Blue Cross / Blue Shield Consumer Reviews - Page 2

ATLANTA, GEORGIA -- I was admitted into the hospital. When I came out and go to get medicine I am told I don't have any medical coverage. When I call BCBS they said my policy was terminated and date given was right before the hospital stay. Why was it cancelled? "Oh probably some error". Will you reactivate? "Yes".

A week later go to pick up medicine, no coverage, call the state office, "You don't have any coverage and we are not taking any payments from you. You have not had any coverage with BCBS since last year." At that point I realized what type of ignorance I was dealing with so I called my human resource dept to let them handle it which they did. But one woman tried to help me so if you have to speak to someone at BCBS ask for Josie, she was the best. But even she couldn't deal with BCBS State office. They don't care what they tell you. I cancelled my insurance and moved on. Won't deal with them anymore.

OKLAHOMA -- Bought the Highest Medical and Dental plan offered on Healthcare.gov and paid $400 (I'm unemployed). First there was nothing to say that you would be paper billed after giving all of your info and it seeming like your payment would just be taken. Got a letter stating the bill was never paid (mentioning both plans), frustrated... I called and was willing to give them my bank statement to show I had paid. Never mentioned that they were only missing the $22 dental portion the whole conversation. They said "yes", they received it.

Next month, made a payment, it was $44 more. Asked why, they said it was dental and that we never paid... Ok, paid the 2 months after complaining we had called, why did they not tell us. Bill from dental cleaning comes back unpaid and Dental cancelled for non-payment. Nothing they could do, we did not pay for 30 days. Nothing you could do????? You could have told me the first call I made about the lousy $22... Really???? Seems like an all out scam.

Now I am going to pay out of pocket for an exam that should have been free... and an amount, that after paying a total of over $800, unemployed, is impossible. Not only that, but they cannot re-instate me and I have to wait until Nov. 1st to re-apply for benefits. This is not OBAMA people, this is INSURANCE companies. Don't think they are not finding ways to be more profitable. I am sure you will have to fight tooth and nail for every claim with these guys. There are places here in OK that will take Blue Cross Blue Shield, but not from OK. Blue Cross should shut down this section of business.

NATION WIDE -- I am currently employed Department of Justice and 65 years old. My health Insurer is Blue Cross Blue Shield. BCBS wants me to fill a form stating that they are the only insurer and I do not have Medicare part A or B. To speed up the process, I asked if I can fill the form online or, they can send me the form and I can fill it and fax it to them. None of the request is available.

Now my question to all people over 65, I am paying the premium the same as the rest of the employees in my office. Why do I have to do this, is it because I am 65? BCBS said that's why. I think this is age discrimination. Any employee younger then 65 don't have to fill any form.

We all pay the same premium. So why is BCBS trying to prove, saving money, or trying to create miserable time for senior. If BCBS is trying to save money for not be listed as the first insurer, I understand it. But the burden should fall on them, but not the policy holder. I would love to talk to any lawyer who is willing to file a law suit against BCBS, and I think there will be many other seniors like me.

NEW MEXICO -- Customer Service at BCBS of NM is nothing but a wall of obstruction to keep customers from being serviced. After numerous calls, hours on the phone, and 6 weeks of having to repeat my story over and over, each time to a different person, when the call center representative (that's all they are) says to me, "I *am* trying to help you," or "You can believe me," I now challenge them with, "I will believe you on one condition: Give me a direct number so I can call you back and continue to work with you directly." Of course, they can't. It's a call center.

They're all working off a huge switchboard. No one has a "phone" -- they're outfitted with headsets & have no control over what calls go where. As soon as they get off the phone with you, another caller is passed along to them on their headsets. There is no follow-up. There is no real concern with helping customers. Needless to say, I am still waiting for my issue to be resolved, and in the meantime I am being denied health insurance coverage I was paying for, up until this month when BCBS took it upon themselves to *return my money and cancel my coverage.*

Every time I call they have a different reason for the screw-up. They are good at rationalization, but as bad as can be on resolution. You, Blue Cross Blue Shield of New Mexico customer, are at their mercy, and they have NONE.

PHILA., PENNSYLVANIA -- I was paying $155.00 per month for current coverage. Then their new system came through. I waited too long to pick a new plan and they picked one for me at over double the rate $375.00. Now, they are demanding a one thousand dollar payment by September first. I should point out that they refunded the last payment before they "doubled my rate". I had a hard enough time with $155.00. I think they should at least review the new rate before they put it in place. I am not paying a dime of it! I'll take my chances with Obama's fine.

RHODE ISLAND -- Not that I think they will do a damned thing about it if I complain... Please tell me why I am paying $200 a month for insurance I can't use. I hate this HSA bologna. I need to pay $200 a month, pay for all meds, doctors visits and procedures out of pocket until I have paid $4500 (NOT including the premiums in that $4500) and THEN they might cover something??

I cannot afford $4500 plus $200 premiums. THAT is the reason I have insurance. And THEN I get a claim rejected because the procedure isn't "recognized" as effective in diagnosis? It was effective, it let me know whether or not my 6 year-old was extremely sick. However now I can't even afford to pay for the surgery he needs. I feel like it would be better if I quit my job and went on state insurance. Money hungry JERKS. They aren't out to help ANYONE. They have made it impossible to be healthy. WAY TO GO.

AUSTIN, TEXAS -- I have always had the worst experience with Blue Cross Blue Shield. I just talked to a man and he literally laughed in my face and was no help. I was trying to see if something was covered and he was no help. He just said, "I can't do that for you, you have to talk to the doctor to see how much it will be. I can't find that information out for you." I don't appreciate the lack of connection between the doctors and the insurance, it's like they don't even work together. It is so frustrating when trying to figure out if you can afford to pay for something when you aren't given the price it will cost. This makes no sense at all. I just want to see how much it will cost and if it is covered. How hard can that be and why does it take forever.

MICHIGAN -- Very poor customer service and lack of transparency. Representatives are not versed thoroughly in company policies. I received conflicting information after speaking to three different representatives all in the same day. After conferencing in with the Healthcare Marketplace and Blue Cross twice and being promised a specific dollar amount premium considering our tax credit. Blue Cross continued to bill us for a much higher premium ($88 more). I continued to call them for several weeks to try to understand why this was the case. However, they continued to insist we had not paid our previous balances in full and therefore had incurred a balance of $272. After being on the phone with them for an hour (each time, over the course of different dates) they were still unable to explain from which dates we owed them a balance. Especially since I had payment information proving we had paid the premium we had been billed for in full for each of those months. Very disappointed with the lack of thoroughness and being put in the position to be forced to justify we were up to date on all of our previous bills. Such an expensive and large company should keep better billing records. This case is still pending and we have yet to receive a resolution. Needless to say I do not recommend this company!

OCALA, FLORIDA -- Terrible experience! BlueCross will not pay our dr. for their portion after Medicare. We have contacted them over and over again and get
***published here https://bestcompany.com/health-insurance/company/bluecross-blueshield***

nothing but excuses. One excuse was that the doctor has to submit the bill to Medicare first and then they pay what Medicare doesn't. The doctors office and I pointed out on the bill that Medicare was submitted and paid their portion within a week so obviously the doctors office submitted the bill to Medicare. Their reply was "Oh yeah. I don't know why we didn't pay those" but still they did not pay it. We have shown them proof of our jumping through the hoops to get them to pay but they still stall and don't pay. I have paid the dr. myself many times because they keep stalling and it is not fair to my doctor.

I recently had an emergency and had to go to the hospital and now have a bill for $2004.00 that BlueCross is again making up excuses not to have to pay their portion of it. They claim they are not responsible for it because the hospital did something wrong by admitting me as an outpatient then keeping me several days because I was too sick to go home!

The plan I have, I am not suppose to pay ANY co-pay. The premiums I pay BlueCross are paid every month on time and are high. I am dropping BlueCross this month and will NEVER go back to them or recommend them. My business partner will have to drop his BlueCross as well.

DALLAS, TEXAS -- I have been denied on my claim which is no small amount ($9400) after it was pre-approved and pre-authorized. The doctor, anesthesiologist and hospital are all in network as "participating providers" which BCBS readily admits. They are all on their own website as participating providers. The loophole that they are using to deny and not pay the claim is that the are a participating provider in network but it is an institutional claim. Which doesn't make sense to me and I am a licensed Health and Life insurance sales person and have been for 6 years.

We checked all the boxes and made sure ahead of time that the procedure would be covered only to find that Blue Cross Blue Shield of Texas will not pay the claim and they do not care.

Unfortunately they don't care about negative reviews either and they don't respond or seem to bother with the claims side of their business. They just say, we have 32 divisions of BCBS and we are too big to deal with a small insignificant problem like this.

It may seem small and insignificant to a large corporation like Blue Cross Blue Shield but $9400 is a significant amount to me.

At this point I hope the government gets their way and takes over the health care industry and puts companies like this out of business for good. You get what you deserve.

I work for a company called Accolo Business Services so if you can't find my name otherwise to verify that this is a legitimate review, you can find it that way.