FORT WORTH, TEXAS -- BlueCross Blueshield of Texas accepted me for health insurance in January and attached a rider for a nonexistent condition. To appeal the rider, I had to submit my medical records. Four days before the policy was to go into effect, the rider was removed, but the policy was cancelled for another nonexistent reason. Again, I wrote an appeal, 3 pages with 13 attachments including a letter from my doctor. My appeal did not ask for acceptance of insurance. I wanted, and still want the denial of insurance, to be removed from my record. In addition, I filed a complaint with the Texas Department of insurance.
BlueCross again responded with a denail of coverage. I DO NOT WANT COVERAGE WITH BLUECROSS! I WANT THE UNWARRANTED DENIAL OF COVERAGE REMOVED FROM MY RECORD! It is obvious that BlueCross never read the appeal, looked at the attachements, most specifically the letter from my doctor. After reading the numerous complaints regarding BlueCross, I feel that I have somewhat "dodged a bullet" as apparently they are infamous for late payments and refusal of claims. In addition, my complaint with the state insurance board yielded this, "cannot compel them to change their decision to extend you coverage". Again, I don't want their coverage!
Sad isn't when the insurance company is allowed to ruin your chances of quality health care and even override your doctor's diagnosis? What's more, the government lets them do it. I will be posting my story wherever possible and I encourage anyone else to stay away from BlueCross.