Here’s a sampling of the kind of complaints that consumers file.
Name: Kaye Otten of Kansas City
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Complaint: She told the Kansas Insurance Department that in 2002 she had emergency oral surgery for an infection that could have killed her, but Mega Life and Health Insurance Co. refused to pay thousands of dollars in medical bills.
Insurance company response: Initially, Mega said Otten’s policy did not cover the dental surgery.
Resolution: Mega reconsidered and paid bills except for co-pays and deductibles.
Name: Larry McKibbin of Jetmore, Kan.
Complaint: Through his insurance representative, he complained to the Kansas Insurance Department last year that Time Insurance Co. would not pay about $40,000 in medical bills stemming from an operation.
Insurance company response: Time told state regulators that the charges were higher than it normally pays.
Resolution: The department asked the company to resolve the dispute in McKibbin’s favor or face possible legal action. Time then paid the medical charges.
Name: Dave Wiker of Olathe
Complaint: He told the Kansas Insurance Department in 2004 that he had called Farmers Insurance Co. Inc. repeatedly to settle a claim over a traffic accident that injured his son, but he could not get an answer.
Insurance company response: An employee’s illness and the amount of the settlement delayed settling the claim.
Resolution: The company settled for $100,000.
Name: Irwin Robker Jr. of Neosho Falls, Kan.
Complaint: Robker, insured by Allstate Insurance Co., struck a deer while driving to work in 2002 in his pickup. He endured a wait for the claim to be settled and after nearly a month complained to the Kansas Insurance Department.
Insurance company response: Allstate told regulators it wanted to know if the pickup was totaled before settling with Robker.
Resolution: Allstate paid $9,400 for the pickup and apologized for the delay.