Blue Cross / Blue Shield - Page 3

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1.2 out of 5, based on 37 ratings and
93 reviews & complaints.
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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 2014-06-26:
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 2014-06-28:
$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
Posted by on
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.
Posted by on
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 2014-04-17:
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
Posted by on
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
Posted by on
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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Horrible Customer Service, Misleading Information Causing Me to Pay Extra Deductible!!
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Rating: 1/51
ORLANDO, FLORIDA -- In order to avoid any hidden terms/ fee, I called ahead to check if delivery is 100% covered with my plan at my selected hospital and I was told it is 100% covered. only after more than 10 months when I called to inquire about something else that they told me the service I used 10 months ago was not 100% covered and they are going to re estimate everything + I will have deductible to pay for that. VERY rude and unprofessional customer associate. They don't even know what is included in my plan and every time I call, they will give me a different answers/ terms. very frustrated and disappointed. it's just useless to call and talk to those operators that are not informative, they even gave me wrong information about my plan which ended up causing me to pay extra money due to their wrong information. I even tried to talk to a supervisor and she was like a robort just kept repeating it's the policy and she couldn't do anything about it. not even an apology for what her co workers did wrong and for my loss of time and money due to their misleading information. that supervisor just told me to contact my HR as they are not responsible for that. it was Blue Cross Blue Shield's customer associates who gave me wrong information and I have to pay for their mistakes!! very angry and frustrated.
     
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Customer Service # Listed on Card Is for Out of Service Cell Phone
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Rating: 1/51
STERLING HEIGHTS, MICHIGAN -- Customer service # for Blue Cross is listed on back of card but got nothing but busy signal - found out the # is for an out-of-service cell phone not associated with BC at all.

Called many other BC #'s but was told "We're not customer service- just call the # on the back of your card" Finally had someone helpful enough to give me the correct # and asked me to read the # on the back of the card to them- the number didn't show up in their database.

How is it possible that a big, rich company would not periodically check, and call it's own #'s to make sure everything is working properly? How could they issue cards with the main contact # incorrect? I'm a new customer, is this a sample of what I'm going to be dealing with at BC?
     
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Not Covering My Medication
Posted by on
Rating: 1/51
HAMMOND, INDIANA -- This insurance doesn't care about you health in all, they have me out of my insulin for days because they think that I use a lot but I am a insulin dependent and is my doctor who write the prescription how He seems that I need it. Last time that I talked to them they told me that I can pay cash for my insulin and send the bill to them to they will decide to refund o not my money, but insulin is too expensive to me. I hope that this information can help someone who is looking for a insurance coverage.
     
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