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Sovereign Nations InsuranceThis business is NOT BBB Accredited.
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Reviews
This profile includes reviews for Sovereign Nations Insurance's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
Average of 24 Customer Reviews
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Review fromsam F
Date: 05/22/2023
1 starsam F
Date: 05/22/2023
THIS THE WORST COMPANY DO NOT WORK WITH THEM 1 STAR IS WAY TOO MUCH !!!!! THEY LEFT ME AND MY FAM WITH 5000.00 IN BILLS PLUS WHAT I PAYED THEM OVER 2000.00 WHAT A SCAM I BEG YOU NOT TO USE THEM THEY ARE THE DEVIL !!!! **** **** **** **** !!!!Sovereign Nations Insurance
Date: 06/02/2023
Hello,
Thank you for taking the time to share your feedback about Sovereign Nations Insurance (SNI). We are so sorry to hear that you had a negative experience with our services, and we would like to apologize for any inconvenience caused.
At Sovereign Nations Insurance, we take all customer feedback seriously, and we appreciate the opportunity to address your concerns.
We would be more than happy to discuss the issue further with you and work towards finding a resolution that meets your needs.
Feel free to contact the SNI Client Support Team at (435) 222-9827. SNI Client Support Team will be more than willing to further assist you.
Again, thank you for your feedback.
Best regards,
Sovereign Nations Insurance Compliance
Review fromBirgit S
Date: 04/24/2023
1 starBirgit S
Date: 04/24/2023
HORRIBLE: I signed on with them last year under the agreement that they would cover major hospital care in the event I was hospitalized. Five months later I was involved in a car accident and hospitalized for 2 days. My auto insurance covered part of the medical expenses, leaving a substantial balance for my health insurance provider (Sovereign). While I was in the hospital, the admin billing department told me that Sovereign told them they would not pay a *****. When I spoke with Sovereign, they told me they don't cover any accident-related injuries and it is up to them to decide which cases they will cover (basically none). In the past 6 months I have received over $20K in medical bills which Sovereign has not paid one dollar on. I received a 9 page letter from them listing the hospital expenses that they WILL NOT PAY (ALL the expenses) with the explanation that the plan will pay 0%. The hospital has explained to me if Sovereign does not assume any responsibility, a lot of these bills will be billed to me. This is a terrifying prospect because this could lead to extreme financial hardship for me. There should be a law against the fraud that companies like Sovereign is committing. It is flat-out misrepresentation when they sell hospital health care coverage and then refuse to cover any emergency hospital care. DO NOT BUY ANY HEALTH insurance from this company - they WILL NOT PAY and leave you stuck with the bill!!!!Sovereign Nations Insurance
Date: 04/28/2023
Hello, Thank you for taking the time to share your feedback about Sovereign Nations Insurance (***). We are so sorry to hear that you had a negative experience with our services, and we would like to apologize for any inconvenience caused. At Sovereign Nations Insurance, we take all customer feedback seriously, and we appreciate the opportunity to address your concerns. We will forward your review to the *** Client Support Team, and someone will follow up with you early next week. Again, thank you for your feedback. Best regards, Sovereign Nations Insurance ComplianceReview fromAlisha S
Date: 04/24/2023
1 starAlisha S
Date: 04/24/2023
There is no star lower then what they have. I would have preferred a negative rating. They are a scam!!!!! When we took this insurance, we were told we could go to ANY Dr. All physicals, and everything from lab work that goes with a physical was 100% covered and $0 co pay!! this was so far from the truth!!! First I called when my prescriptions were extremely expensive. I was then told that it is a discount program and if it weren't for the discount, my meds would have been more expensive. We then found out that our Dr's were "out of network" and not covered!!! I get a bill from Labcore, the peditrition, the thearipist, and my primary Dr. I went on the website to make sure they were all covered, which according to the website were in network!!! I just got off the phone with the insurance after being on hold for quite a while. After arguing with them, I was told I should be grateful that the charges were less then what they were! Talked to me like I'm stupid, and kept putting me on hold because I was raising my voice. I felt like I was 2 and I was put in time out!!!!! If their was a way to **** I would!!!!Sovereign Nations Insurance
Date: 04/28/2023
Hello, At Sovereign Nations Insurance (***), we value your feedback and taking the time to leave a review. We are so sorry you had a negative experience with the insurance broker selling the *** Policies. Here at ***, we take all customers' concerns about insurance brokers seriously. Sovereign Nations Insurance apologizes for any inconvenience or frustration that you may have experienced while interacting with the agency and/or insurance broker. We continue to hold the insurance brokers that sell *** Policies to the highest standard. So, thank you for bringing your concerns to our attention. If the *** Client Support Management Team receives complaints regarding an insurance broker, and the broker has violated the companys Agent Code of Conduct, the Client Support Team conducts a thorough investigation. The companys Agent Code of Conduct does not tolerate misrepresentation of *** Policies. The insurance broker has completed high-level training to uphold an *** Agent License, therefore it is the responsibility of the licensed broker to provide the potential enrollees with an in-depth description of the *** Policy Brochure to verify that the product accommodates the needs of the individual(s). Please contact the *** Client Support Team at **************. We will be more than willing to assist you with this matter. Best regards, Sovereign Nations Insurance ComplianceReview fromMichele P
Date: 04/22/2023
1 starMichele P
Date: 04/22/2023
They are not covering a life threatening procedure that my husband needs He had a stress test Denied to cover it Now he is supposed to have die injected into his groin or arm to see where the Clot is and they wont cover it They said this is a discount plan Thats all What a scam company Now what should he do I said well I suppose I will be calling you back if he dies And *** your company for fraud She hung up on meSovereign Nations Insurance
Date: 04/28/2023
Hello, Thank you for taking the time to share your feedback about Sovereign Nations Insurance (***). Unfortunately, you are not an authorized *** member. Due to HIPAA regulations, we cannot discuss member information with you at this time. If a member of your household is an *** member and has additional questions or concerns, please have the member contact the *** Client Support Team at **************. Best regards, Sovereign Nations Insurance ComplianceReview fromAdam O
Date: 03/07/2023
1 starAdam O
Date: 03/07/2023
A scam. They cover nothing and respond to appeals with assurances that claims processing. Not the case after a multitude of communications with agents and supervisors result in nothing. Affordable care insurance in this case means no care insurance. Cannot ever get to someone in charge as they simply shift from one low level agent to another and claim supervisory title. Igonzalez and Tatiana C***** of T******* ****** agreed to help but did nothing except make excuses and evade their oral telephone promises. Adam O******, customer, and Marjorie O******.Sovereign Nations Insurance
Date: 04/28/2023
Hello ****, Thank you for taking the time to share your feedback about Sovereign Nations Insurance (SNI). We are so sorry to hear that you had a negative experience with our services, and we would like to apologize for any inconvenience caused. At Sovereign Nations Insurance, we take all customer feedback seriously, and we appreciate the opportunity to address your concerns. If additional assistance is needed, please email ************************* Again, thank you for your feedback. Best regards, Sovereign Nations Insurance ComplianceReview fromDebra S
Date: 02/24/2023
1 starDebra S
Date: 02/24/2023
Nothing but a scam!!! I desperately need health insurance and went through the process via the **************** in MA. I had to cancel today because it covers nothing .It's a sad pathetic joke praying on poor people like me. Their 3rd party medical billing company they use called ************ is terrible as well.Sovereign Nations Insurance
Date: 04/28/2023
Hello, Thank you for taking the time to share your feedback about Sovereign Nations Insurance (SNI). We are so sorry to hear that you had a negative experience with our services, and we would like to apologize for any inconvenience caused. At Sovereign Nations Insurance, we take all customer feedback seriously, and we appreciate the opportunity to address your concerns.If additional assistance is needed or information regarding the refund policy, please email ************************** Again, thank you for your feedback. Best regards, Sovereign Nations Insurance ComplianceReview fromKathryn C
Date: 02/07/2023
1 starKathryn C
Date: 02/07/2023
VERY eerily similar disappointing experience to other customers. I called SNI before the end January to cancel my health coverage for the month of February 2023. The woman said, no problem, she would cancel for February and I would not be charged. Well, turns out they charged my credit card on 1/29 for the month of February. When I noticed the charge (today, 2/7), I called them and said they need to refund me the $791 they charged me for February. The rep (Siana) said there is no such thing as refunds and refused to put me in touch with a manager/supervisor because according to SNI, I'm no longer a customer since I cancelled my account. For a company such as this, which I would also describe as a scam insurance company since they sold me on a sales pitch and claimed that certain doctor's accepted their insurance when in reality NO doctor office's had ever heard of SNI or PHCS or PNOA... whatever they call themselves depending on the day of the week. I am 100% in need of a resolution to thisSovereign Nations Insurance
Date: 04/28/2023
Hello, Thank you for taking the time to share your feedback about Sovereign Nations Insurance (SNI). We are so sorry to hear that you had a negative experience with our services, and we would like to apologize for any inconvenience caused. At Sovereign Nations Insurance, we take all customer feedback seriously, and we appreciate the opportunity to address your concerns. We have reviewed your complaint. Please note that you were charged on December 14, 2022, for an effective date of January 1, 2023, and charged again on January 29, 2023. Unfortunately, you did not cancel within the 30-day look-back period, so you were not eligible for a refund. Your closed account shows that you canceled on January 30, 2023, at 10:33 AM. SNI's cancellation policy is outlined in the e-signature and on our website sniprotect.com, which states: "Cancellations must be received at least 5 business days prior to the next premium draft date to avoid premiums being withdrawn for the following month. There are no retroactive cancellations or refunds." This is to ensure that ample time is available for the cancellation to be completed. If additional assistance is needed or information regarding the refund policy, please email ************************* Thank you, Sovereign Nations Insurance ComplianceReview fromMatthew N
Date: 01/11/2023
1 starMatthew N
Date: 01/11/2023
If I could leave zero stars I would, this has to be the fakest scam insurance I have ever seen. I was promised up & down that I would be covered for things during the inital phone call. Once I used the insurance for the first time boy was I wrong. It has been over 5 ************* have still not paid for their portion of the bill that they clearly state that they owe & have paid, meanwhile they have not paid a cent. I cancelled the policy & expected a ************* basically told me to pound sand. Please do some research prior to signing up with this SCAM insurance. I will be contacting the attorney general on how to proceed further with getting a refund.Sovereign Nations Insurance
Date: 04/28/2023
Hello, Thank you for taking the time to share your feedback about Sovereign Nations Insurance (SNI). We are so sorry to hear that you had a negative experience with our services, and we would like to apologize for any inconvenience caused. At Sovereign Nations Insurance, we take all customer feedback seriously, and we appreciate the opportunity to address your concerns. We have investigated your complaint, and your account shows your method of payment was reimbursed on December 15, 2022, and Jan. 6, 2023. Again, thank you for your feedback. Best regards, Sovereign Nations Insurance ComplianceReview fromJeff A
Date: 01/11/2023
1 starJeff A
Date: 01/11/2023
The broker never mentioned they dont cover surgery even after he asked if I expected to have surgery soon Sales pitch made it sound great NOT!Sovereign Nations Insurance
Date: 04/28/2023
Hello, At Sovereign Nations Insurance (***), we value your feedback and taking the time to leave a review. We are so sorry you had a negative experience with the insurance broker selling the *** Policies. Here at ***, we take all customers' concerns about insurance brokers seriously. Sovereign Nations Insurance apologizes for any inconvenience or frustration that you may have experienced while interacting with the agency and/or insurance broker. We continue to hold the insurance brokers that sell *** Policies to the highest standard. So, thank you for bringing your concerns to our attention. If the *** Client Support Management Team receives complaints regarding an insurance broker, and the broker has violated the companys Agent Code of Conduct, the Client Support Team conducts a thorough investigation. The companys Agent Code of Conduct does not tolerate misrepresentation of *** Policies. The insurance broker has completed high-level training to uphold an *** Agent License, therefore it is the responsibility of the licensed broker to provide the potential enrollees with an in-depth description of the *** Policy Brochure to verify that the product accommodates the needs of the individual(s). Please contact the *** Client Support Team at **************. We will be more than willing to assist you with this matter. Best regards, Sovereign Nations Insurance ComplianceReview fromJason Y
Date: 12/28/2022
1 starJason Y
Date: 12/28/2022
This is absolutely a scam. My husband signed up not reading the fine print that they cover nothing, so we canceled online within an hour and called the next day to reconfirm. Said our account would be refunded within **** business days. About a month goes by, and my husband call's to follow up, and they say, "the notes here say you are going to utilize the plan, not cancel." We suggested to them the next call is following up with our bank and reporting fraudulent claims, and the person on the phone literally said, "that is probably the best course of action." Do not sign up for this!Sovereign Nations Insurance
Date: 04/28/2023
Hello, Thank you for taking the time to share your feedback about Sovereign Nations Insurance (***). We are so sorry to hear that you had a negative experience with our services, and we would like to apologize for any inconvenience caused. At Sovereign Nations Insurance, we take all customer feedback seriously, and we appreciate the opportunity to address your concerns. We have investigated your complaint, your policy was terminated on December 14, 2022, and you were issued a full refund on December 29, 2022. Feel free to contact the *** Client Support Team at **************. The *** Client Support Team will be more than willing to further assist you. Again, thank you for your feedback. Best regards, Sovereign Nations Insurance Compliance
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