Blue Cross / Blue Shield - Page 3

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1.2 out of 5, based on 40 ratings and
96 reviews & complaints.
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Marketplace plans limitations
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Rating: 2/51
CHICAGO, ILLINOIS -- BUYER BEWARE! On the healthcare marketplace website they list plans for you to choose from. They are not outright fraudulent, but there is vital information that they purposefully do not disclose regarding the BCBS Blue Choice PPO plans. That is the fact that very, very few doctors, many hospitals, clinics and other medical institutions do not accept this form of coverage. It makes the insurance close to useless and you end up paying $500 or so a month for insurance that you cannot use and still have to pay the majority of your medical bills. If you have to go to a specialty doctor, it may almost be impossible to find one that accepts it. Their regular Blue PPO plans are accepted by a wide variety of medical professionals, however their BLUE CHOICE PLAN should only be taken with awareness of this caveat - it may be hard to find medical treaters who will accept that insurance.
     
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Dropped As A Customer, Reinstated At Twice The Rate And Now They Demand A One Thousand Dollar Payment
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Rating: 1/51
PHILA., PENNSYLVANIA -- I was paying $155.00 per month for current coverage. Then their new system came through. I waited too long to pick a new plan and they picked one for me at over double the rate $375.00. Now, they are demanding a one thousand dollar payment by September first. I should point out that they refunded the last payment before they "doubled my rate".

I had a hard enough time with $155.00. I think they should at least review the new rate before they put it in place. I am not paying a dime of it! I'll take my chances with Obama's fine.
     
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Your money only pays for your right to carrying the card
Posted by on
Rating: 1/51
CHICAGO, ILLINOIS -- Spent hours on the phone trying to gain an understanding of why my claims were refused, in the end it appeared because they would have not made any money off of me. Only had 900 dollars in claims and had already paid them $200 for 3 months, thanks to the Obama (everyone must have insurance). The process here is you call them and email and they get back to you saying I can't answer your question but I'll forward; followed by no one ever getting back to you. Forward ahead a few months and you call back and they say no luck for you but thanks for the money; I take that back not even a thanks. I would advise you to run from this place because I am and even though I am not writing all the crap I just want to say they are awful and best of luck to all.
     
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USELESS.
Posted by on
Rating: 1/51
RHODE ISLAND -- Not that I think they will do a damned thing about it if I complain...

Please tell me why I am paying $200 a month for insurance I can't use. I hate this HSA bologna. I need to pay $200 a month, pay for all meds, doctors visits and procedures out of pocket until I have paid $4500 (NOT including the premiums in that $4500) and THEN they might cover something?? I cannot afford $4500 plus $200 premiums. THAT is the reason I have insurance. And THEN I get a claim rejected because they a procedure isn't "recognized" as effective in diagnosis? It was effective, it let me know whether or not my 6 year old was extremely sick. However now I can't even afford to pay for the surgery he needs. I feel like it would be better if I quit my job and went on state insurance. Money hungry JERKS. They aren't out to help ANYONE. They have made it impossible to be healthy. WAY TO GO.
     
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Obsfucation@gmail.com on 06/26/2014:
It is a sad fact of life that $200 a month won't buy you much. It is likely that all it provides is some coverage for a catastrophic situation. If you are looking for lower co-pays and prescriptions and lots of tests, you're alkso looking at $750 or more a month.
FoDaddy19 on 06/28/2014:
$200 a month is going to get you squat for a private plan. Years ago when I worked in retail, my employer didn't provide health insurance, so I had to get my own private plan (through Anthem ironically), and it was around $750 a month and I still had to pay $2000 out of pocket before they started paying out.

I agree with Obsfucation, it sounds like you have a plan that's for really bad situations, like where you might need tens of thousands of dollars in care for a medical emergency. But otherwise it's not going to benefit you.

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Exams After Age 50
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Rating: 1/51
OKLAHOMA CITY, OKLAHOMA -- My wife does not like doctors, has not been to one in over 2 years. After she turned 50 I made her get a blood test. Guess what? BCBS denied the claim completely! Did not even bother to get the insurance reduced rate. Now she has canceled all the tests the doctor requested that are normal for her age. BCBS does not care about preventing anything!!! If you are not dying, do not expect BCBS to pay a penny. Don't know if they will pay anything at that time either. Will not be with them long enough to find out.
     
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Complete And Total Lack Of Customer Service.
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Rating: 1/51
DURHAM, NORTH CAROLINA -- To make a long story short, they have no customer service. None. You can't get anyone directly. NO ONE. So every single time you have to go through customer service h***. I'm now sitting on hold, yet again, because of THEIR mistake. I tried to remove myself from our policy in January, keeping my family members on the policy. Well to say they've screwed it up royally would be a huge understatement. They only "split the policy. Their mistake but they want ME to pay. How's that work?! Their excuse is, "there is no paperwork." Well, that's because your person screwed up. Needless to say, I'm pretty unhappy. So, 22 minutes on hold and the clock keeps ticking.

I keep thinking that Durham is not a bad drive. But if I did go I'd never get through the front door so why bother. Customer service? Not on your life. Pathetic. I've truly, truly never experienced customer service at this level...... and I'm including DMV experiences.
     
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Shayen on 04/17/2014:
I am not surprised to hear of the bad service. BCBS outsources their CS department to a 3rd party who pays the reps $8.50/hour. How can they expect to have a quality employee who is educated and articulate for $8.50? They rarely can but apparently they don't care.
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Refusal to pay for meds
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Rating: 1/51
CHICAGO, ILLINOIS -- I do not have a pituitary gland. It was removed due to a tumor. I then had radiation when the tumor started growing back. BCBS knows this because they paid for it. I take a lot of meds due to this chronic condition. I made a mistake simple as that. I long hard day and somehow after I took my nightly injection I placed it in the freezer instead of the fridge. According to BCBS once I receive the meds if anything happens(lost, stolen or ruined), it is my responsibility to replace them at $500.00 dollars. So I have to go almost 2 weeks without meds which will mess me up for close to a month because of their ridiculous rules. Mistakes happen. Also the entire way their system is set up is a rip-off. My plan says that I have a copay of $30.00 for specialty drugs but the vial only lasts 25 days and they make me pay the extra 3 vials per year because of the way the vials are measured.

That isn't my fault. My plan has me paying for $30 for a 30 supply. Hours and hours on hold and nothing but the run around and in the end. Go call the insurance commissioner I can give you the number if you like. WOW!
     
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Changing Medications
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Rating: 1/51
ROCHESTER NY, NEW YORK -- I changed from one company that I was totally happy with because of the premium increase. Through The Affordable Health Care Act (Obama Care) I met with a navigator who assigned me to Blue Cross/Blue Shield.
It has been nothing but a nightmare so far. They refused to pay for my mammogram, because I require an ultrasound after the mammogram, now they are refusing to approve my migraine headache medication that I have been taking forever via my Neurologist and previous health care provider.

Money is everything with these people. They are trying to substitute the pills with pills that cause tinnitus, which is a condition I already suffer from and also, I found out through research, they give it to dogs with arthritis! They have been rude on the phone and even sent me a letter telling me that I could not have my old med back.

Now I am on Vicidin and nausea drugs and they have to pay out of pocket despite a premium I pay them monthly because they claim I have a "deductible". I do not understand why they will not approve the Naproxen sodium 550mg I was taking because they weren't going to pay for it anyway!
     
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Horrible Telephone Wait Times; Can't Order ID Cards
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Rating: 1/51
HOUSTON, TEXAS -- I would give this a negative rating if I could. Let me explain why. My in-laws switched their Medicare Supplement Care from Aetna to BCBSTX because my father-in-law's prior company dropped all retiree plans. We applied, were accepted, and have made payments for both my mother-in-law and father-in-law. We even put BCBSTX on auto bill pay and made payments well in advance of due dates. Effective date is 1-1-14. They've never received ID cards. Here is my problem. Every time I phone and enter the member number and DOB as requested - no application found. I have to hold "in excess of 60 minutes" (on hold right now - 1 hr 30 minutes and counting) while waiting "for the next customer advocate to be with me shortly. (Shortly?? Advocate??) When I try to order the cards online I have to set up an account online and enter the member ID number, group number, email address, etc. OK, the ID number is on the invoice so that's not an issue. The problem is the Group number - that is found ON THE CARD. Hello?? This is the most time-wasting, non-customer friendly, absurd process I have ever seen. My advice? Go elsewhere.
     
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Dishonest and Misleading About Coverage
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Rating: 2/51
CHICAGO, ILLINOIS -- Blue Cross Blue Shield claimed to cover the cost of my IUD Mirena, with only a $20 copay. However, they did not bother to tell me that the required STD test to get the IUD is NOT covered. It cost me almost $200 to get the test. Additionally, they did not pay for the ultrasound my doctor ordered after getting the IUD placed. An ultrasound is very important to get to make sure that the IUD is in place. Now I am charged $1200 for the ultrasound. Lastly, I was charged $270 for the "office visit" to get the IUD place, and another $90 for the check-up visit, because my insurance only covers one office visit (that is not a medical diagnosis) per year. Why did they not tell me that I would be responsible for paying this? They are dishonest and misleading in their coverage. I am dropping BCBS after this month.
     
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