Blue Cross/Blue Shield

I would have give 0 stars but not an option. Worst HMO. Strongly advise against selecting them if given an option. Poor customer service. Impossible to sf peak to anyone. Co-pays unreasonable. Lamentable.

So marketplace decided to take back my tax credit for health insurance and being broke and redacted my allotment for said health insurance. Well they didn't tell blue cross blue shield but blue cross blue shield still wants their money but they should also know I can't afford that hence the marketplace health insurance with the astronomical deductible.
I'm trying to pay off what I can but I can either pay the billionaire profit health care corporation of blue cross blue shield the full payment a small amount or nothing and nothing is the winning option but I also lose my health insurance indefinitely. Make it make sense America. I hate it here. I might as well die its cheaper for me at least. Not anyone who has to bury me.
*mic drop*

Refuse they just refuse to give me a medication that I have used for 20 years to keep my depression stable because I can only take the brand name.,now at 3 weeks with no meds, and failing the 2 generics they insisted I fail, still no! I will be checking myself into a mental ward to have the doctors there maybe try and get through to these clinicians! A person who never met me, doesn't know my story, and does not care I am in the pit of hell without my medicine!

-lack of response from Mgemt when messaged by cust ser that customer has requested to speak with them
-claims are bounced between dental/medical with no payment approved after multiple surgery pics, bills etc continued to be provided (note: surgery needed due to medical issue missed by pediatric dr which caused speech/gum issue in toddler) per dental specialist and pediatrician they have seen this bouncing multiple times with other patients are patients expense by BCBS
-primary dr changed on patient accounts without notification sent to customer/patient causing patient/customer to pay co-pay that was not explained (note: internet shows primary dr is a specialist in his field of family/senior health - BCBS stating primary general family Dr is a specialist so co-pay required. This dr has been patients Dr for two yrs with no previous issue with BCBS last year

Worst experience ever.the customer service here is less than one star they need to fire everyone and start over they did not know there job well enough to find me a dentist.there easiest job and 4 different Representatives could not help.don't use this company for anything!

Ridiculously expensive and difficult to work with. I have been to the doctor a total of 4 times and owe around 8 thousand dollars because my visits and meds aren't being covered, even though I have been violently ill. Pure waste of money.

New customers beware of letting bobs use your bank. My father-in-law passed away 9 months ago. Sent 3 death certificates with explanation. They canceled him ok but would not stop pulling premiums! Look out!

In September 2021 my father passed away. My sister was in charge of cancelling his medical insurance policy. She did that and provided the required certified Death Certificate to BCBS. The other day we were contacted by TD Bank regarding an overdrafted account. The account has not been used since dad passed away and was to be closed in 2023 once all final estate expenses are paid. Welllllllll, BCBS has continued auto debiting monthly insurance payments since dad passed away! SO now we/my sister needs to reach back out to the folks she talked to a year plus ago and have them refund over 12 months of monies! NOT COOL and a letter will go to BCBS Corporate/Office of the President. I wonder how many families they do this to?! Disgusting.

If you have any prescriptions Blue cross blue shield is the very worse.
I have only been in since July and every month I have had to appeal every medication my dr has prescribed. Look closely at the amount the cover 4600 for a year only lasted 3 months now every thing is out of pocket. Only for millionaires.
Run

This company is worthless when you need help. I called probably 30 times to argue a bill. The agents told us multiple times we were covered. It never was paid and we got sent to collections. I hope they have to shut their doors for taking advantage of customers. I took it up the ladder and even the manager would not help us when they said they would listen to the recorded calls and help us too. BCBS you should be ashamed of yourselves.

When BCBS was non-profit, before states transformed their Blues into public for profit insurance companies, they were much better as a company administering health insurance. Since your Anthems,. Etc have taken Blues for profit, covered medical care has plummeted, deductibles have spiked, rx formularies have really shrunk, because the patient or member is no longer the true Customer. The stockholders are. Last thing an insurance co wants to do in either health or property-casualty is pay out money that's due to people per contract. Going for profit dramatically exacerbates this mentality.

Bcbs does every thing they can think of to deny claims. If you have basic option under the federal program, be absolutely sure that every provider used is in network. A claim can be denied for anesthesia that could mean thousands out of pocket because it was billed from a different address even though the provider was in network. You don't have a choice of anesthesia provider used by the doctor doing the surgery and some of them use off site billing departments that are not in network. A couple of years ago I had to pay $1760. 00 for anesthesia even though the anesthiast was in network but the address of the billing company was not. I am having problems this year with three anesthesia bills for $600.00 each and one for $700.00 that were denied by bcbs. I would advise anyone not to use bcbs. This year because of OBAMACARE my catastrophic limit went from $5000. 00 per year to $7000. 00, I guess that is part of the $2500. 00 savings promised to everyone except me.