| Reviewers Male / Female |
Recommend Yes / No |
Number of Reviews | Coverage | Claims | Customer Service | Cost | Total Average Rating |
| 1 / 9 | 1 / 9 | 10 | 3.80 | 2.70 | 2.50 | 3.11 | 3.03 |
| Date Submitted: | May 20, 2009 |
| Insurance Provider: | Blue Cross Blue Shield in Virginia |
| Coverage: | 10 out of 10 |
| Claims: | 10 out of 10 |
| Customer Service: | 8 out of 10 |
| Cost: | 3 out of 10 |
| Recommend: | Yes |
| Review: | Excellent Coverage, but expensive I pay about $350 per month... but the coverage has been superb. I'm an athlete and BCBS covered a foot surgery that I could've lived without, but having the surgery was imperative for me to get back to my level of activity after my injury. From the other reviews I see here it's clear that that's not always the case. Other than that, BCBS is accepted just about everywhere. They also have a good health hotline you can call when you're not sure what the hell is going on with your body. Having a nurse on standby 24/7 is pretty cool. Anyway, I've been happy with them, if you can afford it, definitely get BCBS. Comments [ 0 ] |
| Submitted by: | SpeedyG 26 year-old :: Female Reviewer :: Virginia |
| Date Submitted: | April 8, 2009 |
| Insurance Provider: | Blue Cross Blue Shield in Alabama |
| Coverage: | 3 out of 10 |
| Claims: | 3 out of 10 |
| Customer Service: | 1 out of 10 |
| Cost: | 3 out of 10 |
| Recommend: | No |
| Review: | No One knows or cares at BCBSAL I live in Washington State, yet my husbands company picked Bluecross, BlueShield of Alabama for their health insurance, so far we have not be able to find a doctor and have received zero help from them, now we learn that despite the fact no doctor will take their insurance we must wait one year until we can change to someone the doctors will actually work with. It is no wonder Alamaba comes in at 45 for being one of the unhealthiest. In the mean time we will have to pay out of pocket for my husband to continue to see a doctor he has had for 20 years and who found his cancer. I thought insurance was just that, to insure we have proper health care, that just can't happen with a company like Blue Cross Blue Shield of ALabama. Comments [ 0 ] |
| Submitted by: | Diane 51 year-old :: Female Reviewer :: Ridgefield, Washington |
| Date Submitted: | February 6, 2009 |
| Insurance Provider: | Blue Cross Blue Shield in Michigan |
| Coverage: | 7 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 2 out of 10 |
| Cost: | 9 out of 10 |
| Recommend: | No |
| Review: | Just cannot process claims correctly While I have good coverage for the most part, this company simply cannot process claims correctly. They will lose batches of claims we submit, such that we have had to send them registered mail. They will then "find" the original claim forms 6 months later. They will pay for a service one time, then deny it the next - the exact same service with the exact same provider. They will send us a check for a service, then send us a denial for the same service that they paid! The customer service people on the phone know next to nothing. If you ask them something they are reading an answer from a screen, if you ask them to further clarify, they just re-read what they just said. Also, my insurance has Magellan as a carve out to monitor hospital care and I was denied access to a hospital because they refuse to deal with Magellan - it is so draconian. In general the insurance employees who determine what is "medically necessary" have only a minimum of knowledge to make this judgement. These are nurses that are second guessing what doctors are prescribing, just from looking at some paper claims. I would seriously question the judgement of any doctor who would go to work for an insurance company anyway. Comments [ 1 ] |
| Submitted by: | Kira 47 year-old :: Female Reviewer :: Lafayette IN |
| Date Submitted: | November 26, 2008 |
| Insurance Provider: | Blue Cross Blue Shield in Michigan |
| Coverage: | 4 out of 10 |
| Claims: | 4 out of 10 |
| Customer Service: | 1 out of 10 |
| Cost: | 4 out of 10 |
| Recommend: | No |
| Review: | Older kids get thrown off without warning!! Beware In January 08 my daughter turned 20. In June 08 she finally had waited out the 6 month pre-existing condition waiting period where you pay for absolutely nothing for 6 months. She then finally went to the doctor for a checkup (in June). Apparently at age 20 a dependent gets thrown off your coverage (who knew?), no questions asked and no warning. I called to ask a question in July 08 and at that time the bulldog customer service rep. must have realized my daughter was over the age limit. The next thing I knew my daughter was cancelled retroactively back to May 08. They never sent me a letter, email, smoke signal - nothing! Nothing to alert me to this fact. I didn't find out until I suddenly got a bill for the whole amount of her doctor visit in June. I called, furious, and they actually agreed to pay for the doctor visit but did not offer me a chance at that time to continue her coverage via rider. She has gone for another few months without insurance as I explored different avenues and then found out that I could have continued coverage for her via a rider all along. Finally, I signed her up again with a rider two months ago - she had to go to the emergency room for an allergic reaction last night 11/25 and assumed she was covered...no such luck...she won't be covered until Jan. 1, 09. I would like to know why it takes them one second to cancel someone but four months to add them...and why do they keep playing with my daughter's insurance coverage?? Do they consider my daughter expendable or something? And how can we continue to pay for coverage for the rest of the family after we're in hock up to our eyeballs with doctor bills which they have strategically avoided by playing around with coverage, dates, pre-existing conditions clauses and age limits? Comments [ 0 ] |
| Submitted by: | sonieb33 40 year-old :: Female Reviewer :: metamora, michigan, USA |
| Date Submitted: | September 15, 2008 |
| Insurance Provider: | Blue Cross Blue Shield in Mississippi |
| Coverage: | 3 out of 10 |
| Claims: | 2 out of 10 |
| Customer Service: | 4 out of 10 |
| Cost: | 1 out of 10 |
| Recommend: | No |
| Review: | Read the fine print It sounds great but they use their name and write the policy for state insurance for teachers. It is awful! If you read the fine print it pays much better to some doctors than it does to others. Even when a Dr is in their network (and I was told he was in the network) but out of state I was left paying 40% for visits and tests. Comments [ 0 ] |
| Submitted by: | Gamma 49 year-old :: Female Reviewer :: Lucedale, Ms |
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