RICHMOND, VIRGINIA -- I was amazed when I read all the reviews here for CareMore. None of them were from the state of VA. because this is the 1st year it has been offered in this state. That being said, the reviewers all said exactly what I have found in my first three months with the plan.
I have several health problems and see 3-4 different specialists and my PCP quite often. Suffering from 4 health issues the plan looked like it was tailored to my needs. I met with a sales representative before choosing CareMore (in Va it's disguised as Anthem Health Keepers because Wellpoint bought Anthem as well) and the cost savings looked great compared to any other plan out there. Well I have found why it looked too good to be true. They have a very limited amount of inexperienced providers who are doctors, specialists and others. I had to change rheumatologist because my regular rheumy was not with the plan. There were only 2 that accepted the plan.
So the one that was chosen for me, knew nothing about the disease as she was just out of school. At the same time she insisted I be seen every 2 months rather than 3 months that is typical for my problem. I was also told that there would be several caregivers at the CareMore centers to provide free services. I wanted to get help from the nutritionist there. Except they do not have one as I was told they did when signing up.
Then there is the problem of DMEs. (durable medical equipment) I had no problem in this dept. with other insurance carriers until I joined CareMore. Before everything worked like clock work. Now with very few providers, I'm having a very hard time getting my supplies. I lost out on 2 months of catheters and was told my doc would have to do a referral every month for this DME. The 2 months I missed came out of my pocket. Also my cpap supplies have to be done through referral every month by my docs and before they were shipped in 3 month supplies with just 1 doc referral at the start.
Several of the docs including my PCP are not happy with all the red tape this has caused. They have even expressed this to me verbally. I have been on the phone more than 20 hours (in the 1st 3 months being insured) with several CareMore employees. Talking to assoc. at the centers, member services and my personal sales representative trying to straighten out all the problems I and my docs and their staff have been having. In one instance I'm being stalled on getting referred because the only 2 ID (infectious disease) docs will not see me as one is not accepting new patients the other cannot or will not deal with a complex case as I have.
To sum up the situation (I have left out many thing to keep this short enough to read) if people from different states are all complaining about similar problems you can bet there is some credence to them. It's definitely company policies that create all this misery to those that made a very bad choice to go with CareMore. I will not stay with them past this year no matter the cost to find another health insurance provider.
Final analysis is that the staff, and people hired by CareMore will kill you with kindness to your face to fool you into believing that CareMore cares. When in reality their goal is to keep their cost down no matter the cost to the patient or their health. I wouldn't be surprised to see a class action suit in the future.
LOS ANGELES, CALIFORNIA -- CareMore Insurance has a record of contracting young inexperienced physicians (at Downey Community Hospital) to practice on seniors, assuming they will not fight and if they are neglected and suffer will not fight and typically have no advocates to protect them from predatory practices. The hospital administration has publicly stated that the CareMore contracted doctors are negligent/and abusive but they have no recourse to get them out. All of the CareMore doctors contracted to the facility have malpractice issues and hospital staff has difficulty protecting patients from these doctors.
Many senior patients are bullied by CareMore by the threat of denied coverage if they complain. Elderly patients state that with serious health issues they fear being denied access for even one month may have critical impacts on their lives and therefore do not fight for their rights. It's unfortunate but common that seniors lack the mental capacity and modern knowledge of addressing abuse by doctors and insurers.
Downey Community Hospital has the reputation of neglect and abuse of their elderly patients who often are on social security and fall somewhere in the range of lower middle class to poverty. The state of California, unfortunately, takes no action on their behalf yet knows of these unacceptable conditions. Please avoid getting service at this facility and file consumer complaints with CareMore and the state of California.
LAS VEGAS, NEVADA -- Caremore is the worst healthcare plan I've ever been on. I'm on the Medicare supplement program and it is truly terrible and totally misrepresented. The doctors are incompetent and will not refill prescriptions. I have switched primary doctors so far so many times it's making me sick... literally. I'm a basket case from dealing with these people. Their operators are either rude or give the wrong information. The care is unacceptable, totally.
The sales people are slick and promise you anything and what you actually get is nothing, not even an exercise benefit. Medicare should really look into these people as well as the fair trade commission, as it is grossly misrepresented. It's Medicare fraud.
CERRITOS, CALIFORNIA -- CareMore cares less about their members and more about the bottom line. MONEY. The doctors make money by keeping you out of the hospital and members are at risk for poor management. They shift you around, fail to approve some services and have unqualified staff in their care centers.