BlueCross BlueShield

BlueCross is the insurance company I have used my whole life before and since I've been employed. They're definitely trust worthy and have decent rates for educators! Family plans are expensive, but luckily my wife and I have our own insurance through our separate work places.

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.

I have never been turned down for my insurance. I have always had a small copay and that was it. I am thankful that I have such a reliable insurance company because I almost never have to worry if it will be accepted.

Best insurance company to have! They have helped me so much when I’ve needed it and are currently covering all kinds of things for my pregnancy. I would recommend them to anybody!

We’ve had BCBS federal for many many years and the coverage and incentives are the best around.

Costs go up and coverage goes down every year. When my husband had an accident years ago I had to fight with BCBS to get the necessary services covered.

Pretty good coverage and customertomer service. Overall happy with company, but some fees and coverages are not as good to help the individual as they could be.

The insurance is really good (10 years). However, if you are looking for customer service, you will always be frustrated. After waiting on hold for 1 hour plus, I was transferred to wait again. Only to receive another phone number to contact for my answer.

We’ve had this insurance company for an entire year. Because were a small business owners we pay quite a bit per month. It was one of the better costing insurances for our needs. We did have a really high deductible and this year it raised another $500 so that sucks. But considering I had a High risk pregnancy last year and babies Born more than nine weeks early we definitely got the better end of the deal with insurance. There are a few things that I felt like should’ve been covered that they kind of squeaked by and didn’t pay for. There’s a few prescriptions that I felt like when the doctor prescribes them they should pay for. But at the end we went back with them again This next year

When my husband was out of work we were still able to get great insurance at a great price to put our minds at ease until work was found again.

I'm convinced I have the best insurance in the world. Not only is my coverage great, but the online tools are so easy to use. I can easily find out if I'm covered and where my local providers are that are in network.

My husband and I have this now, and I'm grateful we do. Our plan is perfect for us, and BCBS is a wonderful organization to work with when it comes to our health.

Not my favorite health insurance. They were better towards the end but earlier they had issues calculating my yearly total and not sure it was all their fault. I wish more people would accept their fees.

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!

My insurance for quite some years now. Great service and my copay has always been $25.

Had Blue Cross/Blue Shield for a number of years while living in Idaho. Provider network and customer service were both pretty good.

I have never had any issues with this company. They are decently priced and cover a multitude of tests and procedures that my family has needed, without hassle. They are also very cooperative with my son's doctors when a peer-to-peer review is necessary.

Great options to choose from and easy to work with to find doctors for our family.

The company I worked for used BCBS as the plan administrator. The company was self insured. Far too many times claims were denied by BCBS that were allowed by the previous administrators. Example: My doctor and I read the report after the peer-to-peer was denied (final step of appeal) and couldn't believe what we read. BCBS found a doctor in their BCBS Florida network to write that a RFA would be unsuccessful if the back was fused at any location. My wife's back is fused L4-S1 and the RFA was at the T5-7 area. We worked a payment with the doctor, but considering the RFA was so successful my wife stopped her Oxys, it was worth it. Now that we're Medicare, which covers RFAs, we will never use BCBS for a Medigap policy. RFA, Radio Frequency Ablation, is a procedure where a probe inserted in the spine zaps a nerve to "numb" it, lasts about 18-months. Doctor claims are around $2200, of which insurance allows about $800. Maybe if insurance companies paid for procedures like this fewer people would be on pain pills.

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!

They try to get out off paying claims! They try to over rule your Doctor by requiring pre approval for needed medication or forcing you to take sub par med and failing two cheaper meds before allowing the meds your doctor recommends because the are needed or work better..

Have Blue Cross for 20 years now. Premiums are reasonable and my doctors are in the plan.

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.

I had BlueCross BlueShield for a couple of years and thought they did a great job supporting us as we needed to use them. They were responsive and quick to pay. They didn't have as large of a network in my area as I would have liked but we were able to make it work.

I have had blue cross blue shield for years and I’m always impressed how many medical providers are on their preferred listings.

The coverage from Bluecross blueshield was good. The only problem is that they do not cross state lines very well. We traveled to another state and needed some medical attention and there was difficulty getting things ironed out over that claim.

We currently have BlueCross BlueShield for our health insurance. They have many physicians to choose from and they have a great co pay as well. We have been really happy working with them for our health needs.

Blue cross calls me to make sure I don’t miss going to the doctor and they are very happy to help and get you information you may need.

We were searching for private insurance and got an estimate. It was so much higher than the other companies that we looked at that we went with another company.

When we had BCBS, I loved our coverage! They covered a wide variety of providers and services and were prompt in paperwork.

My husband is retired however we are blessed with BCBS of Texas through his former employer. He pays nothing for his and the cost for mine seems to be very reasonable. We are overall very pleased with the coverage.

Most amazing insurance I ever had. They were fantastic and covered everything. The customer service was especially helpful. No hoops to jump through.

Although it was very many years ago that I used this insurance, it was a positive experience, no major issues with the billing process.

We are fairly new to Blue Cross Blue Shield but we haven't had any problems at all. All of our favorite healthcare providers accept this insurance.

This is my new health insurance from my company. WE had a different health carrier for the past few years but the company switched to BCBS because they offer more for the premium. So far so good.

This is the insurance we used to have. The were GREAT! We could do whatever tests the doctor wanted/needed done without any pre-approval. They would pay their share without any issues at all

We have used Blue Cross Blue Shield for our health insurance needs for many years. We have never had an issue with claims. We love that the company now offers an app, with instant and easy access to our account. With few exceptions, we have felt that the coverage is good, with good options and choices for providers.

My husband and I have been fighting with blue Cross and blue shield for a while now. My husband and I have been seeing a doctor for about a year now and we have gone in for different appointments and procedures and everything had been fine and covered until June when my husband had a procedure scheduled. We called ahead to Blue Cross to get preauthorized for my husband's procedure, before calling Blue Cross we talked to our doctors billing department and they gave us the billing codes which we then gave to Blue Cross. When we called, the representative from Blue Cross stated that the procedure was covered and we asked if there was anything else we needed to do which he stated No, everything was covered. A few weeks after the procedure we found out that Blue Cross denied the charges stating we did not have a referral, we explained that when we called there was no mention of a referral and we had not needed one for any of the prior visits or procedures. We had a referral submitted and Blue Cross responded with, too much time had passed and so they are denying the claim. In an attempt to file an appeal we contacted Blue Cross and asked for transcripts and any other supporting documentation involved with this particular claim. They explained to us that we would have to submit a written request and we would have to pay them $40 for the information we are requesting.

Well every time I have to call this guys First for start the people how answer the phone You can ask for some information about your company And they never know nothing about They always tell you Your company that’s not have that program They take to long to answer the phone and when that happen you will end up with to much frustration Because of their job Secondly and list importan They take to long to aprove something

Expect to wait on hold for 30 minutes at a time before having customer service hang up with out saying anything. Repeat this several times and you MIGHT get a person. Not worth the aggravation!

When I was first married my husband and I lived back east and our insurance was BlueCross BlueShield. We were well taken care of especially after our first birth of our son at Humana Hospital. We had some complications and the representative we worked with was so helpful in getting all of our benefits and all of the customer service reps were awesome!

I never felt a strong connection to anyone from BC/BS. It was just a bill we paid every month. Very little costumer service.

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!!

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!

I purchased COBRA coverage between job changes for a month. BCBS rescinded all of my prior authorizations for medication, and then, they drug their feet approving the medications again so that I couldn’t get them on time and fill them the two times I should have been able to under my paid insurance plan. Really crappy thing to do when people need their medications and pay for insurance for that purpose. Worst part-I will still have the same coverage at my new job. BCBS jerks.

Overall, they are excellent. I have had them on/off since the 1980's and they have improved vastly in that time.

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

Coverag acceptance ease of getting answers to questions

They are always there and at times gone the extra mile to help with a problem.

Great coverage and fast communication. My out of pocket is much lower now that I'm trying BCBS