K&K Insurance Group Inc.

K&K has reviewed the matter regarding this claim and found it to have been handled appropriately by the K&K Insurance/Specialty Benefits Claim staff. The Headstrong Concussion Insurance program, marketed by the [redacted], underwritten by [redacted], and administered by K&K Insurance Group is an excess/secondary accident medical insurance that was purchased by the Arizona Interscholastic Association under policy number [redacted] with an effective date of 7/1/17 and an expiration date of 7/1/18. The document that was sent in with this claim, that seems to be provided by the Arizona Interscholastic Association, references the excess/secondary nature of this coverage. K&K Insurance/Specialty Benefits also sends out, to the claimant, an acknowledgement/coverage letter upon receipt of a new claim that also advises of the excess/secondary nature of this coverage.

When this claim was received, the other insurance information form was not completed in its entirety. The claimant only indicated on that form that he paid cash for this claim. We have processed the submitted medical bills by informing he and the medical provider that because our insurance is excess/secondary, we need the primary insurance information and the claim must be submitted to them. The claimant advised us that he does have primary insurance with a high deductible and does not wish to submit the claim to them, however, he has been advised that because the terms and conditions of the policy are excess/secondary, the charges must be submitted to that primary insurance before K&K can process his reimbursement request any further.

(The consumer indicated he/she DID NOT accept the response from the business.)
I submitted all insurance information from my carrier on November 7th. Nothing has been done other than one letter for the receipt of the claim. This company, K and K, acted in bad faith by not paying the claim within 30...

days of receipt which is their practice. Please pay the $200 to avoid further misrepresentation of your practices. No phone calls were returned and after the faxed documents I had to call in all 6 times I spoke to a live individual.

Our position has not changed; as statedm We have processed the submitted medical bills by informing the claimant and the medical provider that because our insurance is excess/secondary, we need the primary insurance information and the claim must be submitted to them. The claimant advised us that he does have primary insurance with a high deductible and does not wish to submit the claim to them, however, he has been advised that because the terms and conditions of the policy are excess/secondary, the charges must be submitted to that primary insurance before K&K can process his reimbursement request any further.

Initial Business Response /* (1000, 12, 2016/01/15) */
K&K requires completed applications before coverage documents can be generated and produced for clients; unfortunately we were not able to provide coverage documents for Mr. Geraldo as he had not completed our renewal process. If we can be of...

further assistance, please call K&K at XXX-XXX-XXXX.
Initial Consumer Rebuttal /* (3000, 14, 2016/01/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My original request was not for the official coverage documents. It was for the exact WORDING that my previous coverage contained, which could have been sent in any way, including an email text not an official pdf document. Their website did not give me this option and I have repeatedly asked for the exact same request to which they send me to the same useless website that DOES NOT give me that option!