Blue Cross / Blue Shield Complaint - Accidental injury benefits
GEORGIA -- I fell, dislocated and broke my wrist on a Sunday which was on a holiday weekend. Went to the emergency room which had no orthopedic to do the surgery to fix my broken wrist. Was unable to get an orthopedic until 2 days later. Orthopedic could not do surgery on broken wrist because of swelling until 6 days later. They tell you they only pay 100% for an accidental injury within 72 hrs. Watch out!! You will have to pay a 15% or 35% if non-part. Even through this surgery was scheduled within the 72 hours. They have no exceptions to the rule. Chaulk one up for the insurance company for a loop hole that benefits them and high insurance premium to boot. Be prepared for out of pocket expenses federal employees.