Broken Systems - Impossible to Work With - Go Elsewhere
Insurance was fine until they terminated coverage early and made it impossible to fix. That's when I learned the truth about how impossible it is to work with L.A. Care. ---------------------------- Reason was non-payment. The problem is that payment was made... First auto-pay in 2026 succeeded. Second auto-pay went through according to my bank (screenshot attached), but for some reason, according to L.A. Care, it failed. I logged in and paid 3 months manually. My bank confirmed again (screenshot attached). L.A. Care apparently said it failed even though their portal confirmed it. I logged in and paid 2 months manually. My bank confirmed again (screenshot attached). L.A. Care mailed me a letter saying "Authorization Revoked by Customer." Makes no sense since I paid manually on their website. Not even sure how one would "revoke authorization." My bank confirmed that they denied no charges from L.A. Care and said the bank would have to legally show me if they did. ---------------------------- L.A. Care said my grace period was March 1-31 (letter attached) However, it also wasn't true. On March 13, they terminated coverage early (letter attached). The phone rep noted how strange it was to see a mid-month and early termination. Made no sense. ---------------------------- I called to pay on the phone. They said I had to appeal the termination through Covered California. Did that, and waited 7-14 days for response, as I was told. In early April I was told that the reinstatement was denied Friday 4/17 - Spoke with LA Care. They said that we're now outside of the 30 day reinstatement window (since I had to wait for their appeal process to finish) and I could no longer appeal. They also said that they always reinstate within 30 days. Except that they didn't... Another false statement. ---------------------------- On that call I requested a supervisor. They promised me one would call back. I watched the phone for a week. No call back. ---------------------------- I called again and requested a supervisor. Same answer, and again no call back. More false statements. ---------------------------- Now I will be liable for paying California's non-coverage penalties, despite my extraordinary efforts, and three payments, to be covered. ---------------------------- IN CONCLUSION: L.A. Care's systems are BROKEN. Very, very broken. Broken to the point that the service edges on fraudulent... You are safer taking your business elsewhere.
By Danny K.