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Blue Cross Blue Shield Reviews and Customer Comments

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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.

"Have a 6000 deductible. Even after 2 approved cancer treatments for my husband blue cross of Texas says he hasn't met the deductible. Meanwhile we are paying 900 a month for 2 of us Truly false advertising. I don't know of they have any intention of allowing him to meet his deductible so that they will pay 100 percent."
Commented on 2014-09-06 17:48:50 EST
"Signed up with BSBS BlueCross Blue Shield Silver Plan and ended up with NETWORK E under new healthcare program. Even though Doctors "accept" my plan E - most in the area are NOT as in no.... accepting any new patientsWhen trying to find a doctor if they will take you under Network E it will be at least 6 months out to make an appt. I tried to get into another plan..any plan than this Bluecross Silver one...nope have to wait till the new sign up in November. So NOT right. Should let you change at any time. Huge sigh "
Commented on 2014-07-17 16:39:35 EST
"By far the worse insurance. I am single and my deductible is 2500. The co pay is outrageous and they do not cover anything. "
Commented on 2014-07-09 21:15:43 EST
"They don't pay even when policy states procedure is 100% covered and pre approved they then don't pay and customer gets billed full amount. Deductable has been met. They lie and don't care also very expensive"
Commented on 2014-07-07 14:52:50 EST
"They are awful. Won't cover anything. They really could give a crap less what pain and suffering their customers go through. They just want to deny every claim. They are especially bad with mental health claims. They really only care about saving the company money they could care less about the people. We won't be getting this insurance ever again. "
Commented on 2014-06-25 13:19:21 EST
"Signed up with BSBS under new healthcare program. Even though physicians "accept" my plan E - most in the area are not accepting new patients. BCBS when I ask them for help finding a physician sends me repetitive lists that include physicians who are not family medicine etc. I pay the premiums each month but to date have not been able to find a doctor."
Commented on 2014-06-21 16:58:11 EST
"This company needs to be shut down."
Commented on 2014-06-20 09:34:16 EST
"This company will do anything within it's power to deny claims. They will claim they never received faxes take 15 days for an initial pre cert. then say there is not enough information for a determination to be made. The worst of the worst. "
Commented on 2014-06-17 10:17:36 EST
"I need a simple mammogram. The runaround from the insurance company has cost me half a day on the telephone and another half day unnecessarily dealing with my primary care doctor. This has to be the worst insurance possible. Do not get a BCBS HMO plan. Ever. "
Commented on 2014-06-03 12:41:00 EST
"The customer service is always outstanding I never wait longer than 3 minutes if that to speak to a representative. All of the customer service people have been very friendly and have made sure to answer every question I have promptly. Anytime I have ever been billed the wrong amount the insurance company has fixed it immediately by placing me on hold while the problem is solved in a timely manner which has saved so much hassle for me It's far and few between to find good customer service these days but I have found it in Blue Cross Blue Shield"
Commented on 2014-06-03 12:06:47 EST
"I haven't used much of their services yet and the only time I needed to use it the claim was filed and paid without issue. My problem so far is their website and handling of the online customer service message center. I have tried to pay my bill online every month this entire year it is now May and every time their website denies my just used password. I even tried changing my password and it still denies it despite me just logging in. I send them an Email each month with this issue and all I get is a new ID card in the mail for my troubles. Now they are not sending my bills in the mail so I can pay with a check thus making me print out the bill myself"
Commented on 2014-05-19 01:54:05 EST
"DO NOT sign up for any "Affordable Care Act" plans with this company. They have been extremely reckless neglectful and irresponsible and my family's health is at risk because of it. I understand this Obamacare mess has been a disaster from the beginning but BCBS has made the situation even worse by making decisions that cause extreme frustration and stress to new members like us. Our hold times since January have been over 60 mins at any given time of the day. They hired a large number of new employees in a frenzy to throw on the phones answer the large number of calls/questions. Now still at least 45 minutes to get to the "members" dept where all of these new hires sit with NO CLUE what they are doing. I have had to explain basic medical / insurance terms with them it's scary. Since January signing up we still have NOT received ID cards Benefits booklets or working online access to find this info nothing We are paying for a plan that is invisible Doctors will not see us without showing our ID cards and copy of premium payment every visit therefore we don't even have coverage. Each time you call you will get a completely different answer to the same question OR "I'm not real sure what your plan covers" or "we're still trying to find out what the new regulations make us cover"I have spent over 30 hours on the phone or online trying to get answers and they do not care if you tell them when you have had to go through to get a person on the phone and then be told they don't know.To top all of this off we have been sent letters stating they are changing the premium due dates from the 1st of the month to the last day of the month. I called to make sure I understood correctly I was told yes that was correct and that there is also a 30 day grace period. Next I am at the doctors office after waiting months to get in. The office staff tells me they called to verify coverage and they were told my policy was terminated because I did not pay my premium by the 1st of the month I went home and called BCBS I was on the phone with a brand new person that said nothing but.. "ummm I don't know I'm new" and then 3 hours and 45 minutes later spoke with "supervisor department" and she said they don't know anything about the due date change and that it must have been a mistake I told her "No I called to verify I understood the change and that we received another letter saying the same thing for the upcoming month" she said it shouldn't have been sent to me and that there is not any info in the system that says anything about it I ended that call feeling hopeless and in disbelief. I don't know what to do know. If their letters are really coming by mistake I will have to send 1400 immediately to cover last month and this month and I still have no ID cards or info on our coverage benefits. I have since cancelled 6 appointments for our family that were scheduled due to our plan that we have paid for no longer exists. If anyone had the time to read this LONG explanation and can help or give suggestions please let me know Thank you. "
Commented on 2014-04-07 17:22:31 EST
"Seems one of those companies who give customers a run-around and not provide the service. Signed up for Health and Dental insurance in January to be effective March 1st. They gave policy number but when I call back to inquire about policy details customer service does not recognize that number name or anything else. Transfer one place to another take my hours of time finally get some answer that does not satisfy my concern. Very proactive in charging and sending tons of mailers in US Mail double mailing. Policy information comes last and does not match with their Sales brochure on coverage details. Wait time of 12 months on certain procedures not listed in sales version of coverage details. Sending bill after coverage started...based on my experience if the bill is received late or not paid they can potentially reject the policy? We will see what happens. So we chose the PCP on their web-site they sent cards with different PCP not even in our area. Somewhere far away. Nor we know the Doctor. Our Doctors were first in their Network a month later they say they are not any more so we chose different ones who clearly stated accept new patients. New card comes in mail. Called Doctor's office they don't accept new patients. We are back to square one. Can't see a Doctor. Customer service wait time in in hours. When CS attends the phone they provide information that I am unable to trust. Have spent many-many hours signing up for the insurance. But not able to get any service or medical or dental coverage. Totally frustrated and lost. Next I am thinking of sending story to news media and ask for insurance premium refund."
Commented on 2014-03-04 20:54:20 EST
"Blue Cross Blue Shield of Texas HMO to get a referral to see a specialist can take months avoid this company. "
Commented on 2014-02-13 18:46:55 EST
"We have BCN. Our primary care physicians were taken away. You used the Affordable Care Act as an excuse to screw us. We own a small business. For 2 people group plan we shelled out 1500.00 per month I guess that was not enough money for you. I am 58 years old and have been a loyal Blue Cross person for 40 yes 40 years. Take your new select plans and put them where the sun don't shine. Thank God we have until March to change. And change I will. I don't believe that Obama is forcing you by new laws to do this. I believe you have an incentive for Obamacare to fail. A greedy incentive. Well you won't get any more of my money. There are many of us out there. You screwed us. Screw you."
Commented on 2014-02-03 07:08:57 EST
"Customer service is horribly self serving They expect you to know what they expect of you. Bought new policy never was told that you have to phone to cancel old policy instead of doing that when you are signing for new one. Result--two bills--which you might have to pay if you don't make that call. Stupid customer service very snippy"
Commented on 2013-12-23 12:39:46 EST
"WORTHLESS is an understatement for BCBS of Oklahoma or BCBS in General. They are part of a larger organization called Health Care Health Services. They would rather you sit in pain and your condition deteriorate than approve a procedure to allow you a normal life. It's amazing you have a Medical Doctor who has examined you put you through all sorts of tests to confirm his diagnosis and a "NURSE" at BCBS denies the procedure for not medically necessary. The procedure is appealled and the "Nuerosurgeon" with years and years of expierence gets to talk to a "Pediatrician" at BCBS of Oklahoma who still denies the procedure. When you look at their wonderful medical policies make sure you read all the articles / studies they quote. You'll be amazed how they pull only certain parts of the quoated articles / studies to put out a policy to catagorically deny a procedure. Flat Out Amazing. Do Not Choose Them You'll Regret It"
Commented on 2013-11-14 16:10:39 EST
"DO NOT SIGN UP FOR BLUE CROSS BLUE SHEILD. They are expensive and will not cover anything. I am in so much pain I can't go back to work. They will not cover my surgery I need. My employer picked this insurance company not me. I am appealing BCBS now."
Commented on 2013-11-12 17:07:42 EST
"They expect the premiums to paid on time but if you file a claim be prepared to wait about 6 months to receive your reimbursement from them they will say your check as been mailed to you but you never receive it then they put a stop payment on that "check" it takes over a month for that process then it takes another month or so to get a new check processed then after a few more excuses delays you may and that is a be MAY receive the money if you're lucky Worse insurance company I have ever dealt with if possible find you another one"
Commented on 2013-11-04 09:52:11 EST
"I've had bluecross blueshield insurance for about 3 years now. I've been denied everything from a Colonoscopy to allergy medication because "it wasn't medically necessary". It took my doctor almost 6 months of arguing on my behalf to get me the allergy medicine. Just now I was denied a vaccination... for it not being medically necessary they completely missed the point of what a vaccine is."
Commented on 2013-08-07 13:27:10 EST
"Terrible service and billing. They don't know what they are doing"
Commented on 2013-06-18 18:30:41 EST
"Worst company on earth"
Commented on 2013-05-15 03:22:34 EST
"Needed a medical procedure doctor's office wouldn't even schedule it until they got approval from BCBS. Then BCBS denied the claim because it wasn't preapproved. Doctor's office claims it was BCBS says it wasn't and I'm out 2000. And this is not the first time this has happened. A few years different doctor same situation but with a test instead of a procedure. When I informed BCBS that I knew the doctors office got approval because I was sitting in the office with them when they called BCBS then claimed the doctors office had given them the wrong code therefore the approval was not valid for the test that was run. BCBS will deny claims any way they can and the patient who has paid a truckload of money for the insurance is then stuck paying the bill. For insurance companies to do things like this should be illegal but the insurance company gets away with over and over with no repercussions. "
Commented on 2013-04-10 06:20:46 EST
"Blue Cross Blue Shield of Illinois will find any loophole to deny coverage that has even been deemed medically necessary by a physician. They take your premiums but getting money out of them for coverage is a battle every time you make a claim."
Commented on 2013-03-03 14:44:56 EST
"Very dissatisfied and frustrated with this company-- especially for the premium"
Commented on 2013-02-06 18:00:23 EST
"Expect them to continually deny your claim. You will have to appeal to get your medications. Their customer service is just a front to try and placate you so you go away. "
Commented on 2013-01-17 20:47:16 EST
"Our company uses BCBS of Texas for health insurance and the coverage was fine in 2011. In 2012 many physician groups individual physicians and surgery centers stopped taking BCBS leaving our employees without coverage or having to change providers. In some cases there were no acceptable alternatives. We will be changing carriers upon renewal."
Commented on 2013-01-03 15:12:02 EST
"they made mistakes every step of the way and then pulled a nasty attitude when confronted.Takes month to get payments and still waiting for my surgeon to get paid for surgery from 8 months ago.. surgeon says I need to pay out of pocket.. yeah right"
Commented on 2012-08-30 08:53:01 EST
"I needed a lumpectomy and interoperable radiation IORT for breast cancer. Before I scheduled the procedures I called and asked if I needed preapproval and was told "no." I called again and asked if the IORT treatment would be covered and was told "yes." I had the surgery and BCBS of Illinois is denying 30 thousand dollars of radiation treatment saying it was not medically necessary and did not meet policy criteria. You cannot trust what BCBS reps. tell you even when plan brochure says to check with them first. Yeah right..."
Commented on 2012-08-26 16:43:28 EST
"They are terrible for those on an individual plan Do not use them"
Commented on 2012-08-10 11:18:48 EST
"We have been with Blue Cross Blue Shield of Arizona for over 10 years. About 10 Years ago my wife got breast cancer. Everything cancer wise has been clear ever since. The problem is ever since then Blue cross of Arizona has been financially sodomizing our family. knowing that no other company would cover my wife because of the cancer my wife by herself rate has gone from 450.00 a month with 2500.00 deductible to almost 900.00 a month with 10000.00 deductible. I hope this company rots in hell"
Commented on 2012-07-08 11:34:18 EST
"Blue Cross/BS is the worst insurance company in history. Claims are frequently and randomly denied. Sometimes it takes hours of phone calls to get claims paid. One claim took 6 months to settle meanwhile the hospital wants to get paid. Customer service is a joke. Be prepared to wait almost an hour to talk to a real person. The automated system rarely gives the option to talk to a real person though."
Commented on 2012-06-04 19:30:10 EST
"Yes last year when I went in for my annual physical which I believe is preventative medicine all my blood work was covered this year I went in and found out the only thing they will cover is cholesteral screening glucose and prostate thats it. They will not cover your CBC which I think is very wrong unless you have a medical problem you go in for your annual to catch something before it gets out of control. What a ripoff"
Commented on 2012-03-27 11:06:10 EST
"Increase rates while decreasing coverage with time."
Commented on 2012-03-19 21:45:42 EST
"Their rates are raised annually by ridiculous amounts in my case 20% per year although I am in almost perfect health with only 1-2 urgent care vists per year for a cut or a pain. If you want to call and speak to a live body plan on spending 20-60 minutes on hold each time you call. Just ridiculous"
Commented on 2012-03-16 16:12:28 EST
"Massive dictatorship type price gouging and dropping of coverages for needed medications."
Commented on 2012-02-06 14:30:24 EST
" Blue Cross/ Blue Shield is an outstanding company to have your health insurance with. The coverage is excellent and the payment health coverage is fast."
Commented on 2012-02-01 18:29:34 EST
"as changes are made customer contact would be helpfull"
Commented on 2012-01-31 10:54:03 EST
"Was lied to and now I owe thousands of dollars - thanks BCBS"
Commented on 2012-01-27 11:34:01 EST
"AZ Blue Cross Blue shield processes claims within 4 days of getting them. EOB are correct and info is clear. In person customer service help is excellent.I wish my Carefirst Blue Cross Blue Shield work as well as AZ. Carefirst should be put out of business by the Insurance board."
Commented on 2012-01-18 19:12:48 EST
"Make mistakes on all my claims.Dont update my data.Customer service is hopeless.Put you on hold for hours."
Commented on 2012-01-09 09:14:00 EST
"After my cobra ran out I applied for a less expensive Blue Cross policy and was denied because of hip replacement last year. I recently got divorced and am on limited income. They are no better than the car insurance companies in this country who deny you coverage after a claim when you have been paying premiums forever. I was denied in the appeal process as well . I am an extremely fit energetic 57 year old that walks about 40 miles a week bicycles around 80 miles a week and plays tennis twice a week. I am currently preparing to walk a 500 mile pilgrimage in Spain. I have no other medical conditions and rarely get sick enough to see a doctor. This is the first of many letters. My x is the pres. and C. E.O. Of a national life insurance company and has agreed to have me meet the insurance commissioner of Texas. I have contacted two congressmen and Harry Reid. Get angry stop complaint on these surveys and do something. If you have time to fill out a survey you have time to write a letter."
Commented on 2011-12-15 14:37:29 EST
"Dr. recommended ablation procedure but was denied initially as well as under two separate appeals. Dont believe that insurance should decide the medical decisions that a cardiologitst makes. Will go elsewhere for sure. If you have a choice pick another company."
Commented on 2011-11-15 19:02:21 EST
"My main concern with this company is the cost. As a single person I pay 650 per month and my deductible is 2500."
Commented on 2011-11-08 17:34:19 EST
"I am guardian for 3 minor grandchildren so I have kept BCBS even thought I am retired and have Medicare. Both my husband and I have many medical problems and have had surgeries. BCBS has been wonderful. It is really great when I am sick that I dont have to worry about the medical costs."
Commented on 2011-11-04 16:03:34 EST
"cost to much need lower deductible."
Commented on 2011-10-28 18:47:25 EST
"Co pay is to MUCH"
Commented on 2011-10-20 08:52:51 EST
"Arbitrary price increases several times a year. Individual plans cherry pick and price people over the age of 50 out of the market."
Commented on 2011-10-13 08:30:29 EST
"Rates go up on almost every quarterly bill."
Commented on 2011-10-07 18:41:20 EST
"This is the worst company I have ever dealt with. I am trying to settle a claim now and the consumer service reps do nothing but give me the runaround. The information provided by their website is either misleading, difficult to find, or simply missing. For example, it is impossible to get a straight list of services covered."
Commented on 2011-05-31 21:07:10 EST
"Two weeks after my 28 year old brother was diagnosed with a deadly cancer, Blue Cross decided to deny coverage for pain treatments that I have been receiving for years. Without the treatments, my migraines often cause auras to the point where I am unable to read the computer screen, which means that I have to leave work. I have tried everything else for my migraines. Blue Cross is awful and I am reporting them to the board of health. "
Commented on 2011-04-13 11:26:08 EST
"With grief my sister passed away six months ago. She was an individual BCBS policy holder. Unfortunately she had very aggressive cancer (sarcoma). Doctors did not promise anything, but they tried what they could. Nevertheless she passed 7 chemotherapies, one radiation treatment, 3 MRI, hundreds diagnosis and a lot of physicians visits. She had 100% coverage after deductible. After 13 months of treatment they took only two deductibles and not a dollar more. The only they did not covered, is an inpatient hospice. It was clearly written in contract, but they covered the outpatient hospice, so we needed to pay the difference. They spent more than half a million on treatment. It was a hard time, but fortunately HCBS had done, for what was paid for regularly. "
Commented on 2011-04-11 22:21:05 EST
"Deceptive liars."
Commented on 2011-03-28 14:33:28 EST
"They are quite unfair when it comes to supporting mental health claims. I was seeing a psychiatrist for anxiety and they shut me down, right in the middle of treatment (continued coverage for only 2 weeks max). As a result, the anxiety is getting worse."
Commented on 2011-03-09 13:57:40 EST
" I pay 590.00 a month for just me and I am 34 years old. This does include maternaty. But still its very expensive."
Commented on 2011-02-18 12:41:42 EST
"Anytime I had a health issue I had to call and fight with the company to pay for what was already covered. If you have any health issues beyond the normal wear and tear... They have no interest in helping."
Commented on 2011-01-11 16:24:21 EST
"They are very deceptive"
Commented on 2010-12-29 14:51:48 EST
"Will nickel and dime you over claims. One denied claim was so curious that even my practicioner was stunned, helped lobby on my behalf, and still to no avail. "
Commented on 2010-12-17 17:37:09 EST
"Rate increases, undetermined coverages, bad customer service. Costs TOO MUCH. "
Commented on 2010-12-03 11:13:06 EST
"For a family of 3 adults, we just got our 3rd rate increase in 2 years and are now paying $15000.00 a year."
Commented on 2010-11-16 11:52:40 EST
"I have paid into this insurance for years. Never been sick until now. I recently had a short bout with early prostate cancer, which has been resolved. Once again I am completely healthy. However, this past month, they doubled my insurance premium so that for 1 person, me, I am paying over 700 per month, which is half of my income. "
Commented on 2010-10-28 14:37:40 EST
"Customer service is poor. Pay huge; for little benefits. "
Commented on 2010-10-14 17:11:29 EST
"Rate increases. Rate increases. Rate increases. Rate increases. Rate increases. Rate increases. Rate increases. Rate increases."
Commented on 2010-09-12 11:26:42 EST
"I went through breast cancer last year. They are now raising my already high premiums in August, and will also, I am informed today, raise them again on my birthday in Oct. Raising premiums more than once a year is ridiculous, and the fact that no one else will insure me now means I just have to tough it out. Although I am not in favor of the new healthcare reform as it stands now, I do like the part about no preexisting conditions precluding insuring me."
Commented on 2010-07-30 09:44:11 EST
"I hurt myself at work and needed surgery (the accident was my fault). BCBS wanted me to sue my employer, with my own money, then give the winnings back to BCBS. I was kicked off my parents insurance after graduating college. I applied for an individual plan and they denied me for pre-existing conditions. Profit before people is their policy. US needs Universal Healthcare."
Commented on 2010-07-20 22:16:57 EST
"Blue Cross Blue Shield of Utah was terrible to work with. They incorrectly categorized my husband as my son, which I did not find out about until they canceled his policy. Their automatic payment system cannot handle "odd amounts" so when they changed the billing the system took out double what I owed for the month, and they had no record of it! Since they had no record they canceled my policy for lack of payment. No one called me to clear up the "odd amount" they just canceled my policy. I am trying to get a refund for the double charge that they finally did find. The customer service people are kind, but the company and system are awful."
Commented on 2010-07-20 15:56:45 EST
"Blue cross blue shield of Massachusetts is the worst ever insruance that i had ever had in my lifetime, if you paid out of pocket and trying to claim, your money is gone. You never get any claims paid, for silly reasons BCBSMA rejects claims, worst , last year my company was having CIGNA, i would feel CIGNA was the best."
Commented on 2010-07-19 09:30:57 EST
"Blue Cross Blue Shield of New Jersey (BCBSNJ) Direct Access Plan - Cobra Extension Major Problem BCBSNJ is very slow at paying claims on Prescription Drugs. We are asked to pay in full at the pharmacy, and should be reimbursed by check for about 80% of the cost. The check arrives very late or not at all."
Commented on 2010-06-22 13:08:33 EST
" When you apply for medical insurance, they respond quickly, but When you want to cancel it, they put you on hold forever. It is typical way for bed company to operate buisness. USA needs single payor system."
Commented on 2010-05-13 08:40:32 EST
"january27 2009,my husband was admitted for emergency care to a hospital in Myrtle Beach.(we live in New Jersey.He was in distress and in serious condition due to a kidney stone blocking the uretha.He had excellent care.Our insurance company was notified as required,our manual tells us all emergency care will be covered.Without all the details suffice it to say that when released from the hospital,the doctor handling the case needed to see my husband in 3 weeks in order to remove a stint.(5 minute procedure)At no time were we notified that this required a referral????Why.It was known that he would need further attention.Not only that,through an agent,January,2010,we are told that the doctor should have gotten an "authorization". We have put in several appeals,even going toSHIP,who continue to work on the case,but we cannot get any official word as to WHY we are denied.In the meantime we have been put5 into collection...with interest charges.Our credit has been A1...so discouraged by the whole process. What a game this referral/authorization nonsense is.Once in care,why is there not an understanding of the care the doctor orders.In addition,no where in our manual is this spelled out. Asked if we would continue coverage with this company.We are not given much choice in our situation."
Commented on 2010-03-18 10:09:19 EST
"BC/BS (though the Fed govt) is excellent insurance. Covers everything, no surprises, I never talk to them--everything is taken care of."
Commented on 2010-02-12 13:41:06 EST
"My father is my provider. The paperwork to have me on his plan has to be re-sent monthly plus a two week waiting period before any sort of coverage occurs. I am unable to pick up prescriptions. All hospital bills are in limbo due to random termination of coverage that they later admit should not have occurred-- yet happens again the following month. This occurs consistently monthly since 2005."
Commented on 2010-02-04 18:00:44 EST
"Blue Cross of NC is extremely unfair to the patient and more so to the providers. They claim to be non-profit - however, they try to get out of paying claims consistently."
Commented on 2010-02-03 19:24:42 EST
"I have never had any problems with claims denied. They do raise my monthly rate $50 per year though each year."
Commented on 2010-01-26 13:25:58 EST
"accepted then denied claim because the doctors specialty was not covered under our plan even though the services he provided were."
Commented on 2009-12-22 12:04:21 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"
Commented on 2009-11-19 14:05:16 EST
"Nobody know what is going on, everybody tell different story. Recently customer support people do not sound happy."
Commented on 2009-11-09 10:31:43 EST
"they are a criminal racket"
Commented on 2009-11-02 20:06:00 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!!! "
Commented on 2009-10-29 14:36:12 EST
"Great paperwork, fast payment, fair on claim payment. They are by far the best group health insurance I have ever had."
Commented on 2009-10-25 22:12:57 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."
Commented on 2009-10-22 16:48:25 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!!!"
Commented on 2009-10-09 12:25:15 EST
"blue shield is bad news"
Commented on 2009-09-15 17:40:34 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."
Commented on 2009-09-08 22:00:26 EST
"Rapacious greed toward self-employed (self-insurers) who never cost Anthem/Blue Cross a dime."
Commented on 2009-07-11 10:07:27 EST
"The coverage is good. The premiums are high"
Commented on 2009-07-01 09:20:53 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!"
Commented on 2009-06-23 20:18:24 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!"
Commented on 2009-06-12 12:23:53 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. "
Commented on 2009-06-11 13:45:06 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."
Commented on 2009-05-04 20:18:51 EST
"They are licensed mafia..thats it"
Commented on 2009-04-20 19:25:47 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."
Commented on 2009-03-18 12:24:29 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"
Commented on 2009-02-24 18:38:09 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."
Commented on 2009-01-26 12:50:01 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."
Commented on 2009-01-08 12:42:50 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."
Commented on 2009-01-06 08:26:57 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. "
Commented on 2008-12-07 17:31:28 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. "
Commented on 2008-12-06 01:35:50 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"
Commented on 2008-12-04 12:55:04 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."
Commented on 2008-11-01 23:09:42 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."
Commented on 2008-10-21 17:44:46 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. "
Commented on 2008-09-25 15:51:48 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."
Commented on 2008-09-19 18:16:24 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."
Commented on 2008-08-23 09:44:11 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. "
Commented on 2008-08-19 14:41:27 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."
Commented on 2008-07-21 15:35:16 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!!"
Commented on 2008-05-01 14:37:46 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. "
Commented on 2008-04-11 11:02:13 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. "
Commented on 2008-03-27 10:23:31 EST
"Pays for hardly anything yet raises it's cost every year..."
Commented on 2008-03-13 18:32:20 EST
"Regence Blue Cross Blue Shield is very easy to work with and alays helpful."
Commented on 2008-02-21 19:23:55 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"
Commented on 2008-02-15 16:34:53 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."
Commented on 2008-01-17 21:20:35 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"
Commented on 2007-10-15 13:56:31 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."
Commented on 2007-10-08 08:55:49 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"
Commented on 2007-09-19 10:38:03 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."
Commented on 2007-09-11 22:32:57 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."
Commented on 2007-08-07 11:05:38 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 "
Commented on 2007-04-14 10:51:58 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."
Commented on 2007-03-09 12:42:47 EST
"The cost is outrageous - 1/3 of my income plus deductibles and copay but they pay every claim and are easy to deal with"
Commented on 2007-02-16 15:37:38 EST
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