Jake
Very poor coverage but they cover what they say they'll cover
Pros: I've almost never had to fight them on something. I have had to get hospitals to update billing codes for coverage, but then it was covered. Cons: They do not cover out-of-network expenses at all, and nobody wants to work with them. I've had doctors straight up hang up on me when they hear the word Molina. I had a doctor recently tell me that starting in 2025 even the largest hospitals in the Seattle area are no longer accepting new Molina patients. I've had places that are supposedly in-network explain to me that Molina's provider portal is so bad, and their support so useless, that after 8 months of trying to use it they gave up and can no longer take Molina. I was told instead of using *any* of the dozen physical therapy places around me, I need to travel 4 towns over if I want coverage. For a couple in our 30s, I'm currently spending about $12k/yr in premiums, $4k/yr in copays and coinsurance, and an additional $20k/yr for all the stuff Molina doesn't even attempt to cover. Support is a joke. They either don't know and just make stuff up, or lie to you, and of the 4 times I've called them they've been helpful 0 times. Their web portal is hot garbage. You **cannot** get your EOBs online--they'll send you one copy in the mail and you need to hang onto that like it's a treasure, even though it's just a series of nonsense codes that aren't explained. They have so many issues that I had to complain to the office of the insurance commissioner and detailed almost a dozen complaints at once.