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Emerio Boykins

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Aug 3, 2024, 4:49:07 PM8/3/24

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I originally had the HMO version of the AARP plan, but had a bad experience with one of the dentists. I was paying on a monthly basis and after the first year, I called Delta and explained to the customer service rep that I wanted to cancel my current plan and enroll in the PPO plan. I chose at that time to pay the premium for the entire year.

Months later, I discovered that Delta Dental was still withdrawing the monthly payment from my checking account for the HMO plan! I called them immediately and spoke with a rep who advised me that my HMO plan had never been cancelled. She cancelled it immediately and also advised me to file a complaint and request a refund for the funds Delta had continued withdrawing. I called later in the day to ask another question and spoke to a different rep, who also advised me to write them a letter requesting a refund for the amount they had continued withdrawing from my checking account.

I received a letter back saying that my HMO plan had been cancelled (on the more recent date when I had called) and that the charges they withdrew were from when the plan was still in effect. Then I tried to submit a grievance, but their form really only allows for grievances about a dentist. I filled the form the best I could and submitted it, and months later received the response basically repeating what was in their letter--that my plan had been cancelled on the later date (of course, I had no proof that I had called months earlier and requested that it be cancelled) and that they would stop withdrawing funds from my checking account. They refused to even consider that they have made an error and overcharged me. I'm disgusted with them and would drop them immediately if they didn't provide good coverage.

Hi Susanne, I had a nightmare experience with Delta Dental as well. Not only are the Customer Service Agents unwilling or unable to deal with problems they create due to their inability to process a claim timely and correctly, but, when you finally get a live agent on the phone, they refer to correspondence that has not ever been mailed to the insured member yet. So, the member has not had the benefit of reading correspondence from the grievance because Delta Dental has NOT sent the member a copy of the correspondence. Talk about BAD SERVICE!! The agents are indifferent, rude and impatient. Evidently, they are NOT capable of resolving the problems the insured member encounters when using the plan, and you are NEVER allowed to speak to a supervisor or someone more experienced with claim payment. I'm disgusted with them too, but I don't think their coverage is good enough to put up with their incompetence. There's plenty of competent insurance carriers that can process dental claims accurately, timely and efficiently, Delta Dental and their unruly staff is just NOT one of them.

Recently had a rough experience with Delta Dental. For tough financial reasons I needed to cancel my plan. Turns out there's a 12 month "contract" which doesn't allow that. It is well hidden on the website so most people don't know it's even there. I tried calling, chatting, emailing to get clarification on this. They did not respond to my emails at all. Different reps told me different things. One of the reps said I could cancel and she did cancel me, well that was not true, and she did NOT cancel me. Fortunately that phone call was recorded and I finally got someone to follow that up after numerous attempts to contact someone. Finally Delta Dental got back to me and admitted it was an "internal" error and they would let me cancel anyway. Well, finally they let me cancel but they are still trying to take payments out of my account so I had to cancel my credit card and put a stop payment on my automatic withdrawals from my checking account. Today was supposed to be the cancellation date and they have cancelled my i.d. card but still show my closed credit card as available for payments!

We had the same experience as @SusanneWarren. ThelmaG and would like to file a grievance. I have talked to Customer Service people, Managers, Billing, and the Escalation team with no results. As a last resort, we would like to file a grievance. I was not able to attach any information to my email to Delta Dental so I am attaching it here. This is what I was told to send to Delta Dental for cancellation in April 2022. I received an email reply with CANCEL in the subject line. I assumed that the insurance had been cancelled. However, Delta Dental continued to take the premium payments out of my checking account. We are due a refund for a year of premium payments.

i have had major problems with both delta dental and the assigned provider who just canceled my appointment for the initial patient exam I scheduled for the second time after having canceled the first one when the assigned dentist could not confirm my enrollment in the plan. I had been assigned to the office and to this dentist- the only one close my town and the only one I saw that had an oral surgeon co located which I was aleatoric about because I had a tooth snap off at the gum line and know that this will not be able to be removed by a dentist and will need a referral to the surgeon. Also the other town that has a dentist is another half hour away and a solo practitioner with no oral surgeon. No I here near my town and I will be relying on friends and my mother, and or public transportation for rides to the dentist as I

Getting back any premiums paid after you cancelled is gonna require you to deal in proof to the vendor since you should have stopped the automatic drafts once you cancelled - might even have to go the court route, i.e. lawsuit - is it worth it?

Give dates, who you spoke to, if possible, list all the charges that have shown up in your bank account for the HMO plan that you verbally cancelled. Send them also your PPO info like account #, the date you started it (the date your HMO s/h/b cancelled) and proof that you paid it in advance for a year. If you want this refund, you are gonna have to fight for it - and the 1st step is to get your complaint to the right person to handle it and at this stage that isn't gonna be a CS rep over the phone. There may be a process in your HMO contract that talks about how to do cancellations specifically.

We all control our own bank accounts - you could have stopped the auto deduct of the HMO plan at your bank when you cancelled it. People should continue to balance their checking accounts monthly, that way they keep themselves up-to-date on such auto deducts and can action immediately if they wish to stop an auto deduct for some reason.

Federal law provides certain protections for recurring automatic debit payments. You have the right to stop a company from taking automatic payments from your account, even if you previously allowed them. For example, you may decide to cancel your membership or service with the company, or you might decide to pay a different way.

Our new interactive voice response (IVR) service allows you to activate your debit card 24 hours a day from wherever you are. You also have the convenience of being able to select or change your personal identification number (PIN). So if you forgot or simply don't like your current PIN number you can easily change it at any time!

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