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Blue Cross Blue Shield of Florida Review

Blue Cross Blue Shield of Florida Customer 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 only complaint that I have is that when I called the 800 for Obamacare to enroll I asked for a policy with low MRI copay was sold my policy and it was a 380 monthly premium before any assistance and I was told 75 MRI w Dr recommendation. Well first bcbs told me I needed the MRI pre authorized only after policy had taken affect AND I finally got them to tell me it was authorized THEN at my appt I called to validate my copay and was told she saw note where I was told it was auth but it was in error my Dr had to submit more forms I need to pay another 20 to see Dr to get auth. I'm sure if I were an attorney I could force their hand because they told me it was authorized AND sold my policy on "75 MRI" with no mention of pre auth. On better note I must say that I've found that ppl saying their obamacare bcbs policy is horrible or limits them experience such because they chose to buy a cheap plan premium. If they wanted a policy where they can see any doctor they want have low to no copays or deductibles they could have since obamacare gives assistance regardless of how crappy or nice the policy-they just got what they paid for. Just like buying a policy on ur own only obamacare pays a % of monthly premium if u qualify. "
Commented on 2014-11-22 23:55:05 EST
"some higher ups play God and deny your claim for medical procedures"
Commented on 2014-11-19 23:58:07 EST
"We have been with BCBS for several years with my employer and when I took early retirement and moved to FL we looked to Florida Blue for our health insurance needs. I am a kidney transplant recipient with extremely high dollar prescriptions. My wife has had two sets of diagnostic mammograms at no cost to us. They never once balked at paying for these drugs or any other covered service. The claims folks have always been pleasant and very helpful. Most claims were resolved in less than two weeks.The only reason we would switch coverage if if we could find an equal for much much less total cost."
Commented on 2014-11-19 13:01:28 EST
"My son has hepatitis C and the company originally approved the new medication which offers a cure. Then after much delay and claiming the gastroenterologist did not submit the proper forms they finally admitted he did... Then they denied the claim."
Commented on 2014-11-13 13:15:24 EST
"We contacted Florida Blue regarding rehab for our daughter. We were told it wasn't covered. We had met the high deductible already. When we called back to learn our options we were told they would cover certain programs and gave us the actual names of a couple in the area. We made arrangements and she entered one of the programs. Three days later they changed their mind and said they would not cover it because they didn't think she really needed rehab. I consider this to be dishonest and unethical. When our daughter discovered we would have to pay the entire amount out of pocket she freaked and ran away the next day out of guilt. We now have to pay a pro-rated amount PLUS a 5000 penalty to the program. Side note we have no idea where our daughter is at this time. "
Commented on 2014-11-10 09:50:40 EST
"they have absolutely no idea what they are doing. can't quote correct copays for medical services or prescriptions. they deny claims for any reason they can make up and can't explain why."
Commented on 2014-10-24 12:29:30 EST
"If you live in Lee County Florida you don't want this insurance. The only emergency ambulance service that is considered "in-network" is almost 70 miles away. So of course if you dial 411 you WON'T get the in-network provider. I am going to have to pay about 400 for ambulance service because I called 911 after breaking my hip. And to think I was actually considering using this company's Medicare Advantage plan when I turn 65 in December....NOT A CHANCE"
Commented on 2014-09-09 11:58:05 EST
"I began coverage in 02/2014 with BCBSFL. Used their website to locate a Dr. who told me after several visits that he did not take my insurance leaving me with several thousand dollars of bills. I made payments for February March April and discovered in April when I went to refill my insulin prescription that my insurance had been cancelled on March 31. I contacted BCBSFL to discover that yes my policy had been cancelled for non payment in April. I explained that sent April's payment and they discovered that I had so they stated that they would send me a refund for that payment. Several weeks went by and I received no payment no calls from BCBSFL still no letter stating that I had been cancelled. I contacted the marketplace and was advised that I had been terminated wrongly by BCBSFL so they did a review and I was told my insurance would be reinstated. I spoke again to BCBSFL who was not contacting me mind you and was advised that yes my insurance was reinstated. So back to the website to find a doctor. The address of the office was incorrect on the website and then when I did locate it across town from where it was listed I was advised that my insurance card was inactive. I contacted BCBSFL and they verified that yes my insurance was inactive due to bills I owed for the months that they had cancelled my insurance. WHAT??? I was cancelled and had no coverage at all how can you possibly charge me for a service that you were not providing? Terrible bad horrible experience. I will never deal with them again and would strongly recommend others not do business with them either. "
Commented on 2014-08-05 15:07:07 EST
"we have bcbs through the hospital where my wife works. we used to have united health care and never had a complaint. with bcbs our premiums are higher and so are the deductibles and copay's it's like we are paying premiums for catastrophic coverage because even with the premium plan we still paying huge out of pocket deductibles that you could find the products you need outside of the insurance plans providers.... what is the point. like I said the only way there insurance works is if you had to go to the hospital for something catastrophic but I'm assuming that they would even cover you. you probably would have to fight them all the way to the grave. "
Commented on 2014-08-04 14:43:13 EST
"Because the company has internal computer issues could not give surgeon benefits info for husband's knee surgery. Called company 5 times was on phone for one call from 915 to 1140 and still no resolution. Have been with this company for 12 years and now that AFCA has passed they are having to aline their computers with governments we are having so many problems. They tell you that it is an internal problem and leave the policy holder swinging in the wind because of their issues and cannot tell you when they will be resolved as they continue to pull premiums from your account . My husband's surgery was cancelled and they told me to be patient and it will eventually be resolved. Patiently we await the service we have paid for and they admit we are entitled to as my husband's knee continues to swell and fill with blood and fluids making it difficult to ambulate much less work and provide for the premium that Blue Cross is so quick to withdraw from our account on a monthly basis. Plus can't talk to the side "Diamond Care Consultants" that is so screwed up nor are they interested in walking this claim through for the customer. One side of company does not communicate with the other and I continue to seek resolution all the while being blocked out of the conversation by the side that has the problem You pay but are not allowed to speak with the side that is causing the problem on when a resolution would be forthcoming . I have been in business for 35 years and would be quickly out of business if I treated my client in the manner that I have been treated as an independent purchaser of this product."
Commented on 2014-07-17 08:25:16 EST
"Avoid this insurance company at all costs."
Commented on 2014-03-25 12:12:00 EST
"DENY DENY DENY UNTIL THEY GIVE UP OR DIE.My parents had BCBS insurance when I was growing up in the 70's so I chose it thinking it would be good now. Was I wrong My knee started hurting last week and swelled up like there was a baseball coming out the back. I can hardly walk. I went to an urgent care that is on their approved providers list and got an order for an MRI. I set up an appointment for a week later. The afternoon prior to the test the MRI place called and said that BCBS would not approve it. I called and was put on hold for 43 minutes and 54 seconds. Then the claims person stated that I needed to call the doctor who wrote the order to call the claims dept. to provide a 'clinical picture' of why I need the MRI. Are you serious? Is this how I they treat people? So they were going to just not approve the test indefinitely waiting for me to GUESS that I needed to notify the doctor to call them? You think they could have called the doctor about this? No because they plan on never paying for the test After reading reviews from several sites I realize that they will not pay for anything I need. That they will just deny deny deny until I give up or die. They have the worst customer service I have ever experienced. Now I am stuck with them until open enrollment in November. If only I had read some reviews before choosing BCBS for my health insurance. I am now in a very difficult situation. I am a traveling nurse and work 12 hour shifts on my feet. Right before this happened I signed a contract to work for 13 weeks. On top of not getting paid for shifts I call out on I also get fined 250. I need this MRI. BCBS is the worst company and the people who work there are sociopaths. They care ONLY for the bottom line. They care NOTHING for the people who are their customers. I truly believe that their motto is to 'deny deny deny until they give up or die' like in the book 'The Rainmaker' by Grisham. Health Care reform needs to have a center to which people can complain. I know that it's all new but they need to consider this. "
Commented on 2014-01-29 03:21:09 EST
"Should be sued for insurance fraud....."
Commented on 2013-07-30 12:28:10 EST
"Our sales agent lied to us and said something would be covered when it wasn't. Now they denied payment on the claim. Don't get this insurance company. They have been less than helpful in resolving my complaint. In fact they have done nothing but give us the brush off."
Commented on 2013-05-15 15:39:40 EST
"Inept."
Commented on 2013-04-27 10:20:59 EST
"They are such a poor insurance company that I need to generic stomach pills a day and they will only pay for one. I have a pre cancerous esophagus and should be on Aciphex but they will not pay for that at all. What really stinks is that the pharmacy filled my pills for two a day and now I'm too weeks short on the meds. When this happens I have to go to the emergency room due to the damage it causes. If this was not a employer-sponsored health plan I would definitely not keep it."
Commented on 2013-04-07 12:54:06 EST
"Refused to pay for a mammogram. This is something every women insurance or not is able to have provided to them. Would have been better off with no insurance "
Commented on 2013-03-04 13:19:04 EST
"Unfortunately I do not have a choice of health insurance providers as my employer has a contract with Florida Blue. The list of doctors in their network is very limited and those doctors are substandard. The copayments and premiums are way too high for what are paying for which is unacceptable medical "care"."
Commented on 2013-02-21 07:23:36 EST
"I was admitted into a IN NETWORK PARTICIPATING hospital only to find that I am being charged 698.00 for labwork that is not covered because the MD who oversees the lab in not in network at A NETWORK PARTICIPATING HOSPITAL. I dont see how you can do that. "
Commented on 2013-02-15 08:33:37 EST
"I had to have 5 stents placed in my heart arterys. This was done on two seperate hospital overnight stays. a fews days after I was experincing chest pains and went to the ER. The ER doctor talked to the cardiologist and even though they could tell I was not having a heart attack they wanted to admitt me due to unstable angina. BCBS of Florida is denying that 3rd hospital admission stating it was not medically nessesary. My Cardiologist felt it was So why does BCBS of Florida get to say it was not. I have hired an attorney to file an appeal and I will sue them if I have to. "
Commented on 2013-02-07 11:12:24 EST
"Make sure you do not need to use coverage or have contact the claims department. It takes forever to talk to someone and then you get a different answer from everyone you talk to Very disappointed."
Commented on 2013-01-02 13:27:48 EST
"I have no choice but to stick with them because I am labled pre existing."
Commented on 2012-08-22 18:25:32 EST
"Just had a 25% increase in my premium. I attempted to change things around and all I heard is how sorry they are for raising the premiums."
Commented on 2012-05-17 10:32:21 EST
"Their customer service reps do not know their own policies. If you talk to one person one day you get one answer. If you follow up with an additional call you get another person and they tell you something else...and so on. In the end you have been on the phone with them for months with no follow-up and then they side with the doctors office and you do not get reimbursed for your bill. I think they are in cohoots with each other. Really to get billed for 11000 for a 30 minute procedure? SCAM"
Commented on 2012-04-27 06:19:10 EST
"They are impossible to reach or get an answer. "
Commented on 2011-12-19 09:18:08 EST
"on hold for over 10 minutes "
Commented on 2011-10-06 07:37:21 EST
"They keep promising to send a refund for mistaken premium charge. Still waiting, and waiting! This is criminal behavior."
Commented on 2011-05-14 10:43:25 EST
"Not enough providers in some areas! Found out that Blue Cross is refusing to add new providers. Both my psychiatrist and therapist (great reputations and service) were continually denied becoming providers. Both were told that they will not accept a new provider until someone drops off the list! When I went through the advanced search in my area looking for a provider that dealt with PTSD, there was NOONE for over 10 miles!!! When I just did a search with long-range distances, 4 doctors showed up and one was 150 miles away!!!! Both my providers are within that area. I have to pay cash to see my providers now. Yet another way that insurance companies put out glitzy websites and information making it look like they have alot of providers, but do not. Even the ones that were on the list and were over 10 miles said they were not taking my insurance anymore, but the company told me they were!!!! My insurance is useless."
Commented on 2011-05-06 20:43:59 EST
"Poor service right from the get go ...enrollment. Enrolled at a BC Center , dealt with a BC Mgr ...Lost application , reapplied , due to their internal loss of the application assigned me to lapse in coverage. Eventualy recinded lapse in coverage due to internal error. 6 months later they tried to shake me down for the 1 month lapse in cover despite the fact that they did not insure me for that month. Was on their bill pay program , they are untrustworthy , they went into my bank account 5 months later and took the January payment...despite the fact that due to their error they allowed the policy to lapse in January and only provided me with cover starting in February 2011,how dare they take funds out of my bank account withourt notice...this speaks reams on the absence of ethics and common decency.Buyer beware in dealing with BC Florida. "
Commented on 2011-05-06 07:41:40 EST
"Misleading billing practices - BC/BS is very unclear about client responsibility versus company responsibility. The booklets say one thing while the actual billing results in client bearing a greater share of expense than led to believe. We do not have a choice or the ability to change companies. "
Commented on 2011-03-14 14:39:00 EST
"Avoid at all costs!"
Commented on 2011-01-18 04:52:39 EST
"Not responsive - Never know what will be paid or not paid. "
Commented on 2010-10-21 10:13:23 EST
"I am 56 and had a colonoscopy 3 years ago, and recently received a letter urging me to come in to discuss a followup "routine preventive colonoscopy." Supposedly it would cost nothing as it was a "preventive procedure" which Blue Cross Blue Shield in their marketing materials trumpets as "no cost" no deductible or co pay. Now I know what the BS in BC BS really stands for, after my colonoscopy, they said that because benign polyps were removed, they no longer considered it a "preventive procedure" and I had to pay a $2,000 deductible. I am appealling the decision, lawsuit possibly to follow under ERISA in Federal Court."
Commented on 2010-10-13 07:41:44 EST
"I hate them."
Commented on 2010-09-30 15:03:48 EST
"My husband needs an MRI and you use NIA to say whether he can or not. Can you not do your own pre-certification any more. Why does everything have to be out sourced now? Also they have refused this procedure because wording did not meet their guidelines. When is severe and constant pain, limited range of motion medication useless, physical therapy useless and still no help!!!"
Commented on 2010-09-26 20:42:21 EST
"I have had to resubmit more than 50% of the claims from my family because they were denied even though they should have been (and eventually were) paid. One claim I spent more than 60 hours on the phone trying to get processed. Thankfully my company has a liaison who has helped us navigate the system and advocate for us to have our claims paid. "
Commented on 2010-08-27 13:53:37 EST
"blue cross and blue shield of Florida have the worse customer service I have ever experienced. Their claims are denied without a good reason. They are a very bad company to deal with."
Commented on 2010-08-18 06:37:09 EST
"I work for the State of Florida, but I am paying too much out of pocket. I am borrowing money for routine screenings because of the high out of pocket costs. I am considering an HMO. "
Commented on 2010-08-05 12:14:13 EST
"The Sales staff lies about whatever they need to in order to get the sale. BCBS of FL does not stand behind their independent sales people or the product they sold. Becareful what the sales people tell you."
Commented on 2010-08-02 10:25:00 EST
"I realize that due to my pre-existing conditions I cost the company a lot of money. However, that is the risk they took when I became a member. As someone else noted the idea of them being non-profit is a joke. If I could change insurance I probably would. As others have stated they continually raise rates and try to limit the amount of certain medical items you need. The appeals process is burdensome and has to be done every year. "
Commented on 2010-06-15 09:33:39 EST
"does not respond to appeals, took over a year to receive pre-authorization for covered treatment, does not provide documentation promised, refuses to provide cost of treatment in advance despite being provided with diagnosis codes and requests from doctors in writing, and raises rates regularly though does not provide almost any services... good for use in urgent care facility and some diagnostic procedures. "
Commented on 2010-06-03 08:33:23 EST
"BCBS is expensive but the network is excellent and accepted all over SW Florida."
Commented on 2009-10-13 13:03:23 EST
"Prescription coverage of brands is a fraud. Virtually every brand name medication is on one of their restricted lists. They make the prescription decisions for you not your doctor. I have had every single claim for one of my brand name medications rejected. Totally useless and fraudulent to claim that they cover brands at all."
Commented on 2009-09-17 07:26:20 EST
"BC/BS of Florida is now saying they paid claims in error more than 3 years ago and is trying to get me to pay them back the claims they authorized and paid for. Unbelievable! Avoid this greedy, slippery corporation. They have the nerve to say they are a non-profit organization. Ha! Yeah, right. They have a license to steal from people. We must have health care reform that is not controlled by Big Insurance."
Commented on 2009-08-17 10:05:45 EST
"This is a rip-off company who makes you get PRIOR APPROVAL, if you have a heart attack! They do not pay ambulance bills or emergencies without PRIOR APPROVAl! The state insurance commissioner needs to shut this scam company down as they have a million clauses not to pay! They must be rolling in dough!"
Commented on 2009-08-13 08:12:43 EST
"They are holding down cost by transferring all the cost to me with my $6K deductible. They hace no claims expense for me until I exceed $6K."
Commented on 2009-07-25 18:49:56 EST
"BCBS has changed the policy several times & now is hitting us with another rate increase. It is ridiculous to have to rely on insurance companies that may or may not pay out when you need an operation."
Commented on 2009-07-20 10:06:21 EST
"I was sucked in by a low rate about 2 yrs ago. My rate has now DOUBLED and my coverage is less and my deductible tripled. Unscrupulous especially during a recession! "
Commented on 2009-06-30 11:02:00 EST
"This company continually rejects claims for various reasons until you contact either the head of the claims department or higher. I don't know if this is a company policy in Florida so that older people will just pay the claim themselves rather than having to deal with the claims representatives.I am going thru this ordeal today.After thinking I had taken care of a claim from November 08 I went to my doctor today and was told BCBS had not paid them from my november appointment!!! GIVE ME A BREAK!!!!!!!!!!!!!"
Commented on 2009-05-05 10:55:57 EST
"This company tries to practice medicine instead of insurance. Tries to tell doctors what drugs to use, delays in review proccess to the point of putting health at risk. "
Commented on 2009-05-03 15:38:41 EST
"Tore my ACL, had surgery, they paid. As is should be. Never even had to talk to anyone in customer service. "
Commented on 2009-01-08 12:51:27 EST
"All claims have been paid accurately and quickly. No problems here."
Commented on 2008-09-22 09:01:54 EST
"Stay far, far away from these Con-Artists. "
Commented on 2008-09-22 06:54:15 EST
"Very deceptive in processing claims and trying to avoid their responsibility. I did eventually get BCBS to pay the claims after a written appeal but they never even directly acknowledged the appeal or explained why they had repeatedly refused to pay the claims."
Commented on 2008-09-19 11:36:23 EST
"I'm very disappointed lately in the service, or lack thereof, as well as constant rate increases and little coverage."
Commented on 2008-09-09 16:47:47 EST
"only for the wealthy"
Commented on 2008-07-18 12:13:17 EST
"Insurance through workplace so no choice of carriers. So-called "covered" routine procedures are not covered if physician codes improperly or changes code due to change during procedure. Doctors and insurance co. do not warn of these possible "code" changes. Two recent "covered" procedures, annual physical and colonoscopy, ended up costing me about $1000 out of pocket."
Commented on 2008-06-13 08:07:29 EST
"BCBS of Florida refuses to pay for items that have been covered by BCBS of Indiana for 25 years. I require oxygen at night, or I stop breathing. My job requires me to travel frequently. BCBSFL will not pay for portable oxygen, they consider it a "convienience" Just horrible!"
Commented on 2008-04-11 22:41:32 EST
"BCBSFL has the worst customer service EVER! They are completely unhelpful. I called prior to my yearly gyn visit to double check the cost of the appointment (since it seems their plans are always being updated), was quoted one price and then got billed for another. When I called to inquire why this happened, they were totally unfriendly and completely unhelpful! Would not recommend. BTW this is the ONLY time I went to the doctor all year after paying $200 a month, they can't even provide a correct cost estimate for my yearly gyn appointment!"
Commented on 2008-04-08 09:18:12 EST
"Very unfriendly. Unpolite reps and they never have any information. VERY UNSATISFIED"
Commented on 2007-12-26 10:32:25 EST
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