Caremore medicare insurance is extremely lacking and other reviews here are spot on.
Anthem MediBlue Insurance
RICHMOND, VIRGINIA -- I was amazed when I read all the reviews here for CareMore. None of them were from the state of VA. because this is the 1st year it has been offered in this state. That being said, the reviewers all said exactly what I have found in my first three months with the plan.
I have several health problems and see 3-4 different specialists and my PCP quite often. Suffering from 4 health issues the plan looked like it was tailored to my needs. I met with a sales representative before choosing CareMore (in Va its disguised as Anthem Health Keepers because Wellpoint bought Anthem as well) and the cost savings looked great compared to any other plan out there. Well I have found why it looked too good to be true. They have a very limited amount of inexperienced providers who are doctors, specialists and others. I had to change rheumatologist because my regular rheumy was not with the plan. There were only 2 that accepted the plan. So the one that was chosen for me, knew nothing about the disease as she was just out of school. At the same time she insisted I be seen every 2 months rather than 3 months that is typical for my problem. I was also told that there would be several caregivers at the CareMore centers to provide free services. I wanted to get help from the nutritionist there. Except they do not have one as I was told they did when signing up.
Then there is the problem of DMEs (durable medical equipment) I had no problem in this dept. with other insurance carriers until I joined CareMore. Before everything worked like clock work. Now with very few providers, I'm having a very hard time getting my supplies. I lost out on 2 months of catheters and was told my doc would have to do a referral every month for this DME. The 2 months I missed came out of my pocket. Also my cpap supplies have to be done through referral every month by my docs and before they were shipped in 3 month supplies with just 1 doc referral at the start.
Several of the docs including my PCP are not happy with all the red tape this has caused. They have even expressed this to me verBally. I have been on the phone more than 20 hours (in the 1st 3 months being insured)with several CareMore employees. Talking to assoc. at the centers, Member services and my personal sales representative trying to straighten out all the problems I and my docs and their staff have been having. In one instance I'm being stalled on getting referred because the only 2 ID (infectious disease)docs will not see me as one is not accepting new patients the other can not or will not deal with a complex case as I have.
To sum up the situation (I have left out many thing to keep this short enough to read) if people from different states are all complaining about similar problems you can bet there is some credence to them. Its definitely company policies that create all this misery to those that made a very bad choice to go with CareMore. I will not stay with them past this year no matter the cost to find another health insurance provider.
Final analysis is that the staff, and people hired by CareMore will kill you with kindness to your face to fool you into believing that CareMore cares. When in reality there goal is to keep their cost down no matter the cost to the patient or their health. I wouldn't be surprised to see a class action suit in the future.