Name: BlueCross BlueShield
Rating: 2.7

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Eve Blackwater Queens, NY

They denied coverage of a necessary, time sensitive procedure that they are required to cover because of a receptionists mistake. They are not willing to consider reversing this, even though I meet the criteria. We’ve wasted two months dealing with them and it’s so sad, frustrating and exhausting. The procedure is $30,000 and we should have started 2 months ago.

2 years ago

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Igwe Matthias Xll SC

What is the grace period policy of BCBS so ruthless? Why would it take 4 days to remove a grace period when people get their account up to date? You are dealing with people's health and life. That policy needs to be reviewed and removed. When an account is up to date, there should be no restrictions.

2 years ago

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Lauren McDow Cambridge, MA

DO NOT call the nurse line for anything. You’ll be better off googling symptoms! They called 911 and made me stay on hold then 911 basically told me off. I don’t even have anything serious that I told them about. Basically you call the nurse line about something simple and they have to call 911 no matter what so they don’t get sued. Useless. Don’t advertise a nurse line for advice when that’s NOT at all what it is. Now I just feel bad about wasting 911 time and right where I started with a simple question.

2 years ago

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Kerry Harris IA

Can not get them to pay for medicines that prescribe by my doctor been fighting over18 days to get it approved they think they're smarter than my doctor Said that medicine was not on her list to Be covered but can't prescribe anything that's on their list Just keep on a more and more and more notifications and documents from the doctor to keep from paying

2 years ago

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Doug Braam Durango, CO

What a garbage company. I've been having treatment on my knee for years. This year my wives company decided to switch to BCBS. Now THEY have decided my treatment isn't medically necessary. Now I have to wait for my knee to blow up like a balloon, get it drained then injected with cortisone. Now my knee gets to degrade at a much quicker rate and I'll be getting a joint replacement in half the time. Trash company run by trash people. 0 stars.

2 years ago

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Elizabethdmy Poway, CA

Their benefit plan through Whole Foods seemed good. That is until they accidentally wrote me $12,079.65 worth of checks during the holidays. Then my provider contacted me asking for the checks. They said I have to sign the checks over to to the provider, and they cannot cancel the checks, because my name is on the form. If I do not I am responsible for the full amount, or it will ruin my credit. And now people are accusing me of fraud. I did not fraud anyone. You accidentally wrote $12,000 worth of checks TO THE WRONG PERSON!!!

2 years ago

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Jo Ch Saint Johns, FL

They give wrong info about coverages. They do not provide what is covered and what’s not. Instead hey want the patient to get the procedure done the.y then want to enter the claim and CPT codes into system to find out if the procedure is even covered or not. If it is covered what percentage.. Very awful company esp when a patient has some serious health issues. STAY AWAY FROM THIS COMPANY.

2 years ago

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Outraged Customer Las Cruces, NM

My wife was scheduled for a screening colonoscopy. She checked with BCBS New Mexico to ensure that the surgeon, the surgical facility, the anesthesiologist were all in network. The doctor got a pre-authorization code. On the day of her procedure, AFTER she had the procedure, Blue Cross called the doctor's office and said they would not pay for it, and would not pay for any follow-up appointments. Outrageous!

2 years ago

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Amy Johannesen New York, NY

Empire BlueCross Blue Shield plans on NY State of Health are awful. They have very few doctors on them, mostly nurse practitioners (who do not have an MD). The service is ridiculously bad - it took me HOURS to change from a randomly assigned PCP to one of my choosing. This was for the premium "platinum" plan which is over $12,000 per year. Absolutely not worth the money. Slightly lower deductible; appallingly crappy service.

2 years ago

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Luke Swierczynski Troy, MI

Best insurance especially in Michigan from my experience. Seems like most office accept them and they're a great value through my employer.

3 years ago

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Tanya Boston, MA

A terrible site providing misleading and incomplete information. Incompetent customer service - long wait time, rude and unprofessional. representatives. The same with the chat - it took 30 minutes to get a simple form. Even more, the representatives provide incorrect information, their managers give promises that they never keep. Impossible to reimburse a claim.

3 years ago

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Ashley G Houston, TX

Would not even give them this start they stole money out husbands account 2 times amd when tried to get our refund they claimed they mailed check for 1 but never got it. And when you call customer service non of them speak English very well. But comes back and says on our end it only shows 1 time and we sent you a check and when I said nope there is 2 they got quiet cause we had bank statements to prove it.

3 years ago

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Amena Schultz Seattle, WA

The claims department is scared to do the right things and the customer service agents are lying and being rude to people. This comes from a specific person it seems, that doesn’t cater to people! Done!

3 years ago

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Sean Bonser Indianapolis, IN

Went to the BCBS website to find an in network doctor. Got a physical done and then got hit with a bill and BCBS saying they JUST updated their terms of service and they wouldn’t cover my visit. Absolutely terrible, go somewhere else for coverage. This company only cares about its profits and not its members who pay them monthly. I didn’t realize you could pay a company so much money just for them to deny coverage and laugh to the bank

3 years ago

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Lily Lafleur Norwalk, CT

The WORST Insurance company that ever existed! They don't cover MANY blood tests and other things most other companies cover, you wait on hold forever, the workers are rude..this is a GARBAGE health insurance company! NBC Comcast Universal switched top them from a fantastic company a couple of years ago and it just shows you how they feel about their employees! The don't care and this health insurance company will make you sick with stress and grief!

3 years ago

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Poe Houston, TX

A medication I have been on for over 10 years now requires my physician to call BCBS to be approved. While that is annoying that is not the reason for my bad review. They approved a prescription in the summer of last year yet decided on January 1 of this year the prescription that is good legally everywhere else for a year is no longer approved. My pharmacy called me to let me know it was no longer covered so now my doctor has to call them TWICE for one prescription because they can do whatever they want. This is ridiculous that this is allowed by any company.

3 years ago

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Child of the Queen Washington, DC

I have been trying to get through to a CSR for over 3hrs. to no avail. The hold time is over an hour! I stepped away and came back to call again.. was on hold 30mins for someone to disconnect the call w/o ever saying hello! How is this acceptable? I can see why people are thinking differently of this insurance lately! Also BCBS direct website is almost ALWAYS down! Why is the hold time sooo long??!

3 years ago

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pola Avramis New York, NY

Customer service is awful. Got an out of network operation. Was told after $1800 dollar deductible they would cover 60 percent. Recieved bill there were many costs they didn't cover for one reason or another. I explained you record all conversations go back and listen. They had an excuse for everything. Disgusted, sleezy company. With the experience I had find it awkward so many 5 star reviews. Makes you wonder where the reviews are coming from.

3 years ago

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David Quintiliani Quincy, MA

I am told by BCBS that my medication for Diabetes 2 (Invokana)is too expensive and they wont cover it anymore. This has been the BEST medication for me and despite 3 calls to customer service (first 2 calls were disconnected when I was told I am being put on hold) and on the last effort I was told there is no option but to pay out of pocket. The cost for BCBS is already expensive and certainly not offered any solution expect to change my medication. No concern for HEALTH from BCBS in this case.

3 years ago

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Logan McKee Austin, TX

Imagine being a very healthy family of 3 and having to pay a little over $500 a month on health insurance. Then, Imagine going for one 25-minute doctor visit and having to pay $165. Well, sadly this is the reality for my family. Health "care" in America is broken. It is disgusting how much money people pay. Dare I say, this is borderline corruption. My doctor was great, but the bills/payments from insurance are terrible.

4 years ago

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Kathy Faustin Jacksonville, FL

This is the only health insurance I’ve ever used and is has saved me from spending hundreds of dollars after my appointments!

4 years ago

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Kevin Phoenix, AZ

I will start with I have never dealt with a company that is so hard to get a human on the phone not to mention one of the worst aitomated systems I have ever worked with. It cannot decifer the difference from 0 to a U. I would not recommend working with an establishment you cannot get a hold pf. Also my wife wprks pn verification which is another angle blue cross and blue shield struggle with. I would reach out to USAA to acquire a real interactive system.

4 years ago

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Karina Houston, TX

Awsom I had 0 problems with my insurance , they are very accessible and flexible with everything to I need. Thank you!!!

4 years ago

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John Banks

I like the experience that I have had with the exception that if you misplace your prescription card its a little hard to get CVS to fill you prescription.

4 years ago

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Alexander Johnson Burbank, CA

I had an hmo plan and that bad boy didn’t really serve me well. Had the hardest time finding coverage for simple things. Way too many referrals and lots of waiting for tests to be cleared

4 years ago

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Nancy A DeNault

Love this company. They call and give you a welcome. Easy to work with. If you have a question just call them. They are always ready to help you.

4 years ago

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Jean

Readily accepted by variety of physicians in my area; premiums have increased to the point that my former employed recimmends Aetna as well as Blue Cross Blue shield

4 years ago

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Amal Sweis

Excellent experience. Everything I needed I just visited their office in Little Rock and talk to our agent who was great and helped in any inquiry

4 years ago

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Richard Vanderstek San Antonio, TX

The worse ever! I have never been so mistreated by a company in my life. Their error cost me 3 weeks of having medical insurance, and I still had to pay for the full month of coverage so I did not lose coverage. I spent over 6 hours with them on the phone fixing their error... time toilet! Integrity is just a word. If they were a retail store they would be out of business.

4 years ago

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Mickey Mangum Long Beach, MS

I am a state employee and we use Blue Cross Blue Shield. Every claim I've had has been handled quickly and professionally. I would strongly recommend them.

4 years ago

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Sam Tilbury Wichita, KS

They are literally the worst company that you can have as your insurance provider. It's the most expensive with the worst service. I get snarky responses from everyone I speak to at BCBS. My policy is nearly $500 a month and hasn't covered anything at all. I had a painful bleeding lesion on my head and had to have it cut off, NOT COVERED! Every time I go in, nothing is covered by insurance. It's a total scam. When I have called in for help with my policy, the just tell me to read it myself. What a horrible experience and a huge waste of money. Pick a different company!

5 years ago

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Denis Kharin Quincy, MA

BCBS is very expensive insurance that dont covers what you might need. I found BCBS is also very basic insurance. 600$ a month is just to much for not covering a lot of stuff. Unfortunately my employee choose them, even 100$ that I contribute isn't wort what they covering. 2 stars just for the name.

5 years ago

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Skip Ocala, FL

Terrible experiences! BlueCross will not pay our dr. for their portion after Medicare. We have contacted them over and over again and get nothing but excuses or even "I don't know why we didn't pay that" but still would 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. The plan I have, I am not suppose to pay any co pay. My premium to BlueCross are is paid every month on time and are high. I am dropping BlueCross.

5 years ago

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Sara Smith Arlington, TX

I will tell you from 1st hand experience, this is the worst insurance ever!!!! They do not keep up to date with National Coding Guidelines. Deny claims when they shouldnt. Request refunds instead of reprocessing claims. This used to be the best and has now worked their way to 1 of the worst!!! If you want an insurance that processes your claims timely and correctly, go elsewhere. This is NOT for you! If you want to do unnecessary foot work and have time to waste by all means......apply to BCBS!!

5 years ago

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Betty Y Rogers, AR

This is horrible insurance, it doesn’t cover cost of medication. Customer service won’t reply and when they did finally it was so rude and disrespectful! I am looking into new coverage now. I am sure they won’t post this but by the slim chance they do, any customer concern should be treated with respect! Lord forbid I get sick and need this till I can change care!

5 years ago

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Chery Steffey

Like them they are helpful with referrals and our plan has lots of room to make our own decisions. They could improve their negotiating skills with UPMC

5 years ago

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Lois Clyde, NC

First; 3 times asked for home visit to be done with both my husband and me. He had dementia and was very confused. Nurse called and wanted to come to see me only I refused. Second: Now a few years later I am on a patch for neuropathy that they will no longer cover $$$ so instead I will be on two more oral medications?

5 years ago

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India Martin Raleigh, NC

I'm very very disappointed with this health insurance. I thought for sure this would be the one we could call the ONE ! Best INSURANCE BLUE VALUE BUT I GUESS NOT!!!!IF THEY FEEL LIKE U SHOULDN'T GET HELP WITH THE DISCOUNT THEY WOULD FIND AWAY TO SAY YOU MISS A PAYMENT OR SHOULD I SAY ALMOST ALL YOUR PAYMENT S. 3 OUT OF 5 NOW I DONT KNOW what happened with the Billing department on canceling our payments but its Okay Cause my Father Sits high and looks low .... HE KNOWS WHAT WAS DONE ITS OKAY ....THAT'S FINE TOO...😥

5 years ago

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Alice Olympia, WA

Theyre absolutely useless. I have 2 insurances and BlueCross refuses to pay anything. Instead insisting that my other insurance foot the bill even though BlueCross is the primary. Because of this. Neither will pay and ive been paying for all of it out of pocket. On top of that, their customer service is so bottom of the barrel and useless that ive been redirected down countless rabbit holes over the last 2 years just to get my policy terminated. BlueCross BlueShield is by far, the most useless and detrimental insurance you could come across. Avoid it like the plague, theyd do the same to you.

5 years ago

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Lesha Stem, NC

insurance should work for the people i was getting my diabetic shots for $25.00 a month $75.00 for 3 months at my pharmacy with a coupon now i am told i have to go thru express script that will cost me $178.00 for 3 months cant do pharmacy but 3 times. this adds more cost to your customers on top of what we are paying already. why does it matter where we get meds filled if it save us money what i pay a month for insurance is already enough now they cant work with saving customers

5 years ago

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Steve E. Evansville, WI

Darn! We got stuck with Blue Cross Blue Shield of Michigan again. I checked their internet site and it said go ahead with the physicals for my wife and I at UW Health Hospital. Well we did get the physicals and also got a bill for a Couple of thousand dollars. When I called them and said their site said it was ok they said NO. You have to call them on the phone to get approved first. So be very careful and document anything you want done and I would call and get approved by at least 2 different people, get their names and have them email you the approval for doctor visit.

5 years ago

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Emily San Diego, CA

BCBS is the worst Health Insurance company I've ever experienced. 2 Knee surgeries in a year and they refused to pay for barely any physical therapy. I paid over 4000 dollars for REQUIRED physical therapy. They are extremely slow to follow up or don't call at all, and repeatedly gave me incorrect information of who I needed to contact to get appeal information.

5 years ago

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WLF Mebane, NC

Having ro change most of my Drs. as BCBS dropped Duke/Wake Med,had to argue multiple times to get necessary procedures covered one timw they pay the next they don't.They have lowered premiums but a procedure I had done in 2018 that cost me 1400 i now have to have on my other side one year later at same facility exact procedure on plan they said was comparable to my last year's which they no longer offer by the way is costing me over 2400 how is this comparable.I am so sick of this company NC insurance regulators need to do in depth audit of all this companies files .

5 years ago

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C Reid Old Lyme, CT

I have never seen such a poorly run insurance company. In an effort to research my costs prior to seeing a dr, I was told by the dr that I could call my carrier to find out the cost for various ppt codes that they get paid by BCBS. I spent the better part of an hour on the phone with several reps who ran me thru the ringer and would not give me the info I needed. Not only is the premium amount crazy but the service is horrible. I would never recommend this company.

5 years ago

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Alex St Louis, MO

Obscures your plan on their website, bounces you around and hangs up on you if you call, won't notify you if you have outstanding bills. Most health insurance companies are bloated and have a poor record of service, BCBS is no different.

5 years ago

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MichaelDamico Kansas City, MO

Very positive experience. Fair negotiators and if there was more they could do, maybe a better wellness program with a more user friendly website.

6 years ago

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Allie

My experience with blue cross hasn't been that great. I pay them every month and still have worthless coverage. That's why when I had Kaiser insurance I preferred them over blue cross. But now I no longer have Kaiser and now I'm stuck using Blue cross blueshield.

6 years ago

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Mary Anne Kornbau Arlington, VA

Terrible. They lose claims sent by me and by my doctor's office. There's no certified mail option because all claims go to PO box. Prices have skyrocketed coverage has decreased. Don't cover services I need and I have the gold plan. $900 month with deductible of $14,000 in network. Repeated calls to customer service result in different answers each time, none helpful

6 years ago

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Peter Vanderslice

Excellent. I just had a series of heart attacks and they paid for the helicopter ride and a $113,000 of hospital expense.

6 years ago

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DaleB

I like their overall handling of my health benefits. I think they could be more proactive when it comes to preventative care.

6 years ago