Clearwaterhealth Reviews 5

This is the biggest fraudulent scam I’ve ever seen when it comes to people who advertise themselves like insurance, but do nothing but take your money and not reimburse providers. Just like below. I’ve had the same experience as where they. They lie and imply that they are paying. They give every provider the runaround of not making the payment and then they lie to us saying that providers were missing information or they didn’t receive it or they didn’t submit it in time. 100% regret ever giving these people a dime. Now I’m getting collection letters. Make sure to look up the Washington state lawsuit where this company was brought into legal action and find because they did not pay and we’re acting like an insurance. They took in over $500,000 and paid out only something like 57,000.

They are very quick to collect your premium but are not very good at paying claims. Have claims outstanding for 9 months and no follow through by claims or customer service. Physician's office had the same experience trying to give the claims department what they are requesting but every time they call, they get a different answer or they can't explain the information that they are looking for to process the claim....Stay away!!!

The worst experience I have ever had with a health insurance company. These idiots discontinued my policy but they continued to bill me after the policy was terminated(by them!). Then they refused to cover claims that occurred during the policy period. They would take 4 or 5 months to issue payment for covered medical visits. Worst company ever. Zero stars

Absolutely awful! After being highly dissatisfied with our so called coverage, trying to cancel our membership is an even bigger nightmare! Do not get involved with these scammers! The doctors listed as being in network have no idea what Clearwater is, same with the Urgent Care facilities listed as “in network”.

If it were possible to rate below one star, I would. My experience with this company has been extremely disappointing from start to finish. I have since returned to my HMO and could not be more relieved to be done with this process.

As a new member, I was referred to a covered physician who ordered X-rays at the same facility immediately following my appointment. Three months later (December 2024), I discovered that while the physician was covered, the X-ray procedure was not—simply because it was performed in that facility.

Since then, I’ve spent eleven months trying to resolve this claim with Clearwater. Despite making at least 21 documented calls in the past six months—and likely as many before that—I’ve made no progress. Each interaction has been repetitive and frustrating:
1. “Send us the invoice information.”
2. “Send the billing address, NPI number, and payer details—we’ll notify you once it’s processed.”
3. “It’s been too long; you’ll need to start over.”

This cycle has gone nowhere.

From my experience, Medishare plans appear to operate without meaningful oversight, allowing them to avoid accountability. Coverage issues were frequent, but the lack of customer support was worse. After countless hours on this issue with no resolution, I deeply regret ever enrolling. I would have preferred to pay the expense upfront rather than lose so much time and energy dealing with such an unresponsive system.