Health Insurance Recommendations
I have health insurance through work, which is with Canada Life. Unfortunately I've had lots of issues with them, ranging from claims that they said would be approved being denied (ended up being escalated and I got a very small settlement, about 15% of the costs to me), drug claims being denied with no explanation, and just today I learned that they will only be covering two weeks of my three week recovery from surgery. So they effectively told me this morning that if I don't return to work tomorrow, I won't get paid for the next week.
Anyway, I'm continuing to work on this with my work HR team and Canada Life, but I'm also considering if it might be better to get private insurance through another provider instead. So I'm really just looking for recommendations of providers that are decent. I have quite a few health issues and some expensive meds I take, so I'm less concerned about the price and more concerned about the coverage and the service (I recently had to turn down a job because their health plan only covered 75% of medication costs and the extra cost to me would have been something like $20k a year).
I may have to have a larger surgery next year, and I'm worried that if that happens, I'll have more problems with a longer recovery time and end up either having to come back to work early or try to survive without pay for a while. Not really keen on either option. Obviously there's also the usual issues such as their confusing website, terrible customer service, and the fact that every time I get a message on my case it's from a different person. That being said, my wife also has Canada Life and when she had surgery her time off got approved, so maybe I just have terrible luck with the people assigned to me...
Please feel free to redirect me to another sub if there's a better one, but I couldn't find one that seemed likely