SAN DIEGO, CALIFORNIA -- I mailed in my COBRA payment for the month of March 2018, the beginning of March, because I wasn't sent the paperwork until the beginning of March. I called Kaiser before mailing the paperwork & payment to find out how long it would take to process once received. I was told it would take a couple of days. So I called less than a week later, because the mailing address is local and I was told by the representative that I needed to contact my work and they don't handle COBRA. I told her I already had contacted them and they were told by Kaiser that Kaiser would only handle the COBRA and no one else.
So I called and confirmed with my work that was still the case. Again I called Kaiser and talked to the same rep, who still insisted COBRA was handled by my work and not them. I told her what I was told and finally after telling her the same thing numerous times, she finally decided to ask around. She finally admitted she was wrong and she had found out it take 30-45 days to process COBRA. To which point I might have not signed up, because my new job's insurance would be almost in effect by then.
A few days later I noticed my check cleared and I still had no coverage. I talked to a different representative who apologized and it was normal to take 30-45 days. I then filed a complaint and asked for a refund of my March premium. I received a denial letter a few days ago stating that I was denied because no termination letter was sent. Not only that termination would not be effective until the month following the letter. Also, they are granting me a retro termination letter to be effective April.
Meantime they admitted I had no coverage in March. So too bad I lost $558.96 for March COBRA premium, for having no coverage. That is just plain crooked. No way I could have terminated March coverage in February, when I didn't receive the paperwork until March. Also, how can they hold my money for a month they admitted they didn't cover.
Kaiser is a crooked insurance company who flat out refuses to refund people their money they are owed behind twisted rules. They know they are wrong but they refuse to refund. But if you are in an accident, they will do whatever it takes to go after their money from the person in the wrong. I loved my doctors, but this is plain wrong and believe me if I can help not coming back. I will make sure I don't.
ATLANTA, GEORGIA -- I've had trouble with them since the beginning of the year. I pay my premium online and they say I didn't pay. In January, I paid - they said it didn't go through. I paid again and then both payments went through. Then I had to wait 10 days for a refund which was $845, not exactly a few dollars. I paid again in February with a debit card. This time they said the payment was declined when I showed it went through on my bank statement. And I called my bank to confirm. They can't find the money so according to them I didn't pay.
I've called them about 10 x - have been on the phone with them around 8 hours. The CSRs are no help. I knew someone at the Atlanta corporate office so I actually got someone specific to call... again, not a lot of help. I've faxed my February bank statement 2x and after 5 weeks, no resolution. Unbelievable. This is their fault yet I'm the one who is getting screwed.
REDLANDS, CALIFORNIA -- I've had a bad experience with the nurses being rude and walking away when I was talking to them. I went in for a ** shot but the nurse told me I wasn't due and I was trying to show them from my log in my last date of injection. She became angry and showed me the schedule from a binder on how often ** shots should be given. I was trying to explain that I was aware of schedule but that's when she walked away and then returned to tell me the dates that I was there. I agreed with the date and the last date was when I was given the injection. She clicked on that visit and seen that I received my injection then.
She never apologized and didn't make eye contact with me. Kaiser is supposedly big on preventative care and no co payment when you have a physical. I went in for a physical and was telling the Dr. that I was having pain. I later received a fee for co-payment fee and was told that because I expressed a pain that I was having at that time it no longer became a physical so therefore I was responsible for the $25 co payment. They are trying to take money any way they can and that with the high monthly fees that I already pay.
VACAVILLE, CALIFORNIA -- I have documented multiple, horrid experiences that we have had with KP. Most recently, I took my brother-in-law who has paraplegia, dementia, and mental health issues in to the ER for suicide watch and they placed him in a board and care in the slums of Sacramento. When I went to check on him the next day, he was near death. They didn't treat him, they dropped him in a hell hole to die. I took him back last night and they finally admitted him.
When we were in the ER, the security guys were outside of his door and kept saying out loud, "Crazy," while laughing. Then after that when the doctor said she was going to give him meds to calm him down, they laughed and said, "You are gonna sleep tonight." Like they were making fun of him. When I called this morning to see where they placed him, the ER Admittance said, "He is at Freemont." When I asked if that was the city or the name of the place, she told me to, "Google it," and hung up on me.
He has dementia, yet they refuse to treat him for it, they act like it doesn't exist. He is gravely disabled, yet they continue to put him in a non-assisted living environment where people steal from him, stalk him, scream at him, where there is no supervision, no help, no food, and puts him in an extremely dire and dangerous situation. I have countless of other documented, recent horrible, encounters of their lack of quality care and in fact, abuse of patients. I have tried everything I could think of but am tired and growing weary. I can't fight the giant that is Kaiser.
ATLANTA, GEORGIA -- I am finding that with Kaiser Permanente I am getting a band-aid for my chronic back pain, and I am dismissed by their medical staff if I tell them their efforts are not providing long term care. The system is designed to avoid fixing expensive problems and seems to only put short term band-aids on big issues and they kick the can down the road at the patients' expense.
The cost of their saving money is the pain and suffering of their patients. I wish I had a better option in healthcare but my corporate plan is 2 thousand out of pocket a year or Kaiser Permanente which cost less but you definitely get less care. The issue is how they avoid cost at the suffering of their patients. If you have no healthcare issue, it's a great plan but with chronic pain issues, this is the wrong plan. You will only get a band-aid not a fix for your problems, due to the high cost of providing the best possible outcome for pain. It's not cost effective.
RIVERSIDE -- I got creepy service and low bed manner from DR **. He and all doctors at same area so rude and arrogant. DR does not write blood tests. Keep installing my pain medication. Finally still after 3 month I have left and denied pain medications after back surgery. It seems all doctors in the same duplex do not give damn for anyone. Kaiser Pain management sucks also. They do not damn about you as well. We need bring mass lawsuit to KP. They are criminal Enterprise created by the Nazi Hitler whom created KP. I am so disappointed.
SALEM, OREGON -- Went for a sleep study. Was told it was covered under my insurance. They lied. Not only was I billed a large amount, they didn't even send me the results of my sleep study for 12 weeks because the results were "lost". Sister had a mammogram. Kaiser told her she needed a second one and also a ultrasound. Nothing found, thank goodness, but she was billed for the second mamo and ultrasound, even though they told her she wouldn't be. They are cheating people every day. I wouldn't recommend them to anyone. In fact, I warn people about them.
DENVER, COLORADO -- During the entire process of labor, delivery, and post-delivery checkups no one from Kaiser thought to inform my wife and I that we only had 30 days from the birth of my first child to sign him up for his own insurance account. As this was our first child, we were uninformed of this process and assumed that he was covered under his mother's insurance. Now Kaiser has told us that our baby can't get insurance until January because we are past the 30 day limit that they never told us about.
SACRAMENTO, CALIFORNIA -- My son struggled with opioid addiction and alcohol addiction for many years. He was able to work as an executive chef in Orange County and buy a home for his young family. It was clear that my son was in need of inpatient care and intervention. The only service that was offered was a 3 week outpatient treatment. I finally got my son up to Northern California to get him the help he needed. The 1st weekend that he was with me Kaiser doctors prescribed 30 10mg ** pills with no warning or consultation. The bottle had no indication how dangerous ** is. My son overdosed on the ** and went into pulmonary arrest. I administered CPR while waiting for the ambulance to come.
He was brought to Kaiser which is about an hour away from my home. I have never met such an incompetent and inhumane group of doctors. I was asked to sign a DNR by a doctor who was in the process of guiding interns through the Intensive Care Unit. No doctor talked to me or shared a prognosis before this doctor's request. I was pressured to move my son to a nursing home or he could be moved to a hospice facility, where he would be starved to death.
Nursing homes affiliated with Kaiser are filthy, understaffed warehouses for those who can't speak for themselves. I pleaded to have at least a month to monitor my son's progress & Kaiser refused. The doctors at Kaiser are given incentives to reduce costs at the expense of patient care. I don't know for certain that my son could have been saved from his addiction, but Kaiser didn't even give him a fighting chance. He trusted Kaiser as his health care provider, to provide professional and appropriate care. He died and I honestly believe that he would have been better off with no health care insurance.
ORANGE, CALIFORNIA -- This story is very hard to get across in words how tragic and desperate we felt but I will try. Two years ago my son was in his 2nd year of college. He developed a drug problem. We had no idea how bad it was and what to do about it. We expected to get guidance from our health care professionals at Kaiser. After all, that is what we have insurance for.
When our son came home after the second year was over, thru various and horrible ways we found out he was abusing drugs. He agreed he had a problem and wanted help. We turned to Kaiser Addiction medicine. They put him in outpatient rehab. We felt that maybe he needed more but we had never dealt with this and did not question their “knowledge”. He attended most meetings, he did miss a few, but he drove himself to and from the meetings on his own. He wanted to be sober.
After a couple of weeks, my husband and I found him unconscious and barely breathing. It was latterly the worst moment of our life. My husband performed CPR until the 911 responders arrived. They shot him in the heart with something to make his heart beat again and start breathing. He was taken to the closest hospital, not a Kaiser hospital. He was there for about 8 hours. The doctor there told us that he needed more treatment than he was getting and he has a serious problem.
When he was stable enough, they moved him to a Kaiser hospital where he stayed for about another 24 hours. We were told he was ok to go home with us. A big red flag went off in both our heads and we knew this was not right. We asked if any psychiatrist had seen him and they said no. We insisted he talk to someone before he left. They called someone in and she had about a 2-minute conversation with him and said "ok he is free to go." Just make an appointment with the addiction doctor. Once again, we did.
The next day my husband took him to the “addiction specialist” (HAHA) and told him what happened and how close to death my son was. The doctor then said something that to this day is unbelievable, he said to my husband AND my son in the same room that death was nothing to him, they deal with it every day and that my son should quit smoking cigarettes. Then he said to our son that he should attend Kaiser's outpatient rehab that meets every day for two weeks. My husband tried to get him into inpatient but the doctor said no. My son at this point was frustrated because he knew what he was doing was not working but we really did not have a choice.
He attended the meetings again, he did miss some. He was a 19-year-old drug addict. But he did attend classes and had us go to classes as well. He was trying. Then, about a week and a half into the everyday rehab, the second overdose happened. Again 911 responders came and gave him something to wake him up. This time he was taken to a Kaiser hospital where he stayed for about 3 or 4 hours then was released. At this point his father and I were begging the doctor to put him into an inpatient rehab. The emergency doctor told us is was not that easy and sent us on our way. My son was still showing effects of being on drugs. It was horrible.
We knew something had to be done and it was up to us. We immediately made plans for my husband to take our son out of state to clean up and get away from the bad habits he had fallen into. They were leaving the next day and it was my job while they were gone to work things out with Kaiser and get him into an inpatient facility that he needed. Our son agreed. He knew he needed help and he felt he was not getting it. He was very discouraged.
They left and the next three days were spent on the phone with Kaiser talking to anyone who would listen and could make the decision to get him into inpatient facility. I kept hearing No and no approval never came. They said the reason was he lacked motivation and missed some outpatient meetings. Well, he is a 19 year old boy addicted to heroin. But the kid CLEARLY is crying out for help. I had some really amazing conversations with the Kaiser doctors. They are completely incompetent when it came to addiction and mental health issues. We were on our own. We are not rich and that leads to a whole different story (http://www.gofundme.com/spwjv4m).
I was blessed enough to find a wonderful place where he attended inpatient rehab for 3 months. He had to learn a lot of things to live a clean and sober life. He got the treatment he needed. He needed daily follow-up care for 9 months. At this young age, they do not have the skills or wisdom to stay on the right track without help. So we did what we had to do to get our son healthy and on his way to a happy, healthy life. I am proud to say he is sober today and has earned himself his personal trainer certification and has a job he likes. We are so happy to have our son back.
No thanks to Kaiser. We submitted all our bills to them and they declined to reimburse us. They said it was because we did not use a Kaiser facility. Well it does not make sense. We tried to go to a Kaiser facility, they said no NUMEROUS times. They gave a different reason. But now, they give us a different reason again. There were so many rude comments and inconsistencies from Kaiser. They just did not care.
When the doctor told my husband and son his little death explanation, I immediately filed a complaint against him. I feel that from then on out he truly did not care what happened to my son and went out of his way to make treating him as difficult as possible. The only thing I could find on this guy was that before Kaiser, he was a family practitioner. Normally, addiction specialists are trained in mental health issues. He was a family practice doctor. He exacted his retribution on us to the tune of the cost of rehab for about a year. Kaiser never paid. We tried to get a lawyer but nobody would take our piddly little case.
It is my opinion that Kaiser does not have its own facility and they would have to pay someone else to treat my son. That is why he was not treated by Kaiser. By sharing our story, it is my hope that you will share this with as many people as possible. Eventually, if enough people who have had similar problems stand up to the health care industry, in particular Kaiser Permanente, there is a hope of changing the way doctors and health care workers deal with and treat an addiction problem.
No person or family should ever have to be treated as we were and struggle to pay bills when we pay for health insurance. The patients' needs should dictate the treatment, not the cost to the insurance company. My son is happy and healthy today and I thank God and pray to him to keep him that way. Thank you for your time.