I have Health Insurance thru work. I have paid all the premiums. My kids went to regular health / well being visits with vaccinations. We even called ahead of time to make sure we were ok visiting these doctors, and got verbal oks from BCBS.
One month later all claims were denied. The explanation was preexisting coverage thru Blue Cross Blue Shield of Western NY. A Policy that ended a year before.
I spoke with BCBS. (20 attempts at calling, avg wait 15 min, and 50% of the calls resulted in being disconnected) They looked into it, apologized and told me it would be corrected
One month later another collection notice.
I called again to BCBS (more problems reaching a rep), they said they had no record of any phone conversation. They asked me to fax in documentation of termination of coverage. I did. This time I requested written documentation the problem would be fixed. THEY REFUSED TO SEND ANY WRITTEN CONFIRMATION that they corrected the error, would not give an explanation. They assured me it would be corrected.
One month Later more Collection Notices. Faxed in documentation again to BCBS, they claimed to have no previous records of conversations. Followed up again one week later to check. The person handling my claim is 'out of the office this week' Another representative claims that there is no record of any conversations and asked us to fax in the documents again.
This cannot be incompetence. The only plausible explanation is that this is a CRIMINAL practice of repeatedly refusing to pay.