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Reso-Med Medical Insurance
Reso-Med's got your back when it comes to medical expenses. Their comprehensive insurance plans are designed to give you peace of mind and financial protection in case of unexpected medical bills or emergencies. You can breathe a sigh of relief and focus on what matters most - your health and well-being. With Reso-Med, you can rest assured that you're covered no matter what life throws your way.
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A Nightmare with RESCO-MED: My Policy Got Canceled for No Reason!
summarizeEditor's Summary
I've been pretty laid-back about my health insurance until recently. As long as my clinic accepts it, and I can get the services I need, I didn't really care which insurance company I was with. That was until I started using RESCO-MED back in 2018, and I've been happy with it ever since. But things took a turn for the worse when I tried to schedule another appointment, and my policy was listed as inactive in the EMIAS app. I tried contacting EMIAS tech support, but their response only added to my frustration. It's been a real headache trying to get my policy reinstated, and I'm not sure if I'd recommend RESCO-MED to anyone. I've had to deal with a lot of hassle, and it's just not worth it. I've tried to resolve the issue, but it's been a struggle. I've had to wait for days, and I've had to deal with some pretty unhelpful customer support. I'm just not impressed with RESCO-MED's service.
settingsSpecifications
KararKötü
Kalite4/10
İletişim2/10
Hizmet Kalitesi3/10
I've been pretty laid-back about my health insurance until recently. As long as my clinic accepts it, and I can get the services I need, I didn't really care which insurance company I was with. That was until I started using RESCO-MED back in 2018, and I've been happy with it ever since.
I've had my policy for years, and I've never had any issues. Even just last month, in February 2024, I scheduled a doctor's appointment, and everything worked out fine.
But then I wanted to schedule another appointment, and when I checked my EMIAS app, I saw that my policy was listed as inactive. I thought maybe it was just a glitch in the app, so I waited for a couple of days to see if it would resolve itself. But even after two days, I was still seeing that message without any explanation.
And that's when things started to get interesting.
1) Contacting EMIAS tech support
Given how glitchy the app can be, I initially suspected it was just a technical issue. I couldn't think of any reason why my policy would be inactive – I hadn't changed my last name or moved to a different location. So, I decided to reach out to tech support.
I got an email with the following response:
I was pretty surprised by the response, as I hadn't done anything that could have caused the issue. I even did a quick Google search to see if the insurance company even existed – and it did. But their rating was pretty low.
2) Verifying my policy on the website
My next step was to check my policy on the website using the link provided by tech support.
Not surprisingly, I saw that my policy was indeed inactive.
╰┈➤ How to check your OMS policy
You can do this on the website of the Moscow City Mandatory Health Insurance Fund at THIS LINK.
3) Checking my policy with the clinic
When I was at the clinic with my kid, I asked the doctor about my case, and they confirmed that my policy was indeed inactive on their end.
4) Calling RESCO-MED
After that, I decided to give RESCO-MED a call to see if they could help me resolve the issue.
The first call was a pleasant surprise – the operator greeted me by name and surname. They identified me by my phone number and didn't even ask for my policy number. That was a definite plus. Unfortunately, they just told me to visit one of their offices and didn't offer any explanation for the issue.
5) Visiting the RESCO-MED office
I grabbed my passport and paper card and headed to the office. It turned out the employee handling OMS cards doesn't work every day. I came back the next day with my passport and card, just in case.
There was a woman of a certain age sitting there, looking a bit annoyed that I'd been sent to the office instead of dealing with it over the phone. They supposedly see more, she said. She told me my OMS card had been cancelled, but they usually indicate the reason in the program, and there was nothing like that here.
She asked if I wanted to fill out a new application. And of course I did, since being without a card at all was not exactly thrilling. So I filled out the new application.
Then she handed me a printed application and asked me to check it over. I took a look, and she'd made a few errors while copying over the data from my passport. I pointed out the mistakes, naturally. They redid the application, added a stamp to the card with the new date, and sent me on my way.
7) New problems
I patiently waited for the card to start working, checked EMIAS, and saw that I'd lost the attachment to the clinic. Only the gynecologist at the JHC clinic was left. And I saw a message saying that if you've already submitted an application for attachment to the clinic, wait 3-7 days, and if not, attach yourself.
I thought that since the card number was the same, I'd just wait for the data to sync. I waited a few days, and in the EMIAS app, I got a card. But what's strange is that the last three digits are completely different.
The top is the new card, the bottom is the old oneI find this strange, since when I first changed my other insurance, the OMS card number was the same, and now it's the same insurance company, but a different number. The only difference is the last three digits, which is very strange, considering it's been a while since 2018 and suspicious that the number changed not drastically, but only by three digits.
Here I already suspected the woman who'd made errors while filling out the application by simply copying over the data from my passport. And here all the numbers are very similar, so she might have made a mistake in the number too.
And it's not like it matters to me, but I have a card and a paper holder with a different number. So I need to go get a new paper form, as they ask for copies everywhere.
I call RESCO-MED again, explaining the situation. They tell me that they no longer give out paper forms, everything is now electronic. I point out that I was recently asked for a copy of the card, what was I supposed to attach then? They promise to send me a link via SMS, which I can use to download my card.
THE SMS NEVER ARRIVED! A day has passed. During the phone call, I mentioned that the SMS wasn't there, and the operator said that it must be in the queue. Apparently, the queue is huge.
But at least I found out why my card was cancelled - I'd changed my surname! To my maiden name, no less. Although I went to RESCO-MED several years after changing my surname, and I've had the same surname for many years since. Where did they get the idea that I'd changed my surname again?"
I spent a few days venting to friends, and they advised me not to deal with this insurance company and switch to another. I went to the nearest one to my place, with a decent rating - MAX-M, and you know what? After hearing my story, they flat-out reject me! The woman claims they won't even take me on, saying I should go resolve the issue with RESCO-MED instead!
This is a separate rant. What's the logic behind rejecting me? The policy's been restored, and everything's fine with it. Finally, it's showing up on the database.
No other issues, except I no longer want to deal with this insurance company. But this woman decides who to take on and who not to. So, I'm not going to bother with MAX-M either.
So, what's the bottom line?
The policy got restored, apparently due to an error made by the employee, who had a history of mistakes. My number got changed (not counting the mistake made by the insurance company when I cancelled my policy). Now I don't have a physical copy of it to attach documents to various organizations. They promised to send me a link to download it, but they never did.
I wasted a ton of time on disputes, trying to figure out the reasons behind the issue and getting it restored. I had to reattach myself to my clinic and dentist. And if something else happened during that time, and I needed my policy? I wouldn't even be able to get help!
It's all because of THEIR MISTAKE that I'm suffering.
The most interesting thing is that in MYAS, I now have two policies - one active, under a new number, where I didn't have to reattach myself, except for the gynecologist (which is weird, since the policy number is different, so I should have had to reattach myself). The other policy is inactive, but the app no longer throws an error, and I can still book appointments with doctors. But that's probably just a technical glitch with the app.
Now, story #2, told to me by a friend in response to my own experiences. She has RESCO insurance too, but her story's even worse. At one policy number, they linked her account to another girl of the same age, with the same first and middle names, but a different last name and city. They can see each other's appointment records, cancel them, and even have a shared medical history in the app.
My friend's been calling the insurance company, going to other offices, and asking for help for years. Eventually, they gave her two policy numbers, but the app still can't separate their accounts. They continue to share medical records and appointment records.
I categorically DO NOT RECOMMEND RESCO-MED!
P.s. As soon as I posted this negative review, I got an SMS with my electronic policy, twice.
⟡ Some more of my misadventures:
✔️ How I tried to return my iPhone under guarantee
✔️ I got stuck at the airport with a bankrupt airline, and let me tell you, it was a nightmare
✔️ The travel agency didn't want to return my money, and I had to fight for it
✔️ I've seen some shady customers on Avito, and it's just not worth the hassle
✔️ I got spammed by a bunch of scammers, and their website was a total disaster
✔️ My mobile operator was charging me for services I never used, and it was just ridiculous
✔️ I had a terrible experience with the Russian Post delivery service, and I just want to warn others
live_helpFeatured FAQ
What happened to your policy with RESCO-MED?
My policy was listed as inactive in the EMIAS app, and I couldn't figure out why. I tried contacting EMIAS tech support, but their response only added to my frustration.
How did you try to resolve the issue with your policy?
I tried contacting EMIAS tech support, verifying my policy on the website, checking with the clinic, and visiting the RESCO-MED office.
What was the outcome of your visit to the RESCO-MED office?
I was able to get my policy reinstated, but it was a hassle. The employee who helped me made some errors while filling out the application, and I had to wait for a new paper form to be sent to me.
What happened to your friend's policy with RESCO-MED?
Her policy was linked to another person with the same name, and she's been having trouble getting it sorted out. It's been a real nightmare for her.
Do you recommend RESCO-MED?
No, I don't. I've had a lot of trouble with my policy, and I wouldn't want anyone else to go through what I've been through.
What can you do if your policy is canceled without explanation?
You can try contacting EMIAS tech support, verifying your policy on the website, checking with the clinic, and visiting the insurance company's office.
How long did it take to get your policy reinstated?
It took me several days to get my policy reinstated, and it was a hassle.
What was the final outcome of your experience with RESCO-MED?
I was able to get my policy reinstated, but I've lost trust in the company. I wouldn't recommend them to anyone.
Have you had any other problems with RESCO-MED?
Yes, my friend has had a lot of trouble with her policy, and it's been a real nightmare for her.
What did you do after your policy was canceled?
I tried to contact EMIAS tech support, but they weren't very helpful. I then tried to verify my policy on the website, but that didn't work either. I eventually had to visit the RESCO-MED office, which was a hassle.
How did you feel about the experience?
I was frustrated and annoyed. I felt like I was being treated unfairly, and I didn't appreciate the hassle I was put through.
check_circlePros
- •Easy to use EMIAS app
- •Friendly customer support (sometimes)
- •Decent build quality of the policy document
- •Good value for money (in the past)
- •Convenient payment options
- •Responsive website
- •Value for money (in the past)
- •Ease of use
- •Build quality of the policy document
- •Customer support (sometimes)
cancelCons
- •Policy cancellation without explanation
- •Poor communication from EMIAS tech support
- •Difficulty getting policy reinstated
- •Inconsistent customer support
- •Long wait times for customer support
- •Inconvenient office locations
- •Shipping issues
- •Return policy
- •Battery life
- •Ease of use
- •Customer support
- •Value for money
- •Build quality
- •Shipping
- •Return
