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A Corporate DMS Policy from VSK: Not Worth the Hype
summarizeEditor's Summary
I recently bought a Corporate DMS policy from VSK, thinking it'd cover all my medical expenses. But, as it turns out, the devil's in the details. The guarantee letter process is a total pain, taking at least 2 days to get approved. Even with a pricey policy, I still had to pay out of pocket for emergency care because I couldn't afford to wait. The policy's exclusions and loopholes are also a major concern. If you're considering buying this policy, I'd recommend thinking twice.
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A Corporate DMS Policy from VSK: Not Worth the Hype
Our company offered us the chance to buy a Corporate DMS policy from VSK for an extra fee, promising it would cover everything from analyses to doctor visits and even emergency care. But, as always, the devil's in the details. I bought the policy for the first time, and here's what I found out.
One of the biggest issues I had was with the guarantee letter. Even with a pricey and comprehensive policy that lets you choose the hospital, you can't just show up without a guarantee letter from the insurance company. VSK takes at least 2 days to agree to these letters, and you need to call them a few times to get them to move. I once had to go to a big hospital with several people in the registration office handling DMS claims, and there were a few companies that could get it done in 40 minutes. People would sit right in the hospital, get the agreement, and go. But not VSK. I'd have to go home and wait for a few days. The fastest I got it done was in a day.
The bottom line is that if you need emergency care, you'll still have to pay out of pocket because you can't afford to wait for VSK to agree to it. But, there are fast DMS companies out there, just not VSK.
I also had issues with getting medical tests approved. I injured my knee in the middle of the insurance year, and I needed an MRI. I had to wait for the doctor to agree to it, and then I had to wait some more. They finally gave me the MRI, and it showed a torn ACL and a meniscus tear. I needed surgery, and the policy was supposed to cover it. The doctor wrote a referral for the surgery, and we sent it to VSK for approval. But, they only agreed to pay for the hospital stay and a part of the surgery, saying it was high-tech and not covered by my policy. We were left with a $25,000 bill.
Another thing that really frustrated me was the independent medical opinion in the policy. It's done remotely, and you have to upload all the medical documents, including the MRI scan, to the cloud storage. Then, some doctor chosen by VSK will give their opinion. It's a total farce.
I was looking for a good orthopedic doctor for my knee, and I went to a medical center where one of the top doctors in the field worked. I told him my story, and he was very attentive. He told me three things:
First, the surgery would only help me for 2 years, and then my knee would go back to its original state.Second, I could recover my knee function without surgery by doing some exercises.Third, he wouldn't recommend going through DMS claims because the insurance companies would hassle the medical centers and fine them for any mistakes. He said it's not worth it.So, I'm taking care of my knee and paying out of pocket. No DMS claims for me.
The cherry on top was when I got bronchitis and went to see a doctor, who prescribed some tests. But, when I called VSK to get the tests approved, they said they couldn't do it because their website was down. The policy was about to expire, and my money was going to waste. But, they told me to try again tomorrow. Tomorrow evening, I got an email saying that I needed to send them the full medical report, including the doctor's diagnosis, to get the tests approved. I had to do all the legwork myself and pay for the tests. Why do I need a DMS policy if I'm still going to have to pay out of pocket?
P.S. What's even more amazing is that after I posted this review, VSK called me 4 days later and offered to cover the tests. But, I'd already done them and paid for them. It's clear that they only read reviews quickly, but take their own customers' claims seriously after days. It's a total mess.
live_helpFeatured FAQ
What's the guarantee letter process like?
It takes at least 2 days to get approved, and you'll need to call customer support multiple times to get it moving. I've seen other companies get it done in 40 minutes, but not VSK.
Can I still get emergency care with this policy?
Unfortunately, yes. Even with a pricey policy, you'll still need to pay out of pocket for emergency care because you can't afford to wait for the guarantee letter to be approved.
What kind of exclusions and loopholes are in the policy?
The agreement is overly complex, with too many exceptions. Be prepared to dig through the fine print to understand what's covered and what's not.
How does the policy's customer support work?
Customer support is available, but it's not always easy to get help. Be prepared to call multiple times to get your issues resolved.
Can I get a second opinion electronically?
Yes, you can get a second opinion electronically, which is convenient. However, it's not always easy to get the process started.
How does the policy's database work?
Their database is prone to errors, which can leave you without support. Be prepared for potential issues when trying to get help.
What's the policy's coverage like?
The policy is comprehensive, covering analyses, doctor visits, and emergency care. However, the guarantee letter process can be a major headache.
Can I choose the hospital for some procedures?
Yes, you can choose the hospital for some procedures. However, be prepared for the guarantee letter process to be a major pain.
How do I file a claim with this policy?
You'll need to call customer support and go through the guarantee letter process, which can take at least 2 days.
check_circlePros
- •They do protect your medical data, which is a plus.
- •You can choose the hospital for some procedures, which is a nice perk.
- •The policy is pretty comprehensive, covering analyses, doctor visits, and emergency care.
- •Customer support is available, but it's not always easy to get help.
- •The policy is relatively easy to understand, once you dig through the fine print.
- •You can get a second opinion electronically, which is super convenient.
- •The policy has a wide range of coverage options, which is great.
- •The customer support team is responsive, even if it takes a few calls to get help.
cancelCons
- •The guarantee letter process is a total headache, taking at least 2 days to get approved.
- •You still have to pay out of pocket for emergency care because you can't afford to wait.
- •The policy's exclusions and loopholes are a major concern.
- •The agreement is overly complex, with too many exceptions.
- •Their database is prone to errors, which can leave you without support.
- •You'll still need to deal with the hassle of getting a guarantee letter, even with a pricey policy.
- •The policy doesn't cover pre-existing conditions, which is a major bummer.
- •The policy has a lot of fine print, which can be overwhelming.
