Name: BlueCross BlueShield
Rating: 2.6

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Stephanie Rose Saint George, UT

Blue Cross Blue Shield federal employee insurance doesn't care about it's insured!! Mom has multiple sclerosis and ehlers danlos syndrome. With both of those diseases she is constantly in a lot of pain due to issues with her back. She has had a discectomy, an operation to fix a herniated disk, and was told that eventually she will need to have her entire spine fused. Well a pain specialist recently put a light at the end of the tunnel. He told mom about a device, a spinal cord stimulator, that would be implanted internally to her spine and would override the pain sensors in her brain with pleasurable sensations or even no feeling! It was perfect! Mom was told this would be beneficial for her by her primary care physician, her neurologist, and her surgeon. They were excited that she would finally receive relief from her unending back pain. The pain specialist, Zion Pain Management, went through all the paperwork and found that the insurance required no prior approval for this procedure. With that in mind the doctors went ahead with the trial. It worked wonderfully! Mom had energy and was able to walk, sit, sleep, move, live without pain! But then Blue Cross said that they had not given authorization for the surgery so they were not going to pay for it. Then they claimed that this surgery was not medically necessary. They told the surgeon that he would need to cover the cost for the trial himself and that they would not pay for the permanent procedure. Because of that the surgeons would not move forward with the permanent procedure. Mom and all of her doctors have worked to overturn their verdict for over two months. Today though, Blue cross told mom that this surgery was not medically necessary because she was not in enough pain to warrant this type of surgery. She had not been on opioids long enough and had not proven that surgeey was needed. Who do they think they are?! They are using their own quack of a "professional" who from looking at a sheet of paper on a desk has singlehandedly decided that he knows mom better then all four of her doctors and that their four opinions are wrong. Screw them! Mom was crying after hearing their verdict. That pissed me off! Please share this around so that the truth of Blue Cross Blue Shield will be shown. They would rather their insured members be addicted to opioids and other harmful drugs then receive the full help they require. Screw them!!

6 years ago

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Rob C Montrose, CO

I lost my job and had to deal with the death of my mother-in-law all at once - during this process I enrolled in my state Medicaid. However, as I didn't physically call in during a 3-4 day window to alert Anthem of this, I was charged 6x more than usual. To clarify, my $100 bill turned into a $600 bill because I lost my job and was required to use state benefits. The state benefits canceled the tax credits that made my insurance reasonably priced and I was billed the full amount. This is an obvious mistake, and yet I was given no resolution other than the personal promise from an agent that it wouldn't be sent to collections. I was met with no compassion or attempt at understanding from any of Anthem's representatives - even basic empathy for my issue was lacking, dead-air was abundant as I sat and wait for answers from unseen supervisor chats. Thank you Anthem for adding another layer of grief and stress to my life, genuinely. Coping with the death of a dearly loved family member, the loss of my livelihood and handling the numerous affairs required after death - now I can have this black cloud of debt to Anthem hanging over my head, with the knowledge that I'll have no choice to pay it once I get employment and stop state benefits. I would also like to note a very important fact - I had not used it at all for the month I was billed, and the month isn't even over yet as of this writing. I was told it could not be canceled until the next month. The optimist in me says, great! This addition to my incredible stress will help strengthen me even further, but in reality I know I've just had my arm twisted by a giant company yet again, and any calls to reason or humanity will fall upon deaf ears. I hope that whoever reads this has it further reinforced that Anthem and the culture surrounding its representatives is more concerned with your money than your well-being, and this personal horror story will steer you towards a different provider.

6 years ago

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charlene dykes

Easy and efficient customer service. Reps are friendly and helpful. No long waiting time for rep to answer phone calls. Online service easy to access.

6 years ago

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Elizabeth Spunar

I have been with BC/BS for as long as I can remember. I have always had good medical care. Recently the company has changed. It's become more complicated and more expensive.

6 years ago

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Tina

They have been pretty good until the ACA screwed up the ins system. Now we have multiple appeals for meds that were previously covered but now are not, but BS did not inform us of these changes for 6+ months.

6 years ago

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Amanda O'Shields Columbus, GA

BlueCross BlueShield was my primary health insurance provider both through my employer and as an individual policy for 6 years straight. At the end of that time, the company canceled all individual policy renewals for the next year because of possible legislation changes that they as a company did not want to deal with adjusting in their underwriting. Any time in the 6 years that I needed customer service and called, the wait time was horrendous, the agent was never properly trained to do their job, the supervisors and managers merely wanted me to go away and the touch tone system always sent me to the wrong state. AWFUL company to deal with!!

6 years ago

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Suzanna Wootton Springville, UT

I had AMAZING coverage through Blue Cross Blue Shield! My copay was close to nothing and i loved being one of their customers. I wish i still had them!

6 years ago

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Misty Ward Buffalo Valley, TN

They are crooked and only care about their money. Even when a doctor repeatedly provides the medical necessity of a surgery for someone to regain any quality of life they deny coverage. Claiming not medically necessary. Why do I paid the high cost for coverage when it’s useless to me! When I need them to help me so I can walk and work they continue to deny coverage. This surgery is something I NEED to be able to walk and to hopefully be able to return to some sort of job to have a life again. No matter how many times they speak with my neurosurgeon through appeals or see all the tests that say this is my only option they say NO. Completely worthless. Worst insurance I’ve ever had and to expensive to not cover anything.

7 years ago

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Mitchell S Deerfield Beach, FL

I am on MyBlue. It is very difficult to find a Primary Provider, but I did a lot of research and he is working out well. It all depends on your main doctor whether this is a good choice for you.

7 years ago

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Gaju Shrestha Herriman, UT

I was with Blue Cross and Blue Shield couple of years ago and we recently switched again through my spouses job. It is a reasonable price for insurance of our family. Co-pays are reasonable price and most services are covered under our insurance.

2 years ago

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Marci Randall Sandy, UT

We have had BCBS for almost 20 years and we have been extremely happy! I feel like they have kept our copays low. Any time I have had a question they are easily accessible, friendly and helpful.

2 years ago

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Amy N Sandy, UT

BlueCross BlueShield was a very easy company to work with. The customer service was helpful and professional. The website was very easy to navigate and had lots of useful info.

2 years ago

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Brent Thurgood Spanish Fork, UT

For the most part I have been satisfied with BlueCross BlueShield. However it does get frustrating when insurance agents not doctors decide what medical procedures are necessary. My wife was suffering from frozen shoulder and needed a manipulation. The amount of hoops we had to go through to get that approved was frustrating but once it was approved they covered everything they said they would.

2 years ago

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Marlene Coville Blakeslee, PA

Blue Cross Blue shield has always been my best healthcare with my working life I would never want to go with a different healthcare provider. Very easy to work with and always answers my questions.

2 years ago

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Tate Huber Phoenix, AZ

This is my current health insurance provider. Their customer service is usually really helpful. I don't have to contact them often for myself, but by wife has several health issues and reaches out to BCBS at least every month or so and they are always knowledgeable and friendly.

2 years ago

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Daniel Cebrero Henderson, NV

All my employers have used this as health insurance. It’s always easy to show up and use it at any medical location and it’s a great value for the money and I’ve never had an issue when using them.

2 years ago

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M. Nielsen South Bend, IN

Great customer service their agents are so helpful and take the time to help you understand your benefits and policy. I made over 50 calls to them over the past year and my questions were always answered to my satisfaction.

2 years ago

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Nashali Vescovacci FL

BlueCross BlueShield's health insurance is not the best. It did not cover a lot of services that I needed. They have a limited variety of doctors that are in network with them so it was hard for me to find services that were covered by this insurance. However, they had good customer service.

3 years ago

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Destini Ferguson Tallahassee, FL

My father put me on his plan and I've never been turned away with this insurance! Also, the customer service is great. The representatives know what they are doing, quick, and friendly.

3 years ago

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Alicia Turner Denver, CO

Blue cross blue shield has good coverage and has to be accepted everywhere that accepts blue cross for the specific state. They can be hard to talk to and actually get answers. It can be hard to get things approved but the more information sent to them the better.

3 years ago

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Anne Sainsbury Orem, UT

I had BlueCross BlueShield coverage for about 4 years and enjoyed my coverage. Customer Service was very helpful when I needed revisions made to claims. Definitely would recommend using their service!

3 years ago

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Brycen Blater Phoenix, AZ

Offers good insurance that gives a wide variety of benefits. I miss the rewards from back in the day though. It was really easy to get in touch with customer service when I had questions about billing.

3 years ago Edited September 14, 2021

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Dave Spokane, WA

The best thing about Blue Cross Blue Shield is that they have such a large network. I've never had an issue with a provider being out of network. Even my college kids in another state generally have no problem with the provider they choose being in our network.

3 years ago

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Rhona Leffler Olney, MD

The number of providers that take Blue Cross Blue Shield insurance is great. Plan documents and EOBs are very easy to understand. Depending on the plan you select, benefits/coverage is good. I also like the ability to get paperless billing and submit payment and claims online.

3 years ago

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Vicki H. Poolesville, MD

I used BlueCross BlueShield with the last company I worked with. They had reasonable rates and good coverage. I always had good service from them and no problems paying any medical bills covered by the policy.

3 years ago Edited September 14, 2021

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Jun Chen Rockville, MD

We are custom for bluecross blueShield more than ten years. The health insurance cover all we need and we are very happy about its customers service. However, recent years its price increases a lot , the service is almost the same.

3 years ago Edited September 14, 2021

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Jason Burt Riverton, UT

Very expensive compared to health insurance company that my employer used. Have also had some issues with the company's practices: telling us we need physical therapy before surgery that the doctor did not say was needed, and telling us that therapists at our local hospital were not covered by our insurance, only to find out later that they were.

3 years ago

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Morgan Knight Salt Lake City, UT

BlueCross is an incredible insurance provider. The coverage state to state was amazing, which alway gave a sigh relief when traveling. The plan we were on was amazing and covered so much especially when we had our daughter.

3 years ago

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J. Dillon Elk Grove, CA

I have been with Anthem Blue Cross for many years and have had nothing but the highest quality service, with quick referrals to specialty medical professionals whenever needed for health concerns.

3 years ago

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TPat Cottage Grove, OR

I have been with this company over 20 years. It started when I was working. until then I had no problem with them other than the fact they tried to give me a hard time about a medical condition. that was caused by my job. The problem is now, they have become secondary telling me Medicare is now Primary. so I am paying the same rate I always have, and they want Medicare to pay for my treatments? This is unfair to me.

3 years ago

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Tj Carrell Hendersonville, NC

I've been with them since I went to work for the USPS. I feel they do any excellent job and the costs are reasonable. I would recommend them to anyone. I'm keeping them as secomdary insurance now that I have retired.

3 years ago

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Steve Banks Jr. Seattle, WA

Through my wife's company, they have secured our health for over 15 years now, I have nothing bad to say about my coverage. The bills are always clear, and the network is easy to browse for services offered

3 years ago

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McKenzie Logan, UT

I have spent a lot of time on the phone with Blue Cross as we have a son being treated for leukemia. They have been so helpful and answered every question that has come up as we have navigated through this new diagnosis. They have well trained staff that have taken time to dig through our records and find the answers we are looking for.

4 years ago

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Amy Barrus Sandy, UT

Blue cross blue shield has taken care of our medical needs for the most part. I would like to see insurance companies, on the whole, care more about their customers and take care of them rather than having a nickel and dime approach. I like that BCBS pays 100% for immunizations.

4 years ago

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Chelsey Smith ,

We have had health insurance with Blue Cross Blue shields for 7 years. I appreciate my online experience with log into our family personal account. I am able to see and understand my bill.

4 years ago

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Danielle Powell Gulfport, MS

I love the fact that I can earn wellness money for doing things that I need to do. I can use this money for copays and meds. In addition I feel like I can persue wellness visits to stay healthy.

4 years ago

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Sks1969 Carlisle, PA

Absolutely love our Blue Cross Blue Shield coverage! We have had them through different employers and Have never had an issue with the company. Our only issues were the coverage that our employer chose

4 years ago

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Nathan Broomfield, CO

I have always been impressed with the quality and quantity of coverage I have gotten from Blue Cross Blue Shield. They have helped me get through some very trying times and pay for my medication!

4 years ago

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Wayne Young Little Rock, AR

I have never had any problems with my health insurance thanks to BCBS. They always cover my expenses just as promised. They provide good and thorough information in the mail about any claim also.

4 years ago

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Kathleen D Huber San Diego, CA

Blue Cross Blue Shield was my primary insurance for years until I became eligible for Medicare. It’s great insurance and I rarely pay any out of pocket expenses except for any prescriptions I may require.

4 years ago

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AF ,

For the most part we've been happy with BCBS. However, I did have a recent experience when I had found a doctor in network (on their website) and then 2 weeks later at the appointment, he was no longer in network! Somehow, the doctor was no longer on their website. I'm not sure if this is something that BCBS could even control, but it would have been nice if they would alert or let me know that it had changed.

4 years ago

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Michael Lait Enterprise, AL

I have to say that overall Blue Cross Blue Shield is a good company to work with sometimes they’re aggravating but what health insurance companies easy all the time. I feel safe with them being my insurance company as they usually have decent coverage for my wife and I.

4 years ago

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Regina Shengulette Rochester, NY

I have been with BlueCross Blue Shield for years and love the fact that there are various plans to choose from and I know exactly what to expect with my money when it comes to medical coverage.

4 years ago

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peanutbutter424 Manhattan Beach, CA

They dropped me twice because they failed to do AutoPay on Multiple Occasions. They probably would have dropped me a THIRD time, but I called them to say, "Are you taking the AutoPay this Month?" They said, "No."....What??? I had to check on them to make sure they were doing their job of GETTING PAID. They put my health and well being in jeopardy over something as simple as withdrawing their money every month.

4 years ago

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Patti Miller ,

I had BC&BS for 27 years through my work place. Never had a claim denied. Not alot of time pasted before payments were made. Customer service was always available to answer questions.

4 years ago

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BrooklynWriter Brooklyn, NY

As a long-time customer of BlueCross BlueShield, I've had multiple interactions. The upside is that the network is extensive, especially on a PPO plan. The downside [and maybe this is managed by CVS Caremark] is that it's been so hard to get approval for certain drugs -- especially related to cancer.

4 years ago

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Brayden Ibert Houston, TX

My family has had BCBS for many years through my mom's work. We like the website features and that the insurance is widely accepted. Their response to an out of town emergency surgery was outstanding!

4 years ago

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Kimi Bayles West Valley City, UT

BlueCross BlueShield has the number one best customer service! The call time wait to be helped was minimal, my questions were taken seriously and I felt I was treated as a valuable customer.

4 years ago

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take7 Sandy, UT

We didn't last long with blue cross blue shield. It was hard because the doctors and hospitals close to us we had always used didn't take them. I had to find new pediatrician. When I called customer service a couple times because I was trying to find details on coverage and places to go they kept referring me to my policy. Isn't that what they're there for? to help with that?

4 years ago

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Dwhoush Theodore, AL

Any questions I have about my insurance are always answers very quickly. Everyone on the phone is nice and all the literature Blue cross gives out is helpful. The biggest concern I have with BCBS is a lot of the providers in my area don’t take it.

4 years ago