Taylor Nelson

Review of Blue Cross and Blue Shield of ...

Similar to what a previous review stated, maternit...

Similar to what a previous review stated, maternity coverage is EXTREMELY misleading. I read every word of my explanation of benefits when signing up for this insurance (pre-pregnancy, April 2016) and paid specific attention to maternity coverage as we hoped to have another baby. Fast forward to January 2017 (find out we're pregnant)...my premium has gone up 25% with no warning or explanation, my deductible went up, and although my explanation of benefits says maternity is "covered," in reality it all goes toward deductible. I will likely pay around $10K (on top of my insane monthly premium) for a perfectly healthy pregnancy and (hopefully healthy) delivery. It is ranging from $97-$125 per appointment I need that is not one of the standard monthly checkups (i.e., going in for sickness).No one has been able to offer me any explanation for this except to copy and paste a generic comment about rising medical costs. Extremely disappointed, frustrated, and confused, and no one has any answers to help. Have waited on the phone for over an hour before only to get disconnected, and every time I send an email and am told to "expect a response within 24 hours" it takes a minimum of three days, up to a week sometimes, and I have never even received a full answer to my question.