Momentum Health is a Trap.

I would like to share my experience with Momentum, as I believe it is important for others to be aware of the difficulties I have faced throughout this process.

After providing all the information requested by Momentum—information that required me to make and pay for medical appointments to obtain—I was repeatedly told that feedback would be provided “shortly.” When I followed up, I was informed that the matter had been escalated to management for a decision, yet no clear reason or explanation could be provided. Despite multiple follow-ups, I continued to receive vague and inconsistent communication.

Yesterday, I was contacted urgently and informed that the discussion had to take place telephonically, during which I was asked the same questions repeatedly in what felt like an attempt to catch me out for “lying.” I was again assured that an update would be provided the following day. Instead, I received an email requesting my contraceptive history from 2024—records that have no direct relevance to my application, particularly as I was not a Momentum client at that time. This request requires yet another medical appointment and additional costs on my part.

Throughout this process, I have been subjected to unnecessary stress, financial strain, and a lack of transparency. I have had to persistently follow up for responses, only to receive delayed or incomplete communication. I was also reassured previously that Momentum was not attempting to avoid covering my claim, yet the excessive and seemingly unrelated requests suggest otherwise.

Due to the ongoing frustration, lack of clarity, and emotional strain caused by this experience, I have requested cancellation of my membership. Unfortunately, even this request has been met with delayed responses and difficulty in communication.

Based on my experience, I would strongly caution others to carefully consider their decision before signing up with Momentum, as the process I have endured has been distressing and unnecessarily prolonged.