HCC Medical Insurance Services
My family filed a claim when we returned from our trip, toward the end of the submission period. We were denied reimbursement for our claim, with the company stating we had submitted our claim past the deadline. Luckily, I had delivery confirmation and was able to submit an appeal with proof they had received it within the correct period. A few months later, we did finally receive reimbursement.
Also, for a hospital stay, they required certain documents be faxed from the hospital records. This is not necessarily an easy task in some locations. It took quite a bit of convincing of hospital staff to allow us to see our files.
A bit of work on our part, but I guess that's the way with insurance companies. We did finally get covered, but I still worry about how quickly things would move if someone had to be evacuated immediately. Overall, I say so-so.
recommend this plan to a friend or relative.
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