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  • By far the worst experience I have ever had with a health insurance organization. I paid the initial premium before the January 1 deadline but did not receive my membership documentation until a month later. As a result, I was unable to even log in to the member portal to find a physician. It is impossible to reach Meritus by phone--a call to its customer service number gets you nothing but a lengthy apology from CEO Tom Zumtobel about understaffing. Meritus also does not reply to messages sent to its customer service e-mail address. The only way I've ever been able to get a response from this organization has been to post my frustration on its Facebook page. Additionally, the claims section of their member portal doesn't appear to be updated for weeks at a time. It's almost as if nobody actually works there. Finally, Meritus does not respond in a timely manner to requests for authorization from healthcare providers. I need an MRI for a shoulder that is falling apart like an overcooked pot roast, but an appointment with the only medical imaging company that will take their insurance was cancelled because Meritus did not provide authorization in a timely manner. From what I've read, this organization got a $93 million loan from the federal government to set up shop on the Affordable Healthcare Act's federal exchange. My question: what happened to that money? It certainly wasn't spent on staffing. I support healthcare reform, including the ACA, but experiences like this unfairly give reform a black eye. Save yourself the frustration of dealing with an organization that is failing miserably at the art of customer service and choose another option for your health insurance.
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