I am 50years old with 30 years experience as a licensed insurance agent. So I have some experience in claims, but this is a nightmare!
My mother purchased a Cancer Policy underwritten by Mutual of Omaha. The actual policy was called “John Wayne" Cancer policy. I called the claims dept and asked what claim forms were needed to process a claim. The rep informed me" Oh, we don’t use claim forms, they are too confusing, just send us all your mothers medical records and we will pay the benefits’ available” . NOT!
After faxing over 300 documents, pathology reports, HC1500, and every document associated with her cancer. They paid $ 65.00 on over $ 80, 000 in bills.
Now I am told I need Diagnosis codes but no one there can explain exactly what the codes are or where to get them. They give John Wayne a bad name.
The only thing worse is their customer service. Avoid Mutual of Omaha.