are free), $40 for specialists and $100 for hospital per day, we have their prescription drug plan too (some drugs are higher than others). We have no deductibles to meet under our HMO plan. Wellness and preventive care are full covered. My wife had three (3) hip replacement surgeries (one was recalled by
Fair Oaks Health Insurance Providers Provider Name Locked
&
Fair Oaks Health Insurance Providers Provider Name Locked
and had to be redone) with them and other than our copays as noted above no other out of pocket costs - except for a few durable medical equipment (Walker/Cane/Grabber/Handicapped Toilet). I have Sleep Apnea and they full cover the tests and appointments (minus my co-pays) but the durable medical equipment is only covered at 50%. The have a website that easy to use to track claims. All in all they are a very good insurance company (but not excellent) - good luck finding one that is "excellent".
- Richard G.

All Health Insurance Providers in Fair Oaks, CA

Companies below are listed in alphabetical order. To view top rated service providers along with reviews and ratings, Join Angie's List Now!

Advante Members Only

140 E 28 th St

Alex Rue Insurance Agency Inc

9815 Antelope Rd
Roseville

All Types Insurance Agency

805 twelve Bridges Dr. #15

Allegiant Group Inc

189 W Clarkston Rd

BARBARA HANSON LONG-TERM CARE

Secure PO Box 1595
Felton

Blue Shield of California

100 N Sepulveda Blvd
El Segundo

Careington Care 500 Plan

7400 Gaylord Pkwy

Cigna Health Insurance

PO Box 997561
Sacramento

DELTA DENTAL

11155 INTERNATIONAL DR
Rancho Cordova

Delta Dental

PO Box 997330
Sacramento

Dorothy McGinty call 862-266-6104 Today

MAJOR MEDICAL HEALTH INS, MEDICARE SUPPS

EhealthInsurance Services Inc

11919 Foundation Pl
Rancho Cordova

Embrace Pet Insurance

4530 Richmond Rd

HEALTH BENEFIT CONSULTANTS LLC.

20275 Honeysuckle Dr.

Integrity Now Insurance Brokers, inc.

4182 Viking Way
Long Beach

Kaiser Permanente

10725 International Dr
Rancho Cordova

Kaiser Permanente

2008 Morse Ave
Sacramento

Kaiser Permanente Medical Ctr

2025 Morse Ave
Sacramento

Khurana, Dr. Anuradha

1600 Eureka Rd
Roseville

SCAN Health Plan

385 Sacramento St
Auburn

SCI & Associates

25129 The Old Rd
Stevenson Ranch

Secure Health and Life

1929 Cassia Rd
Carlsbad

Senior Health Direct

719 E. Grand River Ave.

STATE FARM INSURANCE - JD SNEAD

10901 FOLSOM BLVD
Rancho Cordova

United Health Care

PO Box 30555

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