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Blue Cross Blue Shield Review

Blue Cross Blue Shield 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.

"Horrible limited list of Drs...who are not even in our area. No office to call for appt. Just a call center. Wait time for appt approx 1 month. Very few English speaking. Rude incompetent Dr when you do finally get to see one. Never Again Florida Blue"
Commented on 2019-09-13 08:03:32 EST
"Impossible to reach by email. System does not recognize my member ID. They refused to repay me when I went over 1000.00 in out of pocket last year and they still owe a provider."
Commented on 2019-06-21 08:56:26 EST
"It would be nice if they could answer the phone. LONG LONG wait times"
Commented on 2019-06-10 13:46:18 EST
"If you have BCBS Blue Advantage HMO via Obamacare ... FORGET IT The customer service number on the back of the card routes you to .. yup .. The Philippines .. we have been trying to order my husbands 33 years being type 1 diabetic supplies sine January and to this date we have received ZERO orders. No testing supplies, no insulin pump supplies, no CGM supplies... NOTTA Nothing.. NO KIDDING every hoop you can think of we have been jumping thru and hours and hours of being in the phone. They are making our primary doctor, our diabetic supplier, our endocrinologist.. EVERYONE SUFFER THRU CRAZY DEMANDS ... and still no supplies .. his CGM sensors completely out and about out of all other things. Waking up with bottomed our low sugars since the CGM is not operational.. CAN YOU SAY LAWSUIT I am ready to go there "
Commented on 2019-03-04 20:12:40 EST
"I pay over 2,500.00 per month for my husband and I. We are small business owners and used to have great insurance before Obama Care. Now we spend most of our time trying to find a new PCP because the old one has left the network. Can never get the care we need. I am having to travel out of my city now to a doctor because there are none in my city now that takes BCBS of Texas. They are greedy pigs."
Commented on 2019-03-04 14:18:54 EST
"My plan renewed 1119. I tried to get a prescription for Adderall XR, and would told I would need to pay half the cost 116.50 because I had a deductible. Very large, very unacceptable change from last year and I will be seeking another carrier."
Commented on 2019-01-22 10:39:34 EST
"Blue Cross Blue Shield of Michigan claims to help people promote health and peace of mind. Their actions are to the contrary. They classified a medical procedure as investigory to avoid helping me heal. The appeals process is extremely cumbersome to there advantage and doctors are tired of the process that yield no approvals so they dont help the patient. The system is extremely flawed. They take your 15k premium for decades but the time you need insurance they are not there. Regulators please do something to protect your constituents"
Commented on 2019-01-17 11:36:01 EST
"Scam artists"
Commented on 2019-01-16 15:06:44 EST
"You pay, and pay year after year. Sounds like I have insurance doesnt it. Then one day youre doctor orders a ct scan and blue cross blue shield rejects it, telling you you need to be in pain for at least 12 weeks before you can have this procedure."
Commented on 2018-12-29 12:00:55 EST
"The absolute worst health care you can have. We pay over 12000 a year and yet everytime we need to use them for Dr visits perscriptions or procedures we get denied. Just HORRIBLE"
Commented on 2018-11-01 13:53:17 EST
"I work for blue crossblue shield of Illinois, so I can't change insurance companies. I needed a surgery, which at first they denied due to not using a Blue Advantage Provider, then they finally precerted the surgery. This is after my doctor asked to to find a different hospital and provider. which was all unnecessary, but this is my insurance's fault. Then after I had they surgery, they have denied my claim for medical records, when I have a precert number. Just think, if I have this much problem, can you imagine what the regular person runs into"
Commented on 2018-05-22 11:25:33 EST
"JUMPING THROUGH HOOPS AND REDTAPE Cancer Patient 9 years, yes I have cost them much. Standard treatment - constant re-approvals for medication, when I get a prescription approval then I have to get an approval for injection, ridiculous My Primary Care Physician who I have went to for over 10 years in 2017 was not going to take their proposed rate cut and BCBS kicked him off their system. Now out of network. Prescription medicine plan is why I stay with them."
Commented on 2018-05-08 10:09:43 EST
"If you call customer service, be prepared to be given different responses from different reps. Do not trust the info you are given over the phone nor any info you gain from their web site. You might as well have no insurance than try to get BSBC to cover a physician you would like to see in your local area."
Commented on 2018-04-05 08:25:08 EST
"So far, slow to reimburse expense for oxygen unit - minus my 20% - waiting to see"
Commented on 2018-03-27 09:22:25 EST
"This is the worst insurance ever and Im going to give customer service a 0 their customer service ie teriible I would never ever recommend this company to anyone How can this be so bad "
Commented on 2018-03-05 12:19:39 EST
"Called for support and was told, we are busy we'll call you back."
Commented on 2018-02-08 13:58:37 EST
"Refuses to pay cancer screenings even though Texas law requires it. 3 months after filing a review still no answer."
Commented on 2018-01-29 10:11:08 EST
"No problems with them so far. All my problems stem from dealing with healthcare, specifically hospitals, and their beaurocracy. Have the HMO600Gold. However all the HMO's are being discontinued so I have to switch to an epo plan and thus have to reapply. I am terrified they will deny my application because I have a serious chronic illness, even though with the ACA they are not supposed to."
Commented on 2017-11-18 22:28:24 EST
"Their logic when denying a claim is not logical"
Commented on 2017-09-12 08:40:28 EST
"I spend 2 to 3 hours a day on the phone with the insurance company correcting errors that they make. Most of their people are incompetent and unable to do their job. When you ask to talk to supervisor they tell you it will be 24 to 48 hours before one called you back. They are constantly making errors on how much we have spent towards deductibles and lifetime benefits requiring me to get on the phone with them every day and correct their errors. Nothing is done fast with this company I've learned to get anything done in the medical field we just go to the ER."
Commented on 2017-08-28 21:46:36 EST
"highmark BCBS PPO Denied 3 claims from my doctor cause they are no longer in network. sent me a long list of Doctors that they claim were in network. spent four hours trying to get a Doctor from their list to except the insurance. all said, would love to be in the network but BCBS did not renew them. Why are they sending bogus lists of doctors that are not in their network scammers Run from this company"
Commented on 2017-08-16 12:40:43 EST
"Family deductible is changed from year to year without notification"
Commented on 2017-08-03 10:29:29 EST
"I have employer sponsored BCBS AL health insurance, I was injured in an auto accident and had to have neck surgery, all bills pertaining to the auto accident were paid at a negotiated rate even test at the hospital where I had my surgery. When I got the hospital bill it was 90K and it took BCBS over 4 months to pay and they paid the hospital at 100% with no negotiated rates which I have never seen. BCBS was advised of my settlement and 3 days later is when they decided to finally pay the bill. Of course I had to pay them back out of my settlement but could not get an explanation as to why there was no negotiated rate taken, my attorney couldn't get an answer just a run around. I had to cave because I need to use my medical benefit for continued care. This was my third neck surgery in 2 years and had BCBS for the first and they paid the same hospital 17K out of a 44K bill. The second surgery was also due to an auto accident and had UHC and they also paid approximately 20K or a 44K bill. BCBS is a rip off and if this was not employer sponsored insurance I would find someone else, they are a rip off."
Commented on 2017-07-24 11:45:49 EST
"Why are there so many negative comments about this company"
Commented on 2017-07-09 12:50:38 EST
"Please beware that BCBS INSURANCE does NOT care about your children they care more about money They are no longer part of Childrens Hospital due to their own selfish greed, I called them and asked them just how much my child's life was worth, evidently nothing as they have proved by letting these children and their families down. I urge you to take action against them for the sake of these young innocent victims. Please start a petition on and or Move Let's fight for these precious children and hold these money loving bulliesmonsters accountable.My promise is to fight for EVERY child not just my own, will you please help us."
Commented on 2017-06-29 11:33:14 EST
"Getting a mistake corrected and dealing with their bureaucracy is maddening. It's 5 months and still going, without resolution, for THEIR mistake."
Commented on 2017-06-27 09:59:04 EST
"Been trying to get reimbursed for about 7mths now and they keep giving me the run around..First I needed a bunch of info from the Dr so once I got it they said they had no way to put the claim in and gave me an address for Chicago ..I sent all the info in and still no check..This company is a jokeThey will lie and come up with anything they can to not have to write a check out to you ..My employer pays 287 a week and I can't get a check for alittle over 1000 and have been employed at my work place for 11 years"
Commented on 2017-06-23 10:01:16 EST
"We are very satisfied with Michigan Blue coss and blue shield of Michigan . they are very helpful when ever we have a problem and called them. We can't say enough good thing about Mi blue cross blue shield."
Commented on 2017-06-19 10:22:51 EST
"Blue cross of ma.51yrs never had a problem"
Commented on 2017-06-18 09:49:46 EST
"They refuse to pay for medication for Hepatitis C even when the policy lists the exact drug as being covered. They deny all appeals to the decision."
Commented on 2017-06-16 21:12:25 EST
"I was informed by phone that my procedure qualified and I was in network by both insurance and the hospital itself. 3 months later and 500.00 into the procedure I was told last week I need pre-auth, but it is covered. Today I was told my plan shows that clinic is out of network. I don't blame the reps. I blame the company for either improperly educating or monitoring the reps. You can only get answers from managers and no one cares that you are paying for misinformation and false promises."
Commented on 2017-06-02 11:38:31 EST
"cannot find a doctor who accepts the plan obama exchange"
Commented on 2017-04-06 23:46:18 EST
"Extreme price increases on my policy in last 5 yrs been with them 15 yrs Started out 750 for family of 4 and now just me alone it's 803. I'm healthy but just turned 60 so it seems they're trying to get rid of me before age related problems. Over the years they haven't covered things that should have been covered."
Commented on 2017-04-06 18:47:43 EST
"They said they would cover my back operation then came back a day later and said no it's experimental even though it's not that I couldn't get anybody on the phone the rebuttal that with and my operation got cancelled and I still can't walk while I'm still paying for insurance how are they in control of my needs"
Commented on 2017-03-14 22:32:44 EST
"Had double billing problems and members of my plan being mysteriously dropped for no reason. Even after hours on the phone it is impossible to get anything resolved."
Commented on 2017-03-13 13:42:20 EST
"I had signed up for a new health insurance company that was NOT blue cross blue shield thru Obamacare for 2017, and spoke to someone at BCBS and let them know I was not renewing with them back in Nov 2016. They automatically took out Jan2017 premium of nearly 300. after I had cancelled them in 2016. I've been on the phone with them, and also Fl insurance commissioner's office....only got a partial check back, still waiting for the balance of what they took out of my checking account and here it is March, when this happened Jan 1, 2017 Never get BCBS...they are nothing but trouble"
Commented on 2017-03-06 09:47:20 EST
"Rip off company. Removes money from your account without authorization. Three times in one month......crooks , crooked , rip off artist............BEWARE .......BEWARE..........BEWARE"
Commented on 2017-03-02 10:52:09 EST
"Customer Service Friendly but appear to have their hands tied. Repeated calls yet company response is abysmal."
Commented on 2017-02-28 13:19:47 EST
"Horrible experience I've been dealing with Florida Blue for about 5 months and have had nothing but hassles They dropped our coverage unexpectedly never sent a paper bill never sent emails for 3 months spoken with unhelpful, confusing, rude representatives who provide completely mixed information and some who hardly speak English and don't understand me been placed on hold for half an hour or more and placed several calls for consecutive days been given incorrect information about my premium and payment information had to repeat my debit card and address information 4 times to a rep. In a foreign call center before he could take my payment, which ended up being a different amount than what was actually withdrawn didn't get my member ID cards for several months and had to request them 5 times my coverage was active and my son's was inactive for months for some reason, even though we are on the same policy the list goes on It is beyond ridiculous One representative couldn't explain what was happening with my account. He said he didn't understand it himself. Avoid Florida Blue if you can"
Commented on 2017-02-17 19:24:07 EST
"We purchased a low cost HMO after being told they had a very comprehensive list of Primary care givers. Several where in our area and of good reputation or reviews. Turns out the list was bogus, calling Doctors offices we where told hundreds of people make the same calls and the information is old and no we do not take the plan. The primary care office they gave us was for a local High School's medical clinic. What a joke. When speaking to customer service about the poor information we where emailed the current list, I only made calls to the first three Dr's to hear the same story, very old information, they do not take that plan. One group had never heard of the doctor listed. One receptionist told me she had more than 100 similar calls."
Commented on 2017-02-16 19:18:09 EST
"I cancelled them last November, and received a cancellation notice from BCBS, yet they had the gall to automatically take out Jan2017 premium out of my checking account at the end of Dec2016. Still have not had it reimbursed and here it is mid February2017. What does it take I've already got the Florida Insurance Commissioner's office involved to get my money back. I will never deal with these people again, do not get Blue Cross Blue Shield of Florida....they don't know what they are doing."
Commented on 2017-02-15 11:09:55 EST
"After years of phyical therapy, injections, acupuncture, massage therapy, traction and 3 surgeons in their network recommended lumbar fusion. BCBS.IL won't pay claim."
Commented on 2017-02-15 11:02:08 EST
"Delay Delay and very poor service and follow up. I have spent many hours and several visits to one of their offices and still can not get the problem they created solved. I have filed a complaint with the Florida insurance commission and am waiting for a reply from Florida Blue."
Commented on 2017-02-08 10:36:19 EST
"I've had BCBS for years, but decided to cancel them for 2017 under Obamacare, because they were too expensive. I cancelled with them mid November of 2016. Signed up for Ambetter. Do you know they had the nerve to renew me for 2017 and automatically took the Jan2017 premium right out of my bank account This is after they sent me a letter in November2016 that told me they received my cancellation notice for 2016. I will never insure my health with them again. United Healthcare, here I come."
Commented on 2017-02-02 11:31:29 EST
"Insurance does not cover anything if i did not have to buy it as a requirement from my employer i would keep my money sc state insurance is usless"
Commented on 2017-01-11 05:55:59 EST
"They have many errors in their system. I am receiving bills that I do not owe because they destroyed my max out of pocket info for 2016. It is now 2017. they have not remedied errors back as far as 92016. I will be sent to collections soon. Just pathetic. The area doctors of which there are many here in this area of Florida DO NOT WANT PCP responsibilities it seems. I am on my 3rd PCP in 1 year. They just get away from Florida Blue. Wonder Why."
Commented on 2017-01-07 19:01:59 EST
"Their favorite word, Denied"
Commented on 2017-01-06 06:24:10 EST
"They are nearly impossible to contact. If you finally talk to someone after very long wait times I want to cancel they say they will call you back but don't. They must have only about a total of 5 employees. I've begged them to cancel my account and stop accessing my bank for automatic payments. I have their supplemental heath insurance which just went up 250%. My yearly medical expenses are much lower that the premiums. Blue Cross is the absolute most difficult company I have ever dealt with. They totally SUCK"
Commented on 2016-12-28 14:49:19 EST
"My wife has breast cancer. The Doctor ordered a Computer Breast MRI. Blue Cross Blue Shield of North Carolina said that the request does not meet the definition of Medically Necessity found in the member's benefit booklet. This makes me very angry. The monthly premiums are more than 3,000.00 because we have five children. They will deny the first MRI What a sorry company. I do not recommend them at all. They do not care if you drop dead. All they care about is getting their monthly premiums. I will certainly start shopping around."
Commented on 2016-12-22 11:35:05 EST
"BCBS has been very good in all facets of finalizing claims, been always polite, fair, concise, and honest."
Commented on 2016-12-09 18:52:05 EST
"The website is horribly broken, and the billing section where you are supposed to pay your premium has been broken for months, resulting in many hours of time on my part to call by phone just to pay my premium. The Blue Cross Blue Shield of Illinois website is among the most frustrating websites I've ever had to use, it is always showing a message that it is under maintenance and the billing section logs you out when you click on the button to pay the premium. This is so totally outrageous that I can't believe this company is still in business. This is proof that these big firms have no incentive to serve customers."
Commented on 2016-11-28 08:35:13 EST
"Been with them for 20 years-got a nasty letter after I paid premium 2 weeks late...never been tardy before.Will be looking elsewhere"
Commented on 2016-11-19 10:08:09 EST
"They are incompetent at every level. Their consistent incompetency reeks of collusion. Avoid Florida Blue at all cost. They even will ignore the timely addherence to the Ste Insurance Commissioner."
Commented on 2016-11-18 05:43:20 EST
"Very expensive. Very little coverage for the amount of out of pocket money the consumer must spent. Poor customer choice not ours. Wouldn't go with them if given a choice"
Commented on 2016-10-16 13:45:06 EST
"Policy covers very little."
Commented on 2016-10-11 17:51:14 EST
"new website is unuseable"
Commented on 2016-09-22 12:21:12 EST
"Carefirst BCBS of Maryland is one of the incompetent organizations I have ever dealt with. Customer service throughout company is horrible. I have had issues with purchasing and canceling policies, the company's website, accessing my account, billing and claims. Most of the issues have gone unresolved by customer service reps who don't have a clue. The amount of time I wasted having to deal with the company's pathetic customer service department is obscene. Indeed, just reach a live person, you are required to navigate through a maze of automated responses, all designed to direct you their automated customer service responses. This is a company that clearly cares little about its customers. Stay clear of this company, they just don't come any worse."
Commented on 2016-07-17 22:34:43 EST
"Very poor customer service. Out of date Provider List. Very expensive with little coverage. I'm switching."
Commented on 2016-07-05 09:09:14 EST
"They deny preventative tests for me with a strong family history of breast cancer and also said rehab for my son wasn't life or death so therefore they need 15 days to approve it....he would be dead in that time...and no the ER does nothing, did that last year at the advice of my insurance."
Commented on 2016-06-06 07:33:19 EST
"do not use bcbs of north Carolina. customer service is the absolute worst."
Commented on 2016-05-16 13:47:29 EST
"They refuse to cover my diabetic testing supplies. They also won't cover my eye drops needed after eye surgery. "
Commented on 2016-05-05 06:38:20 EST
"Best pricewise policy with Obamacare subsidy, although with a $6,500 deductible. Go to the doctor, call and ask for "average office visit cost" and told that depends upon your insurance. OK. Call Blue Cross, and get the same answer regarding any co-pay "that depends upon the doctor"...point is, you get slammed with a $300 office visit which you have to pay its applied to the "deductible" and having to go twice cost $700...again, applied to the deductible. On top of it all had to pay $111 to Obamacare IRS on the 1040 for year 2015, even with the subsidy. This is affordable insurance??? "
Commented on 2016-04-30 07:39:59 EST
"bad customer service, don't know what the left hand is doing with the right hand, such as talking to at least 3 reps on my group, they all gave me different info."
Commented on 2016-04-29 12:53:23 EST
"Met deductible on sizable claim yet balance denied and denied. Paid only 608 of a more than 20,000 claim. Poor service, long wait times and high deductibles with limited in-network services . As we say in the law nudem pactum...empty contract or if you will paying for nothing "
Commented on 2016-04-28 04:30:46 EST
"premiums of 2000/month by work. Refused treatment for hepatitis C for 23 year old. Not sick enough. Got him Obamacare and United health care and they approved it within 3 months. No help for voluntary inpatient drug rehab unless you overdose. Co pay at physical therapy was $80. Patients with no insurance paid $75. Head of company makes millions, but they don't like to pay.>"
Commented on 2016-04-18 08:12:42 EST
"They are almost impossible to reach.. you are placed on hold sometimes for over an hour.. just to ask a question.. then you're put on hold almost as long before they actually answer it."
Commented on 2016-02-29 15:35:45 EST
"DO NOT USE THIS COMPANY We are now forced to use this company since the enrollment date is up and pay 408 dollars for one person Even going through and renewed, worst decision of my life I now have one full paycheck out of two that I am forced to pay to BCBS of North Carolina. Also one the occasions that I have called the company I was unable to get a hold of a representative except in the case of the sales department. I will note that I waited for 40 minutes on one call before I gave up. Horrible company"
Commented on 2016-02-09 13:27:52 EST
"Blue Cross/Blue Shield stopped offering PPO plans to individuals, so we elected to switch to their HMO Plan which the price this year is about double for less coverage than it was just 3 yrs ago. For my daughter to get a followup appointment with a specialist she was already seeing, we had to go to a PCP to get a referral. To get the referral, I had to pay for an office visit with the PCP. When I checked out, because I had not met my high deductible, it cost me $125. I asked what the cash price for the visit was. The lady taking payments said $57, but if they ran it through insurance, they had to charge the "negotiated rate". The medical insurance system is BROKEN BCBS is taking advantage of people being required to have insurance"
Commented on 2016-01-26 10:14:48 EST
"I couldn't even get insurance until the Affordable Care Act kicked in. Last year I had a high deductible plan with BCBS. It was probably about average cost per month. The plan doesn't pay for anything until you reach the high deductible so the fact that it was an HSA was a plus. But everything came out of pocket until I got sick and had to be hospitalized. I immediately hit the end of my deductible, paid the costs for that, and then did not pay a dime for the rest of the year for anything. Not even my prescriptions. The plan I have is 100% on them after the deductible is met and, even though I did not expect them to honor it, they did! This policy saved me about $32,000 this year. Worth every penny. Oh, and I never once had to actually communicate with BCBS myself. It all worked like it is supposed to. It is amazing when that happens these days"
Commented on 2016-01-11 10:17:20 EST
"very good company"
Commented on 2016-01-10 12:27:21 EST
"Where to begin...>>Unfortunately for me I just signed up for this insurance. I have been through 9 levels of auto voice and "transfer to the right representative" hell for over 3 hours and 5 phone calls. >>This to me is crazy since I AM TRYING TO PAY MY PREMIUM and I DONT WANT TO PAY LATE. >>Sure they have online member services which RETURNS AN ERROR each time I try and register.>>Then there is the phone billing which makes painstakingly read every number that is associated with your life only to have the robot start spewing ERROR CODES UNTIL YOUR PHONE STARTS BEEPING. >>I don't understand how you can charge money and not even have a system to collect it. Unbelievable. People may say "just don't pay it then, its their fault.">>Sure problem is I'm willing to bet they will increase my balance with late fees and charge all sorts of penalties. Stay away before its too late. >>Complete incompetence.>"
Commented on 2016-01-07 12:27:23 EST
"worst customer service ever>16 calls to straighten out issues with my 2016 policy and I'm still not certain that everything is worked out"
Commented on 2015-12-30 08:10:05 EST
"They have turned me down for a cholesterol lowering med and want me to try Lipitor which is found to cause type 2 diabetes in women. I have tried nearly a dozen types and all cause extreme joint pain except the one prescribed by my cardiologist. He gave me some samples and no pain. I don't understand their reasoning and lack of concern about Lipitor. Thinking about going with Priority Health."
Commented on 2015-12-29 11:53:11 EST
"The absolute worst in cynical,unresponsive, corporate bean counting. be prepared for the experience of being completely uninsured- all for the low price of $500+ per month for an individual."
Commented on 2015-12-14 09:36:18 EST
"I signed up for health insurance through Blue Cross Blue Shield of Wyoming. They sent me a membership card and information packet but never sent me a bill. Their website has no option to pay my premium, and I cannot register an user account without having an active policy. I tried calling them, but they redirected my call to an individual who is out of the office for the next week. Meanwhile, I remain uninsured."
Commented on 2015-11-06 12:31:00 EST
"Less than honest in their dealings with customers on approvals and coverage. Corporate profits at the expense of honesty and customer service."
Commented on 2015-10-01 15:24:52 EST
"How can an insurance provider not pay for a cast for a broken bone? "
Commented on 2015-08-05 15:18:27 EST
"They constantly cancel your insurance when you are making payments on time every month then have no answer for the reason."
Commented on 2015-05-04 10:47:59 EST
"Make sure they credit your account with your payments. They have been cashing our checks but, have lost all record of them. Subsequently they have cancelled our insurance for non-payment. We have proof of them cashing our checks from our bank but, they are still not able to credit our account and for the foreseeable future, will be without insurance. We have called them continuously, filed complaints, done everything we can get this resolved but, to no avail. We are not happy..."
Commented on 2015-04-29 17:15:54 EST
"BC BS of ILLINOIS, they seem like they will cover give you everything, it sounds wonderful until you actually need something The are difficult to deal with and the appeal department is terrible. I had to file a suit with the Insurance department of Illinois. Be careful when choosing the bells whistles here"
Commented on 2015-01-14 12:39:25 EST
"Im with blue shield ppo thru UC Davis called UC care. It is the worst insurance I have ever had in my 60 yrs of insurance They never want to pay claims and copays are always wrong I spend hours every week on the phone with them it makes me so angry I have no other options at this point."
Commented on 2014-12-03 16:12:24 EST
"Constantly getting different/wrong answers from representatives. Horrible customer service."
Commented on 2014-12-03 08:33:25 EST
"I wrote to customer service about a predetermination and got no response.My care provider has spent hours on the phone waiting to talk to a person. It has been close to 3 months and still haven't gotten a predetermination. I have 1 week before scheduled procedure. If it is cancelled I will have to pay my deductible all over to have the procedure done next year."
Commented on 2014-12-02 10:03:40 EST
"Spend thousand on health insurance and when we need it the system won't even let us login."
Commented on 2014-11-09 08:11:35 EST
"This is the best insurance company you could select. They pay what the insurance mandate allows. You need to have the plan that pays 100% after you meet your deductible. I have a 5500.00 deductible had my gall bladder out for 79000 between hospital and surgeon. The insurance mandate allowed only something close to 1100.00. They paid what is allowed by the insurance table set for every single procedural code. I paid the 1100 and the hospital and doctor wrote off the balance to a loss because they agreed to accept what my insurance company paid. Trust me it is not the insurance companies but rather the doctors and hospitals that feel it is OK to charge us these ridiculous fees. I love my Blue Cross Blue Shield - Blue Portfolio plan "
Commented on 2014-11-07 15:29:30 EST
"JUST DON'T GET BSBC insurance I got hung up 3 times and got xfered few time then got hung up on. I just lost my job so i hd to get a outside insuracne for my family. I just wanted to know if I have to renew my insurance again in Jan or Feb-2015 but no one seems to know YES or NO then started to xfer to different dept. then got hung up on. I am switching it to United Health. "
Commented on 2014-11-07 11:44:52 EST
"BCBS of Massachusetts won't take my information out of their system so I can use medicaid for my pregnancy. The worst thing is I was on my moms insurance through her job when I was a teenageralmost 10 years ago.I kept getting transferred then got a rep who said fine at the end of the call and did not ask if she could help in anyway. Now I am unable to sre any doctor for my pregnancy."
Commented on 2014-11-06 17:39:27 EST
"Look for every possibly reason to not pay claims and to not authorize procedures."
Commented on 2014-10-31 11:09:40 EST
"I don't recognize the negative comments in all the reviews. I have had the BCBS Gold 1500 Essentials Plan in AZ and it has been excellent. I have only come off the plan because I have become eligible for Medicare and am taking out a BCBS Medicare Advantage Plan"
Commented on 2014-10-26 09:32:04 EST
"My mom and I both signed up for the Affordable Care. Under the policy we were able to get the silver plan which is Blue Cross Blue Shield of Texas HMO.With Obama Care we feel bullied discriminated and do not receive the same customer service from doctors/nurses. The doctor's assistants were sloppy in handling referral requests no authorization numbers were given to our referred doctors and we were almost turned away on the day of the appointment in one day I have received three different calls from my PCP's assistant about the need to take over-the-counter vitamins after undergoing an x-ray my doctor told me the result was undetermined but that there is no need to retake another x-ray then she tells me that in order to get better services my mom and I should switch our insurance to PPO because the Affordable Care is a nightmare.As medical patients my mom and I just want to feel safe and cared for when we go to doctors instead we were hassled and bullied because we have Obama Care. My mom is in need to see specialists due to her medical conditions. But after receiving three referrals from her PCP two wouldn't take her insurance and the third doctor's office has incompetent staff. It is extremely difficult to find specialists within the network in Texas.Is it the insurance company's or the patients' fault when doctors refuse to take Obama Care? "
Commented on 2014-10-17 21:27:16 EST
"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 15:48:50 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 14:39:35 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 19:15:43 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 12:52:50 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 11:19:21 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 14:58:11 EST
"This company needs to be shut down."
Commented on 2014-06-20 07:34:16 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 08:17:36 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 10:41:00 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 10:06:47 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 2014-05-18 23:54:05 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 15:22:31 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 18:54:20 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 16:46:55 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 05:08:57 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 10:39:46 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 14:10:39 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 15:07:42 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 07:52:11 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 11:27:10 EST
"Terrible service and billing. They don't know what they are doing"
Commented on 2013-06-18 16:30:41 EST
"Worst company on earth"
Commented on 2013-05-15 01:22:34 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 04:20:46 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 12:44:56 EST
"Very dissatisfied and frustrated with this company-- especially for the premium"
Commented on 2013-02-06 16:00:23 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 18:47:16 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 13:12:02 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 06:53:01 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 14:43:28 EST
"They are terrible for those on an individual plan Do not use them"
Commented on 2012-08-10 09:18:48 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 09:34:18 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 17:30:10 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 09:06:10 EST
"Increase rates while decreasing coverage with time."
Commented on 2012-03-19 19:45:42 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 14:12:28 EST
"Massive dictatorship type price gouging and dropping of coverages for needed medications."
Commented on 2012-02-06 12:30:24 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 16:29:34 EST
"as changes are made customer contact would be helpfull"
Commented on 2012-01-31 08:54:03 EST
"Was lied to and now I owe thousands of dollars - thanks BCBS"
Commented on 2012-01-27 09:34:01 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 17:12:48 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 07:14:00 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 12:37:29 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 17:02:21 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 15:34:19 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 14:03:34 EST
"cost to much need lower deductible."
Commented on 2011-10-28 16:47:25 EST
"Co pay is to MUCH"
Commented on 2011-10-20 06:52:51 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 06:30:29 EST
"Rates go up on almost every quarterly bill."
Commented on 2011-10-07 16:41:20 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 19:07:10 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 09:26:08 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 20:21:05 EST
"Deceptive liars."
Commented on 2011-03-28 12:33:28 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 11:57:40 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 10:41:42 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 14:24:21 EST
"They are very deceptive"
Commented on 2010-12-29 12:51:48 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 15:37:09 EST
"Rate increases, undetermined coverages, bad customer service. Costs TOO MUCH. "
Commented on 2010-12-03 09:13:06 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 09:52:40 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 12:37:40 EST
"Customer service is poor. Pay huge; for little benefits. "
Commented on 2010-10-14 15:11:29 EST
"Rate increases. Rate increases. Rate increases. Rate increases. Rate increases. Rate increases. Rate increases. Rate increases."
Commented on 2010-09-12 09:26:42 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 07:44:11 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 20:16:57 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 13:56:45 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 07:30:57 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 11:08:33 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 06:40:32 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 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 08:09:19 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 11:41:06 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 16:00:44 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 17:24:42 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 11:25:58 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 10:04:21 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 12:05:16 EST
"Nobody know what is going on, everybody tell different story. Recently customer support people do not sound happy."
Commented on 2009-11-09 08:31:43 EST
"they are a criminal racket"
Commented on 2009-11-02 18:06:00 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 12:36:12 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 20:12:57 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 14:48:25 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 10:25:15 EST
"blue shield is bad news"
Commented on 2009-09-15 15:40:34 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 20:00:26 EST
"Rapacious greed toward self-employed (self-insurers) who never cost Anthem/Blue Cross a dime."
Commented on 2009-07-11 08:07:27 EST
"The coverage is good. The premiums are high"
Commented on 2009-07-01 07:20:53 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 18:18:24 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 10:23:53 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 11:45:06 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 18:18:51 EST
"They are licensed mafia..thats it"
Commented on 2009-04-20 17:25:47 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 10:24:29 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 16:38:09 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 10:50:01 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 10:42:50 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 06:26:57 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 15:31:28 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 2008-12-05 23:35:50 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 10:55:04 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 21:09:42 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 15:44:46 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 13:51:48 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 16:16:24 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 07:44:11 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 12:41:27 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 13:35:16 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 12:37:46 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 09:02:13 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 08:23:31 EST
"Pays for hardly anything yet raises it's cost every year..."
Commented on 2008-03-13 16:32:20 EST
"Regence Blue Cross Blue Shield is very easy to work with and alays helpful."
Commented on 2008-02-21 17:23:55 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 14:34:53 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 19:20:35 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 11:56:31 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 06:55:49 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 08:38:03 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 20:32:57 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 09:05:38 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 08:51:58 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 10:42:47 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 13:37:38 EST
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