QUINCY, MASSACHUSETTS -- So BCBS Dental acts like they care about prenatal care by offering 3 cleanings a year to pregnant woman. What they don't tell you is that 8 months after the cleaning, you will still be calling BCBS (weekly) to send payment. After customer service told me 3 different providers had to fill out the documents saying I was pregnant, they still denied the claim.
Long story short (and it is long given the many MANY calls required to Blue Cross Blue Shield), I actually only was able to get 2 cleaning that year. Not only was I denied service that I was entitled to, but they still are not paying my dentist for the cleaning!!! This has been the most stressful experience I have had with an insurance company. I highly recommend staying away from this company and will advise my staff to do the same!
I carry Blue Shield PPO. Moved to a new city (Blue Shield raised my rate based on my new zip code). Was recommended to a new dentist by a friend, so I decide to check to make sure I was covered before seeing said dentist. Called Blue Shield to see if I could see the dentist under my plan. Was told yes. Called dentist to see if they accepted Blue Shield. Was told yes. Both were lying. My bill for cleaning, x-rays, and two replacement fillings is now $1,410, of which Blue Shield paid a little over a hundred. DO NOT PURCHASE BLUE SHIELD INSURANCE.
COLUMBIA, SOUTH CAROLINA -- I went to the dentist for preventative care (x-rays, cleaning, exam) and in the Blue Cross handbook, it stated it paid 100% for those services. I called to ask Blue Cross and they confirmed this to be true, and I also asked if I had to go to a network provider, and the agent said there weren't any network dentists, and I could go anywhere. So I had a booklet stating 100% would be covered and a verbal agreement that 100% would be covered. About a week after I went to the dentist, I received a bill from the dentist and it stated that the insurance had only paid 37% of my claim.
This is what Blue Cross paid: $21 on a $73 exam, $31 on a $75 cleaning, $40 on a $93 full mouth x-ray, and $12 on a $38 bite-wing x-ray. Leaving me to pay $175 on a $279 bill, which I thought would be 100% covered. I am angry because I checked the booklet and with the agent, and thought I was safely covered. In today's economy, people can't afford surprises, and that is why I am filing this complaint as a warning for others. I believe they should pay the rest of my bill and will complain and post on sites until they do. Do not get Blue Cross Blue Shield dental insurance!