BlueCross BlueShield

I am a retired federal worker, and I settled on Blue Cross Blue Shield since it covers implants unlimited number of teeth. I called them before enrollment, and they confirmed that. Based on what they told me I proceeded with an oral surgeon for the implants. Now I have a lingering bill of almost $5000.00 unpaid for bone Grafting. BCBS claimed that Doctor should have sent a pre-authorization first. Lost appeal twice and still not paid. I advise you to read between their policy lines before you will be deceived otherwise. Not a good a choice. Now it is a new enrollment period and time for change. Thye really deserve less than zero after all.

The worst insurance company for filing a claim. I submitted my claim twice through the claim portal, but it never showed up in my account. I tried Faxing it more than 10 times, but the Fax machine would not connect until the third or fourth time, and when it did connect, it would only accept 2 or 3 sheets before disconnecting. When contacting customer service via phone it's like pulling hen's teeth to get through the computer. For the amount of money they charge you would think theirservice would be better than this. HORRIBLE SERVICE

Once my dentist went out of network, trying to get reimbursement led to multiple calls with one agent after another being less and less helpful. We will opt of this insurance ASAP. 1 star is too high a rating for BCBSM Dental

I've had BCBS FEP Blue Dental for several years and their convoluted processing of claims, 1st through health and then to Dental is a recipe for disaster. It is confusing and results in multiple submissions and phone calls to customer service to get paid the minimal amounts that they cover!

Blue cross (MI) states that they cover maintenance twice a year but they DON'T TELL YOU is that you must wait 6 months between cleanings or they won't cover it. AND, they carry over the 6 month wait from the previous year if you had coverage from them last year. This horrible policy forces you to pay premiums for coverage that you are not receiving, therefore, it is essentially fraud to take your premiums for the full year but deny coverage if you mistakenly have a treatment less than 6 month from the prior year. Keep away from any insurance company that forces you to live by their hidden rules instead of your own needs.

This company is the absolute worst insurance company I’ve ever dealt with. I shopped vigorously for a dental plan in the fall knowing I’d need some dental work done. Got in touch with blue cross blue shield and specifically asked “do you cover crowns?” I was told yes and specifically referred to a 47 page manual that explained their policy in depth. Nowhere in this manual did it even hint that crowns weren’t covered. In fact, it detailed how they were covered at 50%. The manual had an entire section of what wasn’t covered. Nowhere in that section did it even mention the word crown. Based on this I purchased the plan. I had multiple crowns done and to my dismay the company now refuses to pay the claims. They are trying to tell Me the tooth wasn’t more than 50% decayed. Nowhere in their policy does it talk about ratios that teeth need to be damaged to obtain a crown. Acting on the opinion of multiple dentists I obtained crowns to fix my teeth. Had I known that for this company to cover a crown the tooth had to be more than 50% decayed I obviously wouldn’t have gotten their policy. Again, they can’t point out where in their policy this is listed. They simply don’t want to pay the claim. Bottom line is they will take your premiums with open hands and then find a way not to pay totally legitimate claims. I had to give one star because zero wasn’t an option.

I'm retired Civil Service using Benefeds/OPM contract with BC/BS Fed VIP Dental. The Dental coverage is a scam. I live in Rehoboth Beach, DE, where there are no in-network dentists within a 35 mile drive . However there are several available in NJ on the other side of the Delaware Bay. BCBS actually sent me a note saying they expected me to drive across the water. The reason for needing a dentist is because I need a molar implant. Implants are on their schedule, but BCBS has told me they will NEVER do implants because there are always cheaper alternatives. They demad I pull out all the rest of my teeth because "dentures are cheaper than an implant." I called OPM where I was told they didn't look at the terms of the contracts. They sent me to BENEFEDS where they told me the companies are the only ones who can look at their own contracts in a stab at self-regulation. I am going to all review sites to uncover this scam.

Absolutely terrible and scammy packages I recently got PBC. (November 2018) Was told had to wait 3 months. To use dental BENEFIT okey. Fast forward to January Get cleaning (my usual WITHOUT coverage is $89) Get cleaning. Go pay. $180+ how do you figure. They covered 80%. 80% and i have to pay $100 more then typical visit without health coverage I almost canceled PBC THAT DAY. but. I decided to give it a chance. Fast forward 3 more months (6 months in to the plan at $300 given for the payments). Costco. Sorry we don't file claims for you. You'll need to fill the prescription then file it yourself. so is it covered though or not ‍ we don't know and you won't know until you file it. So you're saying it could be not covered yes. That's possible. Okay. Paid the $48 Go home to file. They said it's easy. Fill out the boxes on the app and send us pic of receipt stub from pharmacy Did it. Came back. Rejected Called them. Oh. Most drugs aren't covered Well the why on earth am I paying you like $800+ a year ‍. Nothing is covered and even after that huge amount I'm still paying per visit or per prescription. It's a rip off. My annual costs are as follows without health and dental coverage: $100 ($50 x2 a year allergy meds) $100 eye exam $200 contacts $89 dental $89 dental Total: $600 My needs. About $600 my payment is almost $800 with PBC, but with PBC after paying $800 I'll still need To pay $180 dental my "share " $180 dental $100 eye exam $100 contacts ( not fully covered) $100 meds (nothing covered) Total additional costs: $660. So grand total of $1460 with blue cross. Or $600 stand alone without health dental‍ DON'T GET INSURANCE THE ONLY BENEFIT IS TO THE INSURANCE COMPANY (how else would they make money should of known) don't fall for it. It's stupid.

I have worked in dentistry for over 25 years. BCBS (especially Arizona) does not pay for out of network dentistry. We have to turn away so many patients that have this insurance, because it pays SO bad... and it is NOT worth it to be in their network. Their reimbursement (fee schedule) comprimises our standard of care. I sure wish they would do better on the PPO plan!

Do not, and I say again, Do Not have anything to do with this insurance company. They will take your money and never pay up when you need them. I was told that my "High Option" coverage would cover my wife and I for almost any dental procedure and pay 40 to 50 percent of the costs. After $20,000 worth of dental work done on me, they paid $1,704 or 8.5 percent. My wife had a $7744 bill and received $1,012 in coverage or 13 percent. Now I ask you, is that how a company treats a Vet and his wife after 50 years of service to his country? These people are disgusting!

Horrible dental plans with deceiving titles. I have the "preventative plan" (sounds good, right?) which costs me $23.85 per month. The only thing is, no on in my area accepts it. So, I went to a dentist in my local "rural" area and had x-rays and caveties repaired. Blue Cross will cover 5% of the bill, after my $250 deductible is met. What a scam!!!

Horrible Service. They told me they had "forgotten" to file my paperwork after making me wait 30 days to go to a new primary detnist. Not only that, then the dentist told me I wasn't in their system and had to wait until FEBRUARY OF NEXT YEAR (its august). This insurance company SUCKS. Their app? SUCKS. They told me random providers get added in their app that you arent covered by and they don't know how to fix it. This company is sucks.

After being a loyal customer for 22 years they refused to investigate a mistake that they made on automatic payment. Very dissatisfied with customer service of which the lady i spoke with was Very Rude and refused to find a solution or admit fault. If you are looking for a dental plan i would definately consider other options. Service is terrible.