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Apparently they Don't Want My Business
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OKLAHOMA CITY, OKLAHOMA -- I have never in my life heard of a company making it this difficult to do business with them. It's laughable.

It's a simple thing, really. I only want to give Blue Cross Blue Shield of Oklahoma my business. My husband and I reside in Arizona. He and his previous wife are divorced. Under the custody order we are required to pay his son's insurance premium. We currently have him covered under Regence Blue Shield in Washington, but he and his mother recently moved to Oklahoma.

First, we tried to transfer the policy. We were almost through with the process when we recognized that the policy Blue Cross Blue Shield of Oklahoma was signing him up for was not the standard Health Check policy we were trying to transfer. This after waiting more than FOUR months for ANYTHING to transpire! At that point we were instructed to call a different number in order to proceed with the policy we needed - in effect, start over. We declined and thought it might be quicker to start fresh and not work directly with the company.

We filed an application through Esurance, for the Health Check policy, as their rates were most competitive. Still, Blue Cross Blue Shield of Oklahoma put roadblocks in our way. We explained to them from the start that we needed the insurance premium billed to us but that the insured resided in Okla. This is how we currently have it set up through Regence Blue Shield, with no problems.

After many emails and phone calls it turns out the ONLY way for us to get coverage for him is if we provide an Oklahoma bank account for automatic withdrawal. NO EXCEPTIONS.

The first thing that pisses me off is not once, through the entire process (which was started in March)were we told we were required to have an account in Oklahoma for this policy. My Arizona bank provides electronic withdrawal, and last I checked, the value of a dollar was the same from state to state. But no, I HAVE to open a special bank account in the fine Oklahoma City so they can withdraw the premium. How CONVENIENT!!! Now THAT is what I call great customer service!!!

Let me reiterate: I have never in my life heard of a company making it this difficult to do business with them. It's laughable.

Proceed with the application, let me provide you with a billing address or bank info and let's do business! Why is this so hard?

Oh, and forget transperency. YOU try to find a customer service email ADDRESS on their website. If I had it, believe me, I'd provide it.
     
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tnchuck100 on 08/01/2008:
It definitely sounds like they are jerking you around just because they can.

Personally, I would NEVER give any company direct access to my bank account.

Check with the Oklahoma insurance regulators and see if, in fact, this company can force these requirements on you. It should not matter how they are paid as long as they are paid on time. Don't give up yet.
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Prescription Denial
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Rating: 1/51
ROCHESTER, NEW YORK -- Excellus BlueCross BlueShield is the worst health insurance company I've ever had to deal with. I encourage all employers and customers to avoid this company at all cost. I was diagnosed with Narcolepsy 23 years ago and have been treated for it since then. A clinical pharmacist from Excellus has determined that my medication is "Not Medically Necessary" and they refuse to pay for it. The medication helps me not to fall asleep at inappropriate times. It's not a cure but it does help. Excellus BlueCross has trumped my neurologist. When did we get to the point of an insurance company determining what's best over a Medical Doctor! I've filled an appeal. While they go on with their lives, they deny me the right to just have a half way normal life.
     
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BCBS of North Carolina is a complete ripoff
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Rating: 1/51
CHAPEL HILL, NORTH CAROLINA -- My daughter was in rehab at Pavillon in Mill Spring, North Carolina. They do not accept BCBS insurance so I had to pay the entire amount $24,000.00 out of pocket which I cannot afford. At her discharge they gave me paperwork to file with BLUE CROSS BLUE SHIELD of NORTH CAROLINA and for 4 months now BLUE CROSS BLUE SHIELD of NORTH CAROLINA keeps contacting me with petty reasons why they should not pay, reasons that are completely unrelated to the fact that she had a legitimate reason for admission like the hour code of her admission was incorrect or the code for her daily detox was incorrect or TONIGHT the incorrect place code was entered. As a physician, it is obvious to me that BCBS is fraudulently avoiding paying my daughter's claim. Also, Pavillon is A SCAM OPERATION more interested in profit than in helping patients.
     
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BCBS of GA Sucks!!!!!!!!
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Rating: 1/51
MEMPHIS, TENNESSEE -- I suffer from Allergies which is not uncommon in TN or for most individuals around the country. I go to a Little Clinic at Kroger to see a Nurse Practitioner because she is good and knows my allergy history. Per my insurance card, I pay an office visit of $25. The Little Clinic billed BCBS of GA the $25 office visit but it turns out that BCBS of GA changed the billing because apparently they made a secret decision internally without communication to its customers that you will be charged a Specialist Office Visit Co-Pay for seeing a Nurse Practitioner. How the hell is that fair? One, they don't tell anybody and two, why should I pay a Nurse Practitioner a Specialist Co-Pay when she is not? To add insult to this situation, the Little Clinic is setup in the BCBS of GA systems as a regular office visit. They are GREEDY and this company is a complete SCAM!
     
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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
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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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