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Business ProfileforSouthern Guaranty Insurance Company
Insurance Companies
At-a-glance
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Business Details
- Location of This Business
- 6021 142nd Ave N, Clearwater, FL 33760-2822
- BBB File Opened:
- 1/21/2020
- Years in Business:
- 56
- Business Started:
- 1/1/1968
- Business Incorporated:
- 7/19/1963
- Licensing Information:
- This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.BBB records show a license number of 42704 for this business, issued by Office of Insurance Regulation
These agencies may include:
Office of Insurance Regulation
2196 Apalachee Pkwy
Tallahassee FL 32301
- Type of Entity:
- Corporation
- Alternate Business Name
- SGIC
- Business Management
- Mr. Dale Schmidt, CEO
- Contact Information
Principal
- Mr. Dale Schmidt, CEO
Customer Contact
- Mr. Dale Schmidt, CEO
- Ms. Isis de Lama, Compliance Specialist
- Mr. Marcus Cushman, Complaint Specialist
- Additional Contact Information
Phone Numbers
- (833) 552-0828Other Phone
- (888) 912-4767Other Phone
- (833) 552-0828
Customer Complaints
13 Customer Complaints
Need to file a complaint? BBB is here to help. We'll guide you through the process. How BBB Processes Complaints and Reviews
File a ComplaintMost Recent Customer Complaint
06/18/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
In Feb 2024 I lost my job and signed up for a private plan through SGIC for my disabled son as a gap filler. I was assured on the phone that both his PCP and his Psychiatrist were in network. When I took my son to his PCP, they had never heard of SGIC before and are not in network. I turned around and went home without having my son seen for a necessary appointment related to medication management. With my son's psychiatrist it was the same thing, they are not in-network and would not file a claim, so I ended up with a lofty bill. I called ****** Services and they told me I could submit the claim myself, I followed their instructions exactly and after two months called the ***************** for an update - they have no record of my previous conversations and no claim from me. The information I had been given was wrong, down the mailing address and even a special claim form I needed to complete. I have been given false information repeatedly and never would have signed up for this policy had I known that my son's doctors were not in-network. I have also wasted tremendous amounts of time on hold and back and forth phone call between insurance and the doctor's offices trying to figure out how to get the ONE visit that we actually kept, paid for. We have been avoiding all other doctor's ************ and waiting until my new work plan kicks in before getting my son the healthcare he needs because SGIC has been useless. If the calls were recorded for quality assurance, record of what I was told should be on file. This feels like deceptive business practices and I would like a refund for the cost of my son's insurance given we were lied to repeatedly and what we were promised was not delivered.
Read MoreCustomer Reviews
11 Customer Reviews
What do you think? Share your review.
Most Recent Customer Review
B. W.
1 star
03/26/2024
My ******** purchased an Association for Responsible Planners (AFRP) Membership Plan that is included in Southern Guaranty Insurance Company (SGIC) short term health insurance that we pay for. We realize this type of health insurance is limited. I am not leaving this review because this insurance company didn't pay a claim we made. I am submitting this negative review because SGIC is a weak health insurance company that cannot provide even a properly completed Explanation of Benefits (***) when they deny coverage claim. The *** I received for a claim made was missing the drug * Code, this is a very important piece of documentation for an *** and without it the *** is pretty much useless. The SGIC *** has a space in a column where this code should have been entered, the column is titled "procedural code." SGIC left this space blank on my ***. I am provided financial support (money back) from the drug maker against the high cost of their drug when I get a shot, but because SGIC left this column space blank on the *** the drugmaker is rejecting my claim for the financial support they have promised me due to an incomplete ***. I have reached out to SGIC for over a month multiple times to ask them to correct their mistake and enter the * Code on the *** and to then send me an updated copy of the *** so I can submit it to the drugmaker for the financial support they have offered me. SGIC has informed me that they cannot make any changes to their *** or recreate an *** with the proper coding, sorry. I have tried everything; I've had multiple phone conversations with SGIC customer support including a conversation with a department supervisor. I have come to the conclusion as a result of being denied a correct *** that I needed to share my story with the BBB to log in my/our disappointment with SGIC. We have paid 7 months of premiums; all I needed was a correctly filled out ***. UGH! Probably be a good idea to look elsewhere...
Southern Guaranty Insurance Company Response
03/27/2024
SGIC values the opportunity to respond to your review. Respectfully, due to the protections of the Health Insurance Portability and Accountability Act of 1996 (HIPAA), we are unable to provide a public response to your review that discusses protected health information. Please know that your concerns were received by SGIC's ********************* and that a dedicated compliance specialist will be responding directly to you regarding those concerns. Thank you for your patience and understanding.
Customer Response
03/28/2024
I received contact from a representative of the ****'s ********************** this person represented themselves as a supervisor and informed me that they have reached out to the drug maker to resolve the challenges between the two companies. I am going to be reimbursed via the drug makers financial support program to help me out with the high cost I was charged for their drug. It has been a very frustrating experience/process, but I am here to explain that SGIC did get the issue of the *** resolved with the drug makers support program, thank you.
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