Blue Cross / Blue Shield Complaint - Scumbag Insurance Company
MINNEAPOLIS, MINNESOTA -- Blue Cross Blue Shield has to be one of the worst health insurance companies in the country. I called them up prior to purchasing a device for treating sleep apnea because I wanted to make sure I picked an in-network provider. The customer service rep directed me to their web site, which in turn referred me to hundreds of different dentists. So my options were to either start getting on the phone to determine which dentist of these hundreds might actually treat sleep disorders, or I could go with the dentist recommended by my sleep clinic. Of course, this particular dentist is out of network. Fine, after the deductible they'll pay 80%, right? Wrong. My dental appliance was $2200.
BCBS payed $500 based on an allowable amount of $700. This was after I was assured by yet another CS rep that they would pay the 80% without mention of the cap. So I called them. Again. Unfortunately, instead of just being ignorant, the CS agent I got this time was also incredibly rude. Ultimately, they can place some arbitrary amount on what they consider "allowable" depending on which providers they're in bed with. And you better hope you pick the right one.
It's disgusting and the only thing a consumer can do is hope you never need medical care, set aside a kitty for your own health care needs and hope that karma takes care of all these dirt bags that are profiting off people's suffering. They're not in business to keep you healthy, they're in business to line their own pockets.