ComplaintsforSovereign Nations Insurance

• Initial Complaint

  11/13/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  There was never a conclusion met. Just two phone calls and that was it. When I signed I told the agent of my needs and I called twice when the insurance started about a doctor or two not being on the list. I got the run around then and the shades pulled now. Also there was no message, letter, email from them stating I had went over any limit of any sort. No conclusion.

• Initial Complaint

  08/01/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Canceled my policy August 1 2023 they won't refund me my payment for this month I started new insurance I called Sovereign and this lady told me I couldn't cancel until I received my new insurance and had my new policy number I received it today called them to cancel and they said they can't give me my payment back for this month because they took it out July 27

  Business response

  08/01/2023

  Hi ****************, Thank you for your feedback about Sovereign Nations Insurance. We are sorry to hear that you had a negative experience with our services, and we would like to apologize for any inconvenience caused. At Sovereign Nations Insurance, we take all customer feedback seriously, and we appreciate the opportunity to address your concerns. We have reviewed your account and transaction history and have submitted a request to our billing department for a refund of your July 27th premium payment. If you have any questions, feel free to contact the *** Compliance Team during business hours at ************ or *********************. Compliance or our Client Support Team will be more than willing to further assist you. Thank you. 

• Initial Complaint

  07/07/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  i was all around swindled by the agent that signed me up and they specifically looked up my doctors to confirm the ability to use this insurance, if was false. paying hefty costs out of pocket repeatedly I decided to stop this insurance from collecting and cancel since it was not helpful at all. by law the coverage should have continued until the new insurance picked up the next month as I did in fact pay and they have now stated to the doctors office i didn't have coverage and denied the claim completely. i want my cost for the last visits retuned . do not use this coverage it is a scam and the customer service line is extremely difficult to deal with and very unhelpful. they were rude on the next level and would hang up and transfer to lines that hang up intentionally. poor company very bad!!

  Business response

  07/07/2023

  Hi *****,

  Thank you for bringing this to our attention. Sovereign Nations Insurance (***) appreciates and takes your feedback very seriously. We apologize for your negative experience with the insurance broker who sold you our policy.
  We continue to hold the insurance brokerage firms that sell *** Policies to the highest standard. If the *** Client Support or Compliance Teams receives complaints regarding an insurance broker, and the broker has violated the companys Agent Code of Conduct, we conduct a thorough investigation, and the agent is subject to license revocation.
  The companys Agent Code of Conduct does not tolerate misrepresentation of *** Policies. The insurance broker has completed high-level training to uphold an *** Agent License, therefore it is the responsibility of the licensed broker to provide the potential enrollees with an in-depth description of the *** Policy Brochure to verify that the product accommodates the needs of the individual(s).
  I will reach out to you today by phone and email to help resolve the issue. Thank you again for the feedback.

  Customer response

  07/08/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is unsatisfactory to me. The response mentions nothing if the denial of active coverage for my appointment/claim while my term was still paid in full. 
  
  Sincerely,
  
  *************************

• Initial Complaint

  05/13/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I purchased health care insurance from Sovereign Nations, beginning in September 2022. Cost of the insurance was $378.96 / month. Two months after purchasing the coverage, I had a serious health event that put me in the hospital for 9-days. The cost of that event was over $100,000. This insurance Company has denied almost all payment. Additionally, in September 2022, I had appointments at *********** in *********. I called the insurance company IN ADVANCE to ensure the insurance would cover the follow-up / preventive appointments with Neurology and other specialties. I was assured the appointments would be covered. Two days ago, I received a letter from *********** indicating that my insurance had DECLINED coverage for the appointments. While I was in the hospital in November (9-days for the serious health event) I contacted the Company because the Hospital was receiving information that coverage was an issue. The representative I first contacted (again, from the HOSPITAL while in the midst of a serious health crisis) offered to up-sell me additional coverage. When I asked to speak to a Supervisor or Manager, the call was disconnected. I called back later that same day and was treated so rudely I could not fathom this was a legitimate business. Again, the agent disconnected my call. This was not due to any behavior that would warrant them hanging up on me. In January 2023, I wrote a letter (based on information I found on the back of my insurance card) to dispute their denial of almost all charges. I provided all details necessary to investigate the claim / the disputed charges. To date (May 13, 2023) I have not had the courtesy of a response. This Company sold insurance that DOES not exist. They deny coverage for a catastrophic health event. And they deny coverage after verbally approving (the *********** visits). I'll be initiating legal action but I need your help in getting a response (any response) from this scam organization.

  Business response

  05/15/2023

  Thank you for submitting a complaint to Better Business Bureau. We take member satisfaction very seriously and are happy to help. First, I apologize for your poor experience with the sales agent and his team who sold and/or assisted you with one of our plans. I understand how frustrating this is, and I would feel the same if it were me. 
  
  Second, our agents must always act in the best interest of their clients when selling any of our policies. In addition, they are required by Tribal law to follow a strict agent code of conduct. If we receive complaints that seem to violate this code of conduct and misrepresent Sovereign Nations insurance (SNI), we run a full investigation. 
  
  With all this said, we are currently investigating the agency and a resolution on your behalf will be decided as soon as this investigation is complete. If you have any additional details regarding your experience, please let us know so that it may be included. 
  
  Again, I apologize for your experience and look forward to helping you. If you have any other questions or need further assistance, please respond to the email or voicemail we've sent you, and our Director of Client Support or I will get back to you.

• Initial Complaint

  04/21/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Health insurance broker, knowing our income, misrepresented the policy and did not tell me that my toddler's healthcare would be considerably more expensive compared to what we had for the toddler.Health insurance broker did not tell me that I could have kept my toddler on **** Child Health Plus (low income) while the parents can get insurance elsewhere.Had we known that we could have kept our child on Child Health Plus for $45/month with full coverage, we would have. Now, after an ER visit for or toddler, we are faced with a $1400 bill.****** knows far more about the arcane for-profit US health insurance industry and should have represented our financial interest, not that of the insurance company.

  Business response

  04/28/2023

  Sovereign Nations Insurance (SNI) values this members feedback and promptly reached out to him to open an internal case and discuss our professional bill negotiators who can negotiated his bill on his behalf. Our Sovereign Nations Insurance Compliance Specialist will follow up with the member weekly to ensure he is updated on any and all changes with his case. We appreciate the members' willingness to bring this matter to our attention and look forward to resolving it as quickly as we can.  

  Customer response

  04/28/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and are working to resolve the matter 
  
  Sincerely,
  
  ***************************

• Initial Complaint

  04/20/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I canceled my insurance, on January 5th 2023. Well in the 30 day period. And they still withdrawn the $ 211.00 from my account, for Feb, March and April. And I called them and continued to be run around. Over and over again, and I have had to lose time from work to go to the bank and change my account, which also has caused alot of issues and problems. Causing me to have problems with my creditors and bills. I really need help with this issue. They have refused to refund me my money back, when I finally got to speak with management.

  Business response

  04/25/2023

  Sovereign Nations Insurance (SNI) values this member’s feedback and promptly reached out to him to open an internal case and discuss giving him the refund he requested. Our Sovereign Nations Insurance Compliance Specialist will follow up with the member weekly to ensure he is updated on any and all changes with the case. We appreciate the members' willingness to bring this matter to our attention and look forward to resolving it as quickly as we can.  

  Customer response

  04/25/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  **** *****
  

• Initial Complaint

  02/22/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  On 02/21/23, I was contacted by this company due to a form I had filled out on a website I thought was the official website for Obamacare. I became suspicious when the salesperson became pushy about how I needed to sign that day. I began reading the terms and saw it referred to the need to belong to a Native American tribe. The salesperson told me you don't have to be Native American. Throughout our conversation, the salesperson kept telling me how they were BBB accredited and had an A+ rating. I was looking online while speaking with the salesperson and saw this was true. Then I realized I was not looking at the official BBB website. When I found the official website, I saw the *** rating and that it was not accredited by BBB. I confronted him on this and he kept saying he "didn't know what I was looking at." I had unfortunately already signed the agreement by text and given all of my information. I told him I wanted to cancel the policy immediately. He began arguing so I hung up. I informed social security and my bank and was told the initial premium was pending. The bank put a hold on my debit card for $442 and some change. I was in contact with Sovereign Nations later 02/21/23. I told them I wanted the policy canceled immediately. The employee told me she couldn't because it was "processing.' I was told to call the next day. Rather than calling that next day, I received a call "welcoming " me. I told that employee I wanted the policy canceled. She said she was going to transfer me to the agent I had worked with before. I waited about 10 minutes. He answered and I asked if this was the agent by name. Silence. He hung up after I had told him again I wanted to cancel the policy and I wanted some proof emailed to me that it had been canceled. All I want is for my policy to be canceled. At this time, they have not tried to resolve the issue. In the welcome email I received, it said the policy could be canceled at any time within 30 days.

  Business response

  03/01/2023

  Sovereign Nations Insurance (SNI) values this members feedback and appreciates the member bringing this to our attention. A full refund and cancellation were issued to the member (02/23/2023).  We have left a few voicemails, and hope we get the chance to discuss it with her further to improve her experience with SNI. SNI works every day to streamline and improve these processes. We appreciate the chance we had because of her feedback to retrain the agents involved. The resolution desired by the member was given to her the day of the complaint, a full refund of the premium and the enrollment fee and cancellation of her policy.

  Customer response

  03/01/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  02/01/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  was offered this insurance through the marketplace charged 512 to start and it covers absolutely nothing

  Business response

  02/13/2023

  *** has reached out to the member since the date of the complaint to tell the member about her current plan benefits, introduce other possible plan coverage levels that better fit her family's preferences, and get confirmation from the member that she wants to cancel and get a refund. We left a few voicemails as well. After talking with the member, we will figure out payment and refund details for the next active policy period. After that, our SNI Client Support Team will process the refund if it is requested directly by the member. We appreciate the member's willingness to bring this matter to our attention and look forward to resolving it as quickly as we can.  

• Initial Complaint

  01/31/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  After losing my job I signed up for health insurance with SN. My doctors were listed, and I felt it would be a good service for my needs. Every place I went to did not accept the insurance. I was charged for a routine flu shot and have NEVER paid before. I now have received a bill for a yearly mammogram (last October) and was told by the providing hospital that SN simply is not responding to their request for payment (since October, it is now the end of January). I emailed and received a reply that said they cannot answer billing questions and gave me an 800 number to call. I have not received a call back after holding on the line for some time, call disconnected I called back and left my number for a call back. It has now been two days with no response to my call.Member ID ***********

  Business response

  02/13/2023

  Our Team understands the difficulty of this member's experience with flu shot and preventative care coverage because we set out immediately to resolve these concerns and talk to the member. Both services mentioned by the member are being evaluated by our claims processors and Client Support Team at SNI to see what can be paid under the members' summary of benefits. One of our team members called the member personally to better understand the member's concerns and give an update on possible coverage with these particular providers. We have also been investigating the cause of the hold time and call disconnection.We are going to see claims payment details through to resolution because the member brought up very important concerns that we always take seriously at SNI.

• Initial Complaint

  11/29/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I required health insurance so I found this company. I paid for coverage on a monthly bases. I called Nov 25 to cancel for the upcoming month. However, a message was played that instructed me to call on the next buisness day because the company was closed. I then called on on Nov. 28th and spoke with someone who said they could help me and specifically said to call back in 30 minutes. I called back but didn't get a response(the phone just rang). I called again Nov. 29 and spoke with another representative that couldn't help but transfered me to another agent. I was them placed on hold for over 10 minutes again!. I am trying to terminate coverage. This company took the agreed amount for coverage out of my account before the scheduled date after they were aware that I was terminating services and now they are prolonging my attempts to cancel my account with them. I am truly unhappy and would like that last withdrawal refunded and I would also like to terminate services.

  Business response

  05/19/2023

  Hi ********************,

  Thank you for submitting a complaint to Better Business Bureau. We take member satisfaction very seriously and are happy to help. First, I apologize for your poor experience with the sales agency who sold and assisted you with one of our plans. I understand how frustrating this is, and I would feel the same if it were me. 

   Second, our agents must always act in the best interest of their clients when selling any of our policies. They are required by Tribal law to follow a strict agent code of conduct. When we received complaints that seem to violate this code of conduct and misrepresent Sovereign Nations Insurance (SNI), we run a full investigation.

              With all this said, weve investigated this agency and have revoked their license to sell our plans. We are currently reviewing a resolution on your behalf. Weve attempted to reach you via phone but have also sent you an email. If you have any additional details regarding your experience, please reply to the email or call my number included at the bottom, we look forward to helping you resolve your concern.

  Thank you,

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

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩