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Review: Blue Cross Blue Shield |
Comments
These are comments left by site visitors who have completed a survey for this company. The comments are unedited and shown in the order the surveys were received. If you would like to participate, just click the "Take a Survey" button at the end of these comments. |
"The cost is outrageous - 1/3 of my income plus deductibles and copay but they pay every claim and are easy to deal with"
2007-02-16 16:37:38 EST
"have not been reimbursed for any prescriptions since Aug. 1st ,2006! Direct Access sent my 50 year old husband to a nursing home for rehab after a complete hip replacement. They refused him to go to an acute center for rehab. He lasted 24 hours in the place, because they were so negligent.Now he is home, I have had to take off of work to care for him, I had to arrange for physical therapy myself, and I have to give him shots in the stomach for blood thinners."
2007-03-09 13:42:47 EST
"The only thing I would really say about them that they need to combine states so if your company purchases the policies in a different state than where you live you get the same benifits that they do in the state it is based in. like for instances my is from North Carolina and I live in Georgia. I can not get the same discounts than in N.C. so I am Paying for things I can not use That is the only problem I have with BCBS Thank you for you time
"
2007-04-14 11:51:58 EST
"All of my claims have been filed and processed correctly. Not one call was needed to correct a claim"
2007-06-26 11:59:30 EST
"I'm with BCBSNC and feel it is a great company. They have awesome wellness programs and incentives. "
2007-06-27 15:45:22 EST
"They do not hesitate to take our money but in the long run, when we need medical coverage they do every thing in their power to deny our claims. We spend thousands of dollars a year for our insurance but when we need it - Blue Cross goes out of their way to deny any and all claims."
2007-08-07 12:05:38 EST
"I have had BCBS health insurance for over 10 years. They have always been fair and easy to deal with. I've only once had a small problem, which was handled promptly."
2007-09-11 23:32:57 EST
"Referred to unqualified and unsanitary providers. After infection was informed I had no option but to return to substandard provider.
Filed claim, no satisfaction, sueing in small claims court. No protection form HMO in the courts under Patients Bill of Rights"
2007-09-19 11:38:03 EST
"They only pay what they think is reasonable. "
2007-09-27 16:55:01 EST
"Getting pre-approval does not mean anything with this company. They will pre-approve and then deny the claim. Forget about resummitting your claim. It will just not ever be paid."
2007-10-08 09:55:49 EST
"If you have to have surgical and it disfigurer you, you try to have reconstruction surgical thay look it and say cosmetic. But if it was them or there love ones I bet the answer would be different"
2007-10-15 14:56:31 EST
"Blue Cross (Cruz Azul) of Puerto Rico only covers costs that are typically charged in Puerto Rico, even if you are travelling outside PR. If you are hospitalized while travelling to the U.S. expect thousands in uncovered bills."
2007-11-27 08:40:45 EST
"no paper work when needing medical/hospital care and/or treatments/This insurance never
failed to sail right thru any claims in all
the varies medical procedures, treatment,
surgerys ihad."
2008-01-17 22:20:35 EST
"they will find any reason to deny people with individual health care coverage. They bully you just because your not part of group coverage. DO NOT GET INDIVIDUAL COVERAGE WITH THIS COMPANY"
2008-02-15 17:34:53 EST
"After reading other reviews on BCBS, I realized that it is the individual policy holder who is getting screwed. All of the "group" members seem to rave about the claim process, customer service, etc. My question to them would be, how many times have they had to deal directly with BCBS regarding claims or general insurance questions. I have worked in corporate America and know that there is generally an insurance rep within the company to deal with complaints and concerns--you rarely have to deal with insurance directly. Individual policy holders pay the highest rates and receive the least benefits!!! DO NOT GET AN INDIVIDUAL POLICY WITH BCBS. In order for BCBS to hold on to their big corporations, they will require you to pay higher rates in order to make up the difference. What ever happened to the theroy that America is all about free enterprise? It really isn't--we don't take care of the little guy (self-employed) at all."
2008-03-26 19:40:35 EST
"BCBS is in the business of denying claims until you realize they should have paid it and go through the appeal process. Their customer service reps are extremely uninformed and rarely can answer questions. There is no "ladder" of customer service. In other words, if your questions isn't answered by a telephone rep, you are not allowed to speak to a supervisor or someone else who might know the answer. They denied over $5,000 of my benefits during cancer treatment. When I was well enough, I refiled every single claim myself that was denied--they finally had to pay me back. My advice...don't use BCBS. They are bad for your health!!!"
2008-03-26 18:54:02 EST
"Regence Blue Cross Blue Shield is very easy to work with and alays helpful."
2008-02-21 20:23:55 EST
"Never want to pay claims!! Always have to go over with them 5 to 6 times"
2008-02-28 23:47:01 EST
"coverage is never what they say it is. I am always paying for 60 to 70 percent of medical procedures i am having done. Terrible!!!!!!!!"
2008-03-07 23:53:14 EST
"Pays for hardly anything yet raises it's cost every year..."
2008-03-13 19:32:20 EST
"For the expensive premiums, you think you are going to get an honest quality insurer but BCBS WY weaseled their way out of every bill they could, and part of every other bill. Their 'reasonable and customary' rates must come from 1965 charts. "
2008-03-27 11:23:31 EST
"We have a PPO and it is pricey, and it has really turned into an HMO because we have to get authorization on prescription that we have taken for years and now that Anthem took over we need to get authorization and pre-authorization on blood work, x-rays. For the price you really don't get good care. Our doctor's have even recommended we look for another insurance company. "
2008-04-11 12:02:13 EST
"the healthcare situation in this country is a total mess"
2008-04-23 21:19:00 EST
"I fell down some stairs and broke my leg in 2 places and went to the closest Emergency room to where I was,(NOT IN THE NETWORK) at the time I was not thinking "oh yea let me check to see if there in my network" I was thinking get me to the closest emergency, NOW because they were NOT in the network that comes out of MY pocket and does NOT go towards the deductable..NOW I have to go to physical therapy (which IS in the network) and I still have to PAY the FULL amount until my deductable is met and they aren't EVEN going to apply ALL of the cost towards my deductable...If you are at all remotely considering Blue Cross Blue Sheild, I would recommend you find ANOTHER Insurance Company, I am! Oh and by the way in the Last 2 years we've had this insurance this is the FIRST time we had to use it!!"
2008-05-01 15:37:46 EST
"Why should consumers, "patients", have to jump thru hoops to "persuade" the health insurance company that their claim is valid, appropriate, certified, whatever excuse they give to not pay, even though emergency room treatment is necessary? My experience will cost $20,000 in addition to continued payment of premiums."
2008-07-07 11:56:11 EST
"Main complaint with Blue Cross is their customer service - can't reach them on the phone, it's always busy and it progressively has been getting longer wait times! I have been on hold over 15 minutes without reaching a person, that I just get tired and hang up."
2008-07-21 16:35:16 EST
"I have group insurance. The coverage needs serious improvement. Customer service personnel is pleasant once you finally get a live person.
As with all insurance companies, nothing is paid at 100% therefore I use supplemental insurance to cover everything BCBS doesn't feel like paying.
I bet their CEO, CFO and other 'big titles' get 100% coverage on top of the millions they are making at the expense of the little guy. So here's an savings tip for all the insurance companies, if you want to save money, cut the salary of your big guys by 50%. Nobody needs millions to live in this country.
"
2008-08-19 15:41:27 EST
"I have changed my plan in July to go with a cheaper plan. As of August 18, they will not accept this plan (even though I have signed copies through one of their insurance agents) and have made me pay higher premiums in order to stay insured. They also want me to pay September at this higher premium and might change it for October. Blue Cross Blue Shield is doing nothing to honor their signed plan with me. Very disappointing after being a customer of theirs for over 20 years. I recommend finding a different company."
2008-08-23 10:44:11 EST
"For all the years (over 5) I have had this ins company I have paid out tons of money and they have covered nothing. THey find any way to avoid paying a claim even when you do all the things they tell you to do so they will pay it. "
2008-09-16 11:32:10 EST
"Our BCBS Plan 65 is for seniors with Medicare, called a gap policy. We live in Kansas and the plan is called 65. It has been very good for us. But don't know if it covers nursing home. We are both going on 76 years old and living in our own home, which is paid for, except for utilities,home insurance and auto insurance, food,property taxes (once a year)etc."
2008-09-19 19:16:24 EST
"Our premiums keep going up and our deductible went up... who can afford $900 a month for insurance for 2 people? We are Healthy!!!! Just because we are over 50? I'm disgusted. "
2008-09-25 16:51:48 EST
"Prior to signing up for insurance, I called the Blue Cross Blue Shield to see if my out of state student could be covered, they assured me that he would be. Once enrolled, I was informed that there were several stipulations included (that were not disclosed prior to my enrolling) that would disqualify him (he is an 18 year old student). Needless to say, they will not have my business in the future."
2008-10-21 18:44:46 EST
"Bluecross blueshield of Tn will keep raising your rates every year they go up and if you call and say you can't afford the premium they will put you on a different plan with less benefits and a higher deductable then the next year your premium will go up again. They look for any reason to add riders to your policy and deny all the claims they can. Our family is healthy and had only occasional claims nothing major but they still raise the premium every year. I guess we'll have to decide if we want health ins. or we want to eat and keep our home. "
2008-10-29 11:21:56 EST
"This insurance company doesn't cover some of the most basic things. I was appalled. I paid a little extra for a "better" plan, and was still stuck with a $130 doctor bill for routine visits AND had to pay for blood tests recommend by my doctor. Very unhappy with them. A waste of money and poor customer service."
2008-11-02 00:09:42 EST
"Too high premiums for too little coverage"
2008-11-17 12:14:22 EST
" You have to wait on hold for 30 to 45 minutes just to get a simple answer to a simple question. I havn't had to use this service yet, but I feel this is an example of how screwed up this is. For what it's worth I have probably paid over 40,000 to this company and never made a claim. "
2008-12-07 18:31:28 EST
"Ungodly slow. If you ever have to file a claim, bug them every chance you get or they will sit on your claim for months. Lets see, I filed a claim in May, and they got around to paying in November. "
2008-12-06 02:35:50 EST
"I almost have no choice but to renew my policy because its from my employer, but they keep raising our premiums, and then each year they raise the copays. I think its just ridiculous to pay a $30 copay after having met a 3000 deductible! and $30 is for a Primary Care doctor not even a specialist"
2008-12-04 13:55:04 EST
"It is very difficult to reach customer service, and once reached, they are not always informed or polite.
Since you never know what BCBS is going to pay on a claim, you do not know what your part of the bill will be until you get it. This is a particularly stupid way to budget healthcare.
Their protocols for the way doctors are to handle injuries, turn out to be more expensive than if the correct test had been ordered initially. Because of this stupid way of handling my shoulder injury, the insurance company spent a LOT of money on PT, MRI's that did not include the shoulder, doctor visits, etc. I also spent a lot of money unnecessarily. Finally they agreed to do the MRI of my shoulder(after 5 months), which found a torn tendon. This could have been discovered easily and after the first doctor visit if the insurance company had not required the other things first. So many bad decisions and so much money spent for nothing, and so much of my time wasted, while I was in terrible pain. Sadly this is probably what all the insurance companies do."
2009-01-06 09:26:57 EST
"Wife had open heart surgery at a cost of $100,000.00. I paid $10,000 in deductible and then the insurance company, after about a year of communications, refused to pay the balance saying that they viewed the $10,000 that I paid as being a fair price for the procedure. insurance payout ZERO."
2009-01-08 13:42:50 EST
"Our only issue with Blue Cross/Blue Shield is the costs continue to climb substantially every year and we have had no serious health issues so far. They are efficient and process the claims in a very timely manner. We have a high deductible so it takes a while before they actually pay any of our bills. However, we are able to get their contracted price that they negotiate with the providers so that's the actual price we pay. However the premiums are getting ridiculously high."
2009-01-26 13:50:01 EST
"Very unsatisfied. We have used a marginal amount of coverage. While trying to switch plans to save some $$, they placed riders on every treatment that caused us to go to the doctor in the past three years.
Thanks for taking my money.... currently looking elsewhere, will not renew with BCBS of Iowa"
2009-02-24 19:38:09 EST
"You might think that you are in a single risk pool with BCBS. That is not the case! Each policy type has it's own risk pool and thus the premiums adjust differently. Get away from an older plan while you are healthy!! Agents push the new plans and thus they get younger members with less health issues thus fewer claims and better rates. I have a conservative, now discontinued, Hospital/Surgery only plan and my rates just increased 45% with no claims made. I have no latteral moves and face requalifying. I thought that I signed up with BCBS as a company. They (insurance companies) apparently play games to weed out those that develope health issues as they get older. Be careful."
2009-03-18 13:24:29 EST
"They are licensed mafia..thats it"
2009-04-20 20:25:47 EST
"Rates raise considerably every year, even if you never use the insurance. The raise was 18% this year, I dread seeing what it will be next year."
2009-05-04 21:18:51 EST
"Not only do they deny claims and now limit the hospitals you can go to, even if it makes you drive 45 mins to the next closest hospital, god forbid a medical emergency, but they also raise their costs every few months!"
2009-06-12 13:23:53 EST
"This is the State of Texas HealthSelect, BXBS of Texas. Texas should look at providing employees the United Healthcare
options given by the Texas County systems.
HealthSelect does not maintain uniform contracts with providers;therefore,you may be responsible for a higher percentage by one provider than another for the same service. You must obtain a referral for all services other than your primary care provider or an ob-gyn.The Texas law prohibits insurance companies from requiring a referral for ob-gyn services. HealthSelect will nit-pick every claim and referral for tests.
"
2009-06-11 14:45:06 EST
"The rates started as reasonable but go up every year. In 20 years I have NEVER filed a claim or meet my deductable. And yet my monthly cost is $489 a month. Unreasonable!"
2009-06-23 21:18:24 EST
"The coverage is good. The premiums are high"
2009-07-01 10:20:53 EST
"Rapacious greed toward self-employed (self-insurers) who never cost Anthem/Blue Cross a dime."
2009-07-11 11:07:27 EST
"This was the best insurance I ever had. The premiums were expensive, but totally worth the cost. Things were actually covered. And organized. I really miss this insurance from my old employer."
2009-09-08 23:00:26 EST
"blue shield is bad news"
2009-09-15 18:40:34 EST
"does blue cross/bs ever pay claims? working in the health care field its hard to believe this company has not been investigated and fined or shut down.rates go up every year and coverage keeps going down,in fact some of the physicians will no longer accept bc/bs because they are so bad.I think there should be a class action against this company!!!"
2009-10-09 13:25:15 EST
"Would not insure my spouse because of previous medical condition (ovarian cyst) which has not recurred for over 3 years. Also, increased my rate by almost 50% without warning even though I only used insurance for routine office visits."
2009-10-22 17:48:25 EST
"Great paperwork, fast payment, fair on claim payment. They are by far the best group health insurance I have ever had."
2009-10-25 23:12:57 EST
"Nobody know what is going on, everybody tell different story. Recently customer support people do not sound happy."
2009-11-09 11:31:43 EST
"Not even a terminal diagnosis makes them speed up the process of approval. 3 times have denied an MRI and PET scan. Not even with all the evidence that confirms the URGENT NEED to have the tests done. People my suggestion is: if planning on buying insurance DO NOT waste your money on BCBS. If no choice but to renew because your employer pays for it, DO NOT give up!! Keep bugging and persevering. They just want to make you quit your efforts for your right to treatment because they do not want to spend their money.
KEEP FIGHTING!!! "
2009-10-29 15:36:12 EST
"they are a criminal racket"
2009-11-02 21:06:00 EST
"My Doctor thinks I may have a herniated cervical disk and need an MRI on my spine, but I was denied because I was told I need to be in pain for 6 weeks before they will even consider one. Why is the company over riding a doctors recommendation is beyond me"
2009-11-19 15:05:16 EST
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