Blue Cross Blue Shield - A Horrible "Catch 22" Experience!
Group Health Insurance - Complaint
KNOXVILLE, TENNESSEE -- This insurance was a pain in the neck ( actually lower but put "neck" for censorship reasons), from the get go! First we had to have detailed proof that we even needed to go to a doctor by detailed proof they had to have "all the doctors notes" that were taken during the visit, why we even needed the visit and why and what the doctor prescribed. Second, we had to have a detailed written letter as the the necessity of the prescription and or diagnostic testing. Our doctor visits were very expensive and until the deductible was met they only paid a teeny tiny portion of the bill so naturally we thought that the large amount we were paying was going towards our $450.00 deductible...but oh no, it wasn't going towards it at all!! Instead the teeny tiny amount that
"they" were paying was going towards our deductible!!! So in reality not in 11 months would our deductible be met...we would get one month of health care at a decent co-pay amount from them! They paid for NO diagnostic testing what so ever until they got a "good enough reason" that we even needed it...which according to them...we didn't need it at all and there was no good reason for them to pay an cent, which they didn't...so our medical bills were adding up to a huge amount! Now we are paying them off monthly, which is all we can do, plus the doctors charge interest!!
Years ago we had BCBS and it was wonderful...what ever they have done now is and was only to benefit themselves and NO ONE else what so ever! This company is more than greedy, if that's possible!! They lie and take your money and give you no coverage! If this is not enough they recommend one of these "Flexible Spending Cards" and tell you that you can get everything under the sun with this "tax free" spending card...they even tell you that you can get over the counter meds like aspirin and cold medications...yes you can...IF you have a "doctors prescription" to get any of this over the counter stuff...so in other words you have to "pay" your doctor for an office visit to get the prescription and they won't settle for the office calling in a prescription for you oh no, you have to visit the doctor in person so that BCBS can see all of it in writing! This health insurance is by no means any sort of a bargain at all...it use to be but those days are gone for good. Even the worst hospitalization insurance I have had, Or at least I thought some were the worst...Was better than BCBS is now!! Do yourself a favor and stay away from this scam insurance company. I get a great laugh out of their 'sympathetic" TV commercials...this insurance is a big fat joke and I am sure a "single" mother, as shown on the commercials is totally unable to afford this junk!! If you go for this insurance because you have to according to where you work..I feel so very sorry for you but be prepared...you will get letter after letter wanting so much information "before" they will pay a cent...it will drive you crazy!! If I could have given this lousy company "0" stars I would have...it's not worth even one star!! In my own opinion!!