Land of Lincoln Health

Reviews 14

BR

Brett Stimpson

HERE IS THE REAL DEAL. Most of these bad reviews come from the segment of our population that find many simple things in life difficult due to lack of patience and intelligence. If you are lucky to possess both you will love LLH. My small employer offered Humana in 2013. the premium was $936/mo. for my wife and I under age 42 and healthy. My employer covers $600 and I had to cover the $336. it was an extra car payment and totally killed me. it had 100% coverage on everything after your deductible of $5000 was met. I had an incident and that year cost me $4500 out of pocket. Humana paid nothing. In 2014 the office manager convinced the owner to drop humana and let people pick their own plans through the healthcare.gov. I chose LLH. My wife had 6-7 doctor visits with tests, X-rays, and meds. I was positive it would cost me $1,000s. Having picked doctors on their plan they covered all of it. I came out of pocket maybe $200. i was shocked. My monthly premium is $636 boss pays $600, I pay $36. the fact that they covered so much made me feel like I was getting something for my $636 premium paid. Get LLH. I think I have the silver plan with a $250 or $500 deductible. Its really helped me financially in 2015.

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Sam Reyes

This insurance company is horrid. I got the platinum plan which covers just about everything at what I thought was a great price; I was dead wrong. First off they got my date of birth wrong which quite frankly is impossible considering they had my social. Then they denied every single claim for the next 6 months due to this and all this while I was making phone calls and web requests every other week to get it changed with "oh yes we will change that right away" after every call. Then finally after it was changed I had to contact my doctors and hospitals to refile the claim instead of LOL just looking it over again. Then it took about another 2 months for about 70% of them to be rejected for the absolute stupidest reasons like incorrect modifiers, which were fine. So I have about 9k+ in claims still trying to get processed. OH and the ones they did accept were so small that 2 monthly payments to LOL would have covered all of them and more. This company is underhanded, understaffed, and is the absolute worst insurance company I have ever worked with. I hope they get shut down at this rate so no one else has to suffer what me and many others have.

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LI

Liz Prokop

I am both a participant as well as our Group Administrator for the plan. I will keep this short and sweet: 1. Took 11+ weeks for LLH to manually enter our annual Deductible accruals from our previous carrier. 2. If you have a hyphenated last name, pick ONE to use - otherwise they will enter the first part as your middle name and Catamaran (the RX vendor who has it accurately) will deny ALL rx claims since the name does not match up with what LLH shows. 2a. Hold times are no less than 60 minutes no matter what time of day you call 2b. There are no seperate Employer vs Participant vs website support options when you call in to their generic call center. 3. You will not get a response when you try emailing them through their "Contact Us" page. 4. LLH will process claims as out of network - even when the providers are In-Network and have been pre-certified. 5. Claims are denied, stating Pre-Authorization is required - even when they HAVE the PA on file. 6. LLH claims processors failed 6th grade math and cannot determine what a 50% vs 80% actually is - nor do they realize that 50%+65% does NOT equal 100%. Stay far, far, FAR away from LLH!!

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BA

Bailey Gordon

Like everyone else on here, 1 star is too high of a rating. The amount of clerical errors they make are insane. For example: it took 7 phone calls to get Land of Lincoln to update their system and note me as a female. I could not see my OB/GYN because during my 1 year of being a member, they kept marking me as a male. I also could not receive care because my birthdate was wrong and they somehow had it in their system that I had more than one insurance. WHERE DO YOU GET YOUR INTEL LAND OF LINCOLN? More recently, I called to inquire about a claim and the representative I spoke to said I would need to call the claims department. She gave me their phone number, I repeated it back to her, she confirmed, and it was still wrong. So now I have spent about an hour on hold trying to talk to someone about a claim that was denied because provider was out of network. The provider? AN AMBULANCE. I asked the representative what Land of Lincoln considers an in-network ambulance provider and she hung up on me. Do yourselves a favor and just cease to exist!!!!!

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Dan Smerch

The. Worst. Customer. Service. Ever. Tried this insurance out per recommendation by a marketplace service rep, big mistake. This company does not care and makes it as difficult as possible to do the smallest tasks. They upped their rates, which I was willing to go along with. However they stopped taking the automatic payments and did not notify me. When I logged on to see how things were going, I see I had a large balance due. Which, after they told me what was going on, they then told me that if I payed the amount and continued to make payments that everything would be fine. I went to log on later that month and I could not. After numerous phone calls I find out they cancelled my insurance, even after keeping the large payment. No phone calls, no letters, no emails, nothing. Plus the customer service rep was unapologetic and rude with me. What a relief to be rid of this terrible company. Take your insurance needs elsewhere, all you will find here are extra hours being upset and a large, year round headache.

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NI

Nick Grygiel

I figured that $260/mo for a perfectly healthy 30-something with zero medical conditions would get me decent insurance and boy was I wrong. I live in Chicago proper and NONE of the major hospitals/universities accept LOL. I had to see a doc for a snowboarding injury and the nearest one that would accept LOL & new patients is in the really bad part of the west side. So bad that when I finally got to see the doctor, he looked at me and actually said "Are you sure that you feel comfortable in this neighborhood?" Update: I finally got approval to see a specialist, 3 WEEKS after my PCP visit wherein I had to blast LOL on twitter just to get someone to look into it. I now have to wait 2 weeks for the first available hand specialist appointment, making that 6 WEEKS since my urgent care visit where I was initially diagnosed with a broken wrist. Absolutely unacceptable. I will be dropping LOL as soon as the government allows me to

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Katie Freeman

ABSOLUTELY HORRIBLE CUSTOMER SERVICE!! Reporting to the Illinois DOI ASAP!!!!!! I had to give it a star to actually post this review!! Its not even 1 star worthy!!! I called in around 8am was on hold for at least 15 min before I got a representative with a major attitude problem. I was getting information for patients insurance policy and every question I to clarify coverage was like a huge inconvenience in her work day. I asked questions to clarify the information she gave me (because she quoted me all sorts of coverage percentages), and got more attitude. Then because she told me rudely that she "didnt have access" for the detailed information on the policy she was already quoting me. I apologized as I dont know what shes quoting me or has access too; and then I got put back in the queue and that was at least 45 minutes ago. This is truly absurd.

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Ron Hornish

I found it grossly unprofdessional that a member can not get through to any of the customer service lines on weekends and in the evening. Often, members are only able to call in the evenings and what if you have to go to the hospital on the weekend as I am currently doing. There is no one to take care of the precertification necessary. This is my third month of membership so the verdit is still out. However, looking at all of the one star ratings is a bit unnerving. I have also been informed by some of my physicians it takes forever to get paid from LoL. My premium is quite high and but the deductable is low and out of pocket is reasonable (half that of BCBS) which attracted me in the first place. BCBS raised my premium a little less than $300 so this impacted my decision. Good luck and good health to all of us.

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RI

Rick Jasien

The insurance itself is not bad. However the customer service is terrible at best. I have been on the phone for over 1 hour trying to just pay my bill. The website is a joke. It wont let me pay on the website. Every doctor I have has the same issue with them. You can tell it is run by the state, because the customer service shows it. My advise would be to fire who is in charge of the customer service department. Hire someone from the private sector that actually knows how to get results. The customer service is as bad as any company I have ever had to deal with in my life. ANY COMPANY. If the customer services was just "not good" I would give them 5 stars because the coverage is that good. However this is how bad the customer service is!

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Bill Landis

I am extremely dissatisfied with Land of Lincoln Health. I have tried to call them 6 times, waiting on hold in excess of 2 hrs each call, and I still have not gotten hold of anyone. Each call was at a different time of day. I have submitted 4 emails inquires as well, and the only department to respond is the sales department...of course. I have submitted a Formal Complaint to the Better Business Bureau and I encourage all of dissatisfied people to do so as well. I will now go out of my way to dissuade people from using the insurance carrier. Furthermore, I run a company that represents 65 small businesses in Chicago-Madison-Milwaukee and I will make sure none of them or their customers ever use Land of Lincoln health.

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MA

Manoj Ramudamu

I wish I could give this company negative stars! Absolutely the worst company I have ever dealt with in anything! I set up service with them on November first, they cashed my check and then told me in December that I was never eligible for their policy! The best part my wife waited 2 weeks to go the hospital till it was effective in November and then she finally went she was admitted for 5 days and they will not honor the charges! It gets better, they still have not sent my premium back to me lol ... What a joke! I highly recommend on not having health insurance before dealing with this company! I guess it is my fault, should have read the reviews before signing up! $30k in hospital/doctor bills later lesson learned!

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M. Patricia O

This is the WORSE company. I do not recommend to anyone. STAY AWAY Expect: 1. Long phone calls about 40 - 60 minutes to solve anything. Waiting time is 10 – 15 minutes to get in touch with a costumer service from there expect 40 – 80 minutes. 2. Costumer Service is worthless. They don’t know anything about members they only know what has been done today. With good luck they will find your membership. 3. Impossible to figured out a plan. They ask members to pick a plan from there website and go on with that. So you will be lucky to verify your doctor and any other need. 4. The plans are the worse and expect rise of prices every 6 – 12 months. I give 0 stars to this company.

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CA

Caryn Beisner

LLH terminated my insurance for non-payment (I was set up as auto-debit). They just stopped debiting my account, I called numerous times to complain and was told they are trying to get it reinstated and it was the billing companies error. Well it never was reinstated or problem resolved and we were without insurance coverage for 3 months. Of course my husband had to go to the doctor for refills and had to pay cash and full prices for the refills and doctors visit. I signed of for insurance again for the 2016 new year and was stuck with LLH again with less coverage and and increase of $3500.00. How is this affordable?

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MA

Margo Channing

This company is the WORST! They did not collect the payments set up for automatic payment. I took it upon myself to notify them of their own error and they still refused to honor my medical claims despite reestablishing my insurance per their admitted mistake. I am now sitting in collections due to their negligence in reprocessing my claims. Warn everyone you know not to purchase this insurance. They are disreputable to their clients. I have notified Pat Zekman of CBS news that she has another criminal care to investigate for the public.

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