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Review: Anthem Blue Cross and 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. |
"Our health insurance policy with Anthem Blue Cross had an annual limit of only $300 for "diagnostic services". My wife's treatment for breast cancer consisted mostly of diagnostic services, which cost more than the surgeries and hospital stay. We were "out of pocket" $20,000 even though the policy supposedly had a $6,000 annual out of pocket limit. We feel the company deliberately crafted a policy to severely limit their liability, even for a serious illness such as ours. "
2007-10-19 22:30:07 EST
"Blue Cross has lost a number of doctors in the las vegas valley because of thier cut rate to the doctor. and thier lab provider is terrible"
2007-11-07 22:35:13 EST
"I am insured through my employer and don't have a choice or renewing. They use any excuse not to pay a claim meanwhile the premium has gone up every year. Premium is over $600 for family coverage and doesn't cover dental."
2008-01-06 09:43:47 EST
"Many doctors are no longer participating because of the poor payments. If I cannot find a good doctor that participates, why pay the premiums?????"
2008-01-06 19:19:15 EST
"Deny, deny, deny, need more information, excuses, excuses, excuses. In four months, only one claim has been paid. How can a company with a name like Blue Cross Blue Shield be allowed to operate with such underhanded business ethics, especially in a medical field. Their license to operate should be terminated. "
2008-02-06 05:01:29 EST
"Anthem is the worst possible "insurance" you can have & still be paying premiums. They deny claims without giving you any information--not even a code--& make you WRITE BY SNAIL MAIL to appeal a denied claim. Their obvious, fondest hope is that you'll give up & they'll keep their money.
Look on their site--they're obviously ashamed to even list their executive management. Or else the management are afraid they'll be contacted by actual, you know, "members". Or "victims", to be more accurate.
One reason I'm looking for a new job is so I can get real health insurance."
2008-02-18 15:02:18 EST
"Beware their high deductible plans, they MIGHT be satisfactory for those who have a decent savings account but are a complete disaster and ripoff for those who don't. I'm not so sure that you wouldn't be better off without insurance. With a $6000.00 deductible and a sizable monthly premium we can hardly afford to go to the doctor. I consider this insurance in name only, their executives should be ashamed of themselves."
2008-03-06 16:20:44 EST
"Blue Cross has rarely denied a claim for me, though the payments always fall far short of what I'd expect. My main complaint is how high my premiums are. I'm a 43 year-old male in good health with no major medical problems, and I'm paying $430 per month for a PPO with a $500 deductible! I tried to switch to a cheaper plan, but Blue Cross denied me, citing every line of the medical history I entered on my application. Apparently unless you neither have, nor have had, any medical problems, you don't qualify for insurance with these people."
2008-03-25 02:15:24 EST
"My husband had Anthem group coverage through his employer for 13 years. We started an individual family policy when he quit work and joined me in our family business. The high deductible plans are remotely affordable, but those plans don't cover much. Our premium increased in excess of $50/mo., even though our plan was "under-used.""
2008-03-31 22:56:46 EST
"I am a diabetic. I was turned down for an insulin pupm for what appeared to be non medical reasons. Trying to get through the bank of phones and prompts to talk to a real person almost has me thinking that this company does not want to talk to their paying customers. While I have no problem with a company making money, making it at the expense of their customers health is not acceptable. "
2008-04-08 12:53:01 EST
"HAVE TO HOLD FOR LONG PERIODS OF TIME W/CUSTOMER SERVICE, WHEN YOU DO GET THROUGH TO SOMEONE THEY EITHER HAVE NO CLUE OR DON'T SPEAK ENGLISH. SOME OF THE CLAIMS GET DENIED FOR NO REASON WHAT SO EVER, THEY JUST SAY COVERAGE TERMED, EVEN THOUGH IT HAS NOT."
2008-05-16 11:28:41 EST
"processing of a dental claim through Anthem took inumerable (lengthy) phone calls and multiple submisions by dentist's office - very unprofessional, antiquated systems which do not communicate with each other. Am used to poor customer service but this off the charts!"
2008-05-16 12:45:32 EST
"Their billing practices are ridiculous. I can't believe they're still in business. I purchased a six month policy from them and wanted to pay up-front with Discover. I gave my number to the agent and started receiving statements in the mail. I called my agent who promised to take care of it. Then she called me back and said that I had to be the one who called them with my Discover number, so I did. That paid for one month and I started receiving statements again AND they were charging my $10 per month for this honor. I called my agent and requested that she get the $10 monthly charge waived and find out my balance so I could write a check and be rid of them. My check sat in their mailroom for two weeks before processing it, so they cancelled my insurance. Rather than return my check, however, they cashed it and held onto it for two months "to make sure it cleared" AND "in case I wanted to get another policy from them." Seriously? I finally received the refund check a month ago and today I received a bill from them for THIRTY CENTS. I'm sure I'll have to pay it or they'll turn me over to a collections agency. It's too late for me, but save yourself and go elsewhere."
2008-05-31 11:01:23 EST
"Insurace company is terrible...Have no choice because I am ona group plan. If I had all the money to afford good Health care Insurance.It would not be with B/B shield. Terrible organization"
2008-07-23 17:45:51 EST
"Rates are OUTRAGEOUS! $991.00 per month with $4500.00 deductible PLUS $12,000.00 out of pocket annuallY, for only 2 people ages 43 and 50. PLus high co-pays of $300.00 per visit to general practice and $50.00 to specialist. EOB's are impossible to read and understand. Being ripped off with no alternatives found yet."
2008-07-20 17:24:00 EST
"Anthem is BC/BS's newest named health insurance company, but its still the same crap plans like all the other BC/BS plans.
Yeah, its cheaper and worse coverage as well.
This company was just forced to pay over $13 MILLION in lawsuits judgements against them in California. THey out to be investigated in EVERY other State as well!!! Stay away from this health ins. plan or you'll be sorry. If you file a claim they will try to find every way possible NOT to pay it!!!!"
2008-07-24 11:26:13 EST
"Where to start... Well, the latest fiasco is I've sent my claim in five times so far, and each time they have claimed they have received it, and each time I call in a couple weeks later to check the status and they have no idea what I'm talking about. Today, the rep I spoke with "promised" she would forward it to the claims department herself, and happily told me it should be processed within 60 days, from today... I have never had this much aggravation in my life about anything, they are terrible, and terrible customer service."
2008-07-30 13:15:16 EST
"Due to a recent hospitalization, the fees for hospital services and physican services were more than I expected. The office visits are based on a co-pay which is fine. "
2008-08-10 20:34:31 EST
"I really love my anthem blue cross plan. I get it through a group and would never have anything else. i get quality customer service and my claims are always paid in a timley manner. it sounds like other people have problems with it, but I have never once had any problems with mine. Much better then alternative, UHC"
2008-08-13 08:04:27 EST
"I am supposed to regularly have and MRI every 6 months of my abdomen to ensure my cancer does not grow back. However, my claim was rejected where the doctor said this was not "medically necessary". Let me guess, you are also going to deny me treatment when my cancer grows back and requires additional care because it was not detected early? How is it that my MRI was approved after my surgery and is now not necessary? Oh I'm sorry, it is just business right? Becuase Anthem has a responsibility to add to the bottom line vs. providing adequate medical care? or is the explanation that you are just trying to monitor costs so the pricing of the group plan does not increase? What is the deal here? I love the business model, collect premiums and then try to limit what actually gets paid out. "
2008-08-25 13:39:58 EST
"I would never recommend Anthem BC/BS to anyone. Everytime I have needed pre authorization for a hospital stay they deny my claim stating it is MEDICALLY UNNECESSARY. I don't believe they would say that if it were their family member needing an operation. You pay your premium every month and when you need them....where are they? When given the chance to change companies believe me I WILL. "
2008-09-10 13:10:34 EST
"I've never had a problem with Anthem other than the skyrocketing rates. We have a $2400 deductible HSA with 100% paid after our ded. And let me tell you, they PAY every dime after the ded. is met. I'd love to stay with them but the rates are too high for me, but the coverage is amazing!!!"
2008-10-23 09:10:32 EST
"We have Anthem Lumenos Health Insurance. To me, it isn't an insurance, it's a Health Savings Account. That means we are picking up the tab for most of our own health care. Coming up with 2,400 yearly to pay our deductible is tough. We find ourselves putting off necessary health care to avoid a bill. I'm looking to getting another job with better health care."
2008-10-24 10:48:49 EST
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