Customer ReviewsforSouthern Guaranty Insurance Company

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...

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.

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.

Its a SCAM and a 5k ER medical bill and Im expected to pay **** of it. **** out of pocket *** is a scam. This isnt *********** or any other company like it. They are a joke.

********************** case is an example of the difficulty most Americans face with their decision of what type of insurance they should purchase so that their premiums are affordable on a monthly basis.  SGIC offers a very wide range of Policies to allow consumers to customize benefits based on the affordability of monthly premium.  In this case, we do not know what criteria ****************** used to select his coverage, but he worked with an independent insurance agent and purchased an SGIC short-term medical insurance policy with a $2,500 annual deductible and a $500 limit on Emergency Room benefits.  When ****************** visited the *** SGIC handled his claim promptly, within 3 days of receipt, and paid according to the benefits he selected.

Your agents that your contract to sell your services sell as full coverage. On top of that, that I can go to any medical service provider I want and it was 80/20 for ER services after deductible is met. Even with the $500 per visit. You’re not telling the whole story that even in your own employees words from Florida, your company regularly does this. You declined $1926 in bills that in your own I’m house rep said was “out of the average cost” of an ER. I’m a sales manager that used your services in transition. Don’t think for a second I’m unaware of bad sales tactics and your public omission, to “retraining”. You are aware as your horrible reputation still shows this and your google reviews that are part of “selling” your company to individual agents. Your copy paste is sloppy. Shall we continue? Fool me once, but I know you won’t contact me to make it right or even have the conversation. You know who I am clearly.

The same happened to us Laura l. I've had it for 2 months. And when we were searching to get an appointment scheduled no one accepted this insurance. Asked to cancel and get a refund and said they couldn't. Due to over 30 days. Never even used it I could've used them funds on my kids. That place is a scam. What's really bad is I called bluecross blue shield at first and I was told that they worked with that insurance. So they transferred me to this insurance. Thinking it was going to be ok.

Dear ********************, 

Thank you for the opportunity to respond to your review.  Your review was submitted to the Southern Guaranty Insurance Company (SGIC) ********************* last week.  Respectfully, we request an additional seven (7) days to complete a full investigation into your reported issue.  We will provide a complete an accurate response to your complaint on or before August 28, 2023.  

Very respectfully, 

SGIC Compliance