Blue Cross and Blue Shield of Kansas City Reviews

So far, I've really been pleased with them, until I went to pick up a script yesterday, only to be informed that my insurance was terminated even though I paid it on the 9th!

Horrible customer service, billing issues continually. Do yourself a favor and call somebody else

The absolute worst insurance company in America. Spiracare is a joke. The employees are reactionary and tyrants. I was with Ambetter and they are 1000x than this fraud and joke of a company. Seriously if you can go with any other insurance company, do so. It s rubbish.

Good insurance but that's the only thing good about this business! I have had coverage from BCBS KC for almost 20 years paying for myself out of pocket. The rates for a single person are just ridiculous, almost matching my rent per month. I am glad to be getting coverage from a different company now.

Anesthesia Association of KC is a terrible company. I do not understand why HCA uses them as a supplier. My insurance company,Anthem, Blue Cross, Blue shield made a mistake on submittting the codes a (manual error). The codes submitted during the first and second adjustment were the same, which means that the error was manual or the they adjusted the claims, after I already paid the bill. Blue Cross, Blue Shield does an audit 4 months later and catches the error. Just really feels shady from my end. Anesthesia Association of KC mentioned 30 to 40 other clients also had the same problem. You would think that Blue Cross and Blue shield would get a project manager on the case and make sure that they contact the customer personally. Anesthesia Association of KC were very resistant to help. They didn't even want to get on the phone with Blue Cross, Blue Shield to help bridg the gap. Once again the customer gets caught in the middle. No one is perfect! I understand that, but the customer is the one paying in the end.

Everytime I have any larger medical work done that is supposed to be covered 100%, they always try to find a way to deny coverage. I have to battle everytime, and it gets drawn out for months. This has to be legally considered bad faith practice- not covering what is supposed to be covered as deemed on the policy. Have never had a worse experience with health insurance.

Horrible in every way! Had a sinus cold, called insurance company to make sure Dr. was covered in plan. Long story short and $615 later, it was determined that a sinus cold is a preexisting condition! They are the reason people do not go to Doctors due to fear of large bills that they can not afford. Our Health care system is so flawed!

I was on Healthcare.gov in 2016 through this company. I cancelled my policy before June 1, 2017 because I was getting private insurance. I was charged for one month because they said they didn't get the cancellation, and they had no control over it. If that's all they'll do to help, I will never use this company and definitely discourage anyone else. They won't take a step to help you. They just steal your money. They wouldn't accept payments, so they're sending me to a collection agency. I'll make payments to them, and let BCBS pay them for it.

Unfortunately I had been excited thinking I would be able to sign up and get insurance from them. But I was told that since I cancelled with my old insurance company that I do not qualify because my cancellation. That since I volunteered to cancel my plan with last insurance that I would have to wait until November. This is very disappointing I need insurance now. Cant wait until November. I had also herd many good things about this company. But like I mentioned above I'm very upset. I think that it should not matter if i volunteered to cancel with my previous insurance company. If I cancelled with them it had been for terrible customer service coverage and false information. I was hoping I could get health coverage with this company today but its not the case. I'm sad because I do not meet with the qualification just because I did not have a divorce had a child or lost my job I don't qualify. I wish I could have spoken with someone hire up and listen to what I had to say. Instead of being cuttoff by telling me I don't qualify just because of the reasons above. I'm hurt

My coverage was finished last year. But they still send bills to me.

They declined a med I really need even though my doctor signed a letter that I needed it. They found a detail the doctor hadn't filled in just exactly right, and used that to decline. The doctor is willing to put the info in the blank the way they want it, but they said NO, their policy is not to review for six more months! So I am being hung out to dry on a technicality and they know it. I have started proceedings with the state insurance commissioner. Watch out, they are cheats-don't trust them.

Tried to login numerous times today as a federal employee. That worked but each time I chose My Benefits or one of the subheadings under it the system went into an endless loop with blank page. I could tell it was trying to connect but it never connected. This happened with two different browsers, two different computers plus using another network on my phone. Hope its resolved.

Although I've struggled for a few weeks to contact the membership department, today I had the pleasure to speak with Darnell in customer service. He was incredible! He spent as much time as it took to resolve my issues and did it in the most professional manner possible. He even gave me his call back number if I had any other problems. It is clear this guy is serious and isn't just punching a time clock. Thanks again Darnell.

The employee was rude when asked questions. Employee's should always be kind and want to go above and beyond for customers. It doesn't seem like that happens here often.

I hope i can get covered for next year i spoke with a representative got all set up then when she goes to take my money she says it declined so i called her again after checking my balance which funds were available and she has not anwsered the number i have for 3 days i hope the holidays and their hours won't ruin my chance at getting covered asap.!

* DON'T CHOOSE THEIR SHORT TERM PLANS *
I've been using blue cross blue shield for two years now and I've had the worst experience. The plans for a single individual are outrageously priced for how high the deductible is. Also word of advice: don't get injured while using this insurance. It will count as a "pre-existing condition". I saw my doctor one day before it became effective i guess and I've had to pay out of pocket for everything. Also their claims department is so unorganized so DO NOT pay a bill before calling. Just found out that they covered "some" of my PT but then after calling found out they didn't cover any of it so now they have to deny it and recharge me. So much for a company that promotes "health".

I cannot get a hold of Blue Cross. I called the number and get put on hold for at least 15 minutes, then get disconnected. This has happened 3 times this week. I have also sent them an email. No reply. I have a very urgent matter to talk to them about. This is crazy. What kind of customer service is this? They do not even deserve 1 star.

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.

BCBS keeps sending me invoices of past dues even though I have contacted their customer service a thousand times. All mineand my wife's monthly premiums are paid directly from my bank.This is ridiculous and must STOP

I am so sadden to read all the negative reviews here.....as Blue Cross/Blue Shield has truly been the best insurance for me and my now deceased husband as of 1 year ago. For 10 years, they saw us threw 3 major surgeries on my husband involving ICU care and many weeks of recovery in the hospital with each one, and then 10 to 15 hospital stays (I lost count after 10). If it were not for BCBS of KC, "we" (or more accurately "I") would be in debt over 1/2 a million dollars. Thanks to them my husband and I had more time together than we would have had, had we not had the coverage. Expensive?....yes....especially in the late years when you're on a limited income.....but worth every dime when it is someone you love and over 50 years of time together. Thank you Blue Cross Blue Shield!

I gave you 5 stars, in return you should build a gleaming new office in Beautiful Johnson County, Kansas

Worried about my rates jumping again next year. White House says it's coming. BCBS please be prepared to show me your cost increases. Spent $10k in 2016 for 3 urgent care visits and 3 primary care visits. I'm not the problem but I'm paying for it. Extremely sad state.

I've been in charge of appeals at a joint commission accredited facility for almost 5 years and I've never been so frustrated with an insurance company in my career.

Long story short, I've submitted a total of 28 appeals (7 appeals, each submitted 4 times) and all but 2 have been completely rejected, not even reviewed. The two that were accepted and reviewed were denied for no reason. I've spoken to the appeals department and the only thing they can tell me is that they've never received the other appeals, which is a lie because we've gotten dozens of form letters stating that the appeals are rejected, with no contact information on the letter so I can't even call to ask what's going on.

It's hard to operate as a provider when the insurer just keeps throwing your documentation in the trash. One star.

Very difficult. Gender bias against men on prostate issues? Won't cover Dna matching on prostate biopsy but does on on breast cancer.

Have had a policy with BCBS for 10 years. Started out at about $200 / mo. Now am at $1,300 / mo. Was told this plan will not be available to me next year. Only other plans available this year have really high deductibles, limited to 1 or 2 pharmacies, my doctor not in network on the new plans, around $700 / month. And, by the way, if you are out of town NO COVERAGE! Stabilize and send back to KC for hospiltalization. That's TERRIBLE insurance. I have NO idea what I will be doing in 2018. Pure GREED! You need to change your tag line from Live Fearlessly to Live Broke!

All of my experience here has been interviewing. Just gotta say, people are always so nice. Even though I don't work there. Just great people

Dishonest, no reply to communication, no accountability. I always recommend my clients avoid having any coverage under BCBS.

I have the unfortunate pleasure of having healthcare coverage through BCBS Kansas City and they're incompetent and rude. They're so incompetent, they've can't handle their own pharmacy requests and so they contract it out to express scripts (which is an equally piss-poor company). I received a prior authorization for a specific medication, but when BCBS Kansas City sent the info the Express Scripts, they sent the prior-authorization under my wife's name! It took 2 hours on the phone of dealing with a belligerent woman whose name was probably Sharkeisha. Homeless people could run a better company.

I hate saying bad things about others even if they are true but in all honesty i now owe my dentist 700$ because of Blue Cross and Blue Shield of Kansas City, please stay far away as possible from them and find a better insurance for yourself

Every time I turn around my son is kicked off my husband's insurance (his biological son). I have sent in EVERYTHING that has been requested. All I have received is more paperwork and hospital bill with NO insurance coverage!!! No explanation as to why they are not covering his son on his insurance which he pays.

***UPDATE***
I am updating my complaint to reflect the reversal of my insurance policy termination. I improved my BCBSKC rating from one to three stars, only because the company did escalate my issue to their VP of Membership and it was resolved. The rating will remain at three stars, because it should not take as much complaining and demand for answers as I had to put forth. Due to owning our own business, my spouse and I had the time and resources to constantly follow up daily. My heart goes out to the many people they terminate, to which they provide some vague excuse regarding federal mandates and then give them the run-around until they finally just give up. I respect terminations due to non-payment - everything must be paid for; however, if you feel like you were terminated due to a glitch in the system, miscommunication or something similar, I encourage you to fight BCBSKC for wrongful termination. Encourage them to listen to the calls you made to their reps and save all of the emails you receive regarding your account. ALWAYS verify any changes or updates you make online with a person over the phone. Perhaps, don't even make changes online, do it ALL over the phone, so that it is on record.

Former Review___________________________________
My spouse and I had two separate plans until we were married in 2015. For 2017, we decided to purchase a family plan. Somewhere ON their end they applied our auto-payment incorrectly and also did not cancel my spouse's plan. Due to their error, our "family plan" was terminated for non-payment March 1, 2017. I was not notified about non-payment be mail, email or phone. I only found out June 2017 because a claim was rejected. Blue Cross Blue Shield KC will not take responsibility for this error and I have been left without insurance for the first time in 34 years. We had the top tier plan and now I have nothing. My spouse was able to keep her insurance since they never terminated her individual plan. Between January and February, I not only confirmed my auto payment, but had to call twice to request a card for my spouse. They both confirmed my payment and also sent my spouse her card - if we were delinquent wouldn't they have notified me at this point.

I am not one to blast a business publicly, but health insurance is a matter of life and death. This truly is the lowest of low for any business. I feel silly for touting them for all these years. Shame on you BCBS.

Please don't respond with some email to this "interact" address, unless someone has already looked into my situation and is ready to reinstate the policy. I have already spend countless hours trying to correct this situation. Please contact Sara Ryan at BCBS for information about my situation, if you truly want to provide real, compassionate customer service.

BCBS customer service helped me work out an incorrectly billed hip brace from a third company. They were supportive and helped me solve a billing issue that took them several weeks.

Terrible experience they pay only the amount they want I don't even finish the treatment and already owe 3095 dlls because they refuse to pay in network I hope I can cancel this joke of ridiculous coverage

What is the point of having a customer service telephone number if there's no one around to answer the phone? On hold now for 2 hours... absolutely ridiculous.

I am surprised there are so many negative reviews. I have a new policy, having just moved in to the Blue KC area. Everyone I have talked to has been super helpful and friendly. All my questions have been answered. Sadly, these friendly, helpful people have no control over the type of coverage that is available to me, or the way things are billed. It's up to me as a customer to ask detailed questions and be sure I understand my policy before I lay blame with the company for poor service. That said, I am as disappointed as everyone with how our healthcare options have changed just over the past few years. It's pretty terrible now compared to even 5 years ago. Thank you to everyone I have dealt with at Blue KC, for helping me understand my policy, as obnoxious and limited as it is!

I dislike health insurance companies in general and BCBS of Kansas City doesn't do anything to improve my opinion. Aside from being expensive and uncooperative, their policies are predatory and they will do anything to avoid paying for services, as I discovered when they deliberately withheld scheduling of a rather expensive procedure ($15,000) for 3 weeks until the new year so I would have to pay my deductible, which I had already reached for that calendar year.

They hold us hostage to their policies while colluding with health care providers and the medical industry to ensure that costs are so prohibitive that we must have health insurance. It's a bad deal for consumers all around and I hope that the situation changes in the next few years. We need a standardized, single pay system which they have fought for years, calling it 'socialism'. Well, anything that replaces the ridiculously complicated, expensive, restrictive system that we have now would be an improvement, no matter what it is called. And I think that I should get a thank you card from its CEO who made more than $104 million last year, some of which I paid for. I hope he enjoys his ill gotten gains.

It's hilarious that they respond to their negative reviews with a fake and empty offer to help. The people giving you one star have likely already spent hours on the phone trying to get a satisfactory resolution. Maybe try standing by your products and helping people before they give you bad reviews.

In our personal situation, our doctors were clearly shown as in-network on their website, then after the policy was purchased they decided that some of our doctors wouldnt be. They graciously offered us another plan that would cover our doctors for just $2500 more in premiums. They even have the Kansas department of insurance in their pocket so there is no one to hold them accountable. Minimum 30 min wait time any time I have called their customer service. Horrible company.

Blue Cross & Blue Shield of Kansas provides me good insurance, at a fair value. But for some reason I have spent 6 weeks trying to get approval for a very common, simple prescription I have taken for over 10 years and BCBS of Kansas has always covered. Great people, but that seems to be overshadowed when I can't get my prescription . I can only imagine the amount of time I have spent working on this, today was a 22 minute call. But, still no prescription. I guess I should have driven to Topeka and stayed until it was approved.

Tried to call customer service and there were 32 calls ahead of me! Tried sending on-line and the link says the email will be returned in 24 hours. That was three days ago. No easy way to get hold of them!

Absolutely horrible and rude customer service!! I called for questions regarding a procedure and the lady on the phone was asking for an address and when I gave her one it was apparently the wrong one because they failed to update the system and so when I gave her the old one she proceeded to say "I asked you for any other possible address why didn't you give me the right one" and she was a total b*tch in getting a response to my questions on the cost and she said she couldn't do anything about it as rude as humanly possible! There customer service is piss poor!

A doctor can try to get 'prior approval' for a procedure but Blue Cross will consistently deny it. How can a bunch of uneducated people sit at a desk and overturn what a medical school graduated doctor is trying to accomplish? That's just on top of rates increasing every single year without fail, as the coverage and customer service continuously declines.

Called to cancel my short term insurance over the phone, because my new insurance was going to kick in. Regina was wonderful and took care of that in a timely manner! Will recommend Blue KC for short term insurance.

I really don't understand the negative reviews. For 2 years I made the decision to get private insurance through them since I didn't have a job with decent coverage. In those 2 years I have had multiple infusions and even a colonoscopy. Not once have I really had any trouble with them. Yes their wait times on the phone can sometimes get ridiculous but that's life. If you have a service that also services a whole lot of people expect phone congestion. Having said that I am now on my company's policy and it is still amazing. Instead of blaming them for anything bad, equip yourselves and do extensive research. When that's done you'll be well equipped for dealing with all the policies they have.

I had an amazing experience with customer service representative Darnell. I had an issue with a claim. Darnell took ownership of the issue. He called the provider on my behalf
then followed back up with me after he took care of everything. I have never experienced better customer service from anyone. I am so pleasantly surprised by my experience. Outstanding Customer Service! Thank you Darnell!

I accidently left my daughter's insurance card at our home during a trip to see my parents. That weekend my daughter was running a fever and took her to Urgent Care. I tried calling BCBS KC to get her member ID and group # information and there was nobody available. I was directed to an automated system that, through three attempts, immediately hung up on me. Very very disappointed. I look forward to customer service calling me as I plan on delivering my dissatisfaction directly to them. JH

I worked as a contractor. After a week and a half I was assigned to a new department. I developed reports being the only one in my area knowing the new database. The place is a disorganized mess. One must not question, just do it.

Added my wife to my health insurance almost one month ago. Was lied to, told she would receive her insurance card within 7-10 business days. We have received nothing and have contacted them to GET HER CARD! Blue Cross and B.S. (because that's what it is, B.S.) have taken the money from my paycheck for her "health insurance" but haven't bothered to get off your lazy asses to SEND US HER INSURANCE CARD so she can actually USE her P.O.S. insurance to see a doctor! Bunch of money grubbing lazy worthless bags of bloated crap, with no one we have spoken with who actually does anything you SAY you are going to do! Your organization is so transparently money hungry, worthless, and lazy! And we are stuck with your worthless asses because that's who my employer deals with. I hope the vast majority of your employees rot in the afterlife because you will keep getting away with inhuman behavior here. Someone with a conscience please get off your lazy ass and get my wife her insurance card! Premiums-oh yes! Insurance card to use said insurance--good luck! Your organization is pathetic!

0 Stars. No wonder they have such poor ratings. They went back 2 1/2 months to terminate my coverage the day I gave birth. Insurance that I had already PAID for, they refunded it to my account, and now I am completely responsible for the birth and postnatal care and sans insurance. This can't be legal, I'm contacting a lawyer.

If there was a zero or minus star, I'd choose it. They take your credit card and then just charge whatever, whenever and when you try and contract them, they phone message says average wait time is 90 minutes. When you try and send an email, their form let's you fill in all the blanks, but when you hit the submit button, they screen doesn't respond. You can't call or email to stop them charging your card. Their premiums are crazy and their services are limited.

There's a reason why Insurance companies are among the richest companies in the world. It's because most of us are paying them for doing nothing. They got the government to make it legal for them to steal our money. I am self employed. I am personally exempt from the ACA because I am covered by the VA, but I am forced by law to cover my small healthy family and hand over $550 a month to them for doing nothing. $6,800 deductible per person and NOTHING, I mean ABSOLUTELY NOTHING is in the network. Not Children's Mercy or any other Hospital and not a single local Doctor. So, that thing they say.. "we pay 100% after your deductible is met".. That is a complete bold faced lie. I would be happy to pay for insurance if we actually got anything for it. The rates have went up about 40% for us over the last couple years and the coverage took a major dive. We would be MUCH better off if we paid for everything out of pocket. We went through a simple 2-1/2 day stay in Children's Mercy (observation for pneumonia) and got a bill after the measly amount they paid that would tell anyone that it's all a sham. What they are doing to the middle class is absolutely sickening.... Update: Here's another gem. After fighting back and forth with Blue Cross and the ambulance company that transported him from Children's Mercy Urgent Care to their main hospital ($1,600.00 bill for doing nothing but driving him a few miles) Come to find out there are two deductibles. One deductible for so-called in network services and one deductible for out of network services. After our $6,800.00 deductible was completely met, they received the bill from the ambulance company. Guess which "deductible" that went under. It just so happened to be applied to the in network deductible. They didn't pay one single red cent of the ambulance bill. What is this insurance for? It's for multi-billion dollar companies to make money for doing absolutely nothing. legally robbing the middle class.

BCBS of KC is 100x better to deal with on a provider side and consumer side compared to the other insurance companies out there! It s the only company I ll even consider to provide benefits for our office staff! If you ve dealt with insurance companies for 20yrs like I have you would know they far surpass the customer service you have to deal with when it comes to the other large insurance providers! No company is perfect but they come closer than any of the others!

Every time I call I'm on hold forever. Not 10-15 minutes. I'm on hold now, 2hrs wasted!!

Took my payment, didn't apply it to my account and now I'm getting bills from my dentist saying I don't have insurance.

I was given a number to find out if they have receive my first payment by mail yet and I had a question about my coverage... waited on hold for 60 minutes and then was disconnected... so I called back once again placed on hold for 46 minutes and as soon as someone answered I was disconnected again!!! This automated service is ridiculous...... no I still haven't been able to get through as a matter of fact I'm on hold again with a estimated wait time of 83 monutes!!!

The front desk security personnel are nice and the lobby area is very chic. The cafe has many options, prepared fresh and great presentation. It serves healthy foods too!

Marsha Yarnell does a great job corresponding with our office on a timely manor. The online tool to look up patient benefits works great saves the office so much time!

My plan started at $180 then jumped to 240 and now I find out they will not renew my plan after the end of the year. They claim to have lost 100 million since 2014 and it seems like they did nothing but raise rates to try and stop it. Pure incompetence and greed. We all know the games the insurance companies and hospitals play and its at the peoples expense. Tell us BCBSKC, what is the average price you have been paying hospitals for bags of IV saline? How much do your executives make? I won't use them again unless I have to.

Everything about them is horrible...EVERYTHING is bad!! Coverage, customer service, hold time, follow-up, etc. This is absolutely by far the worst insurance company!

I've been with BCBS for 40 years and now I'm told that my plan is no longer available again. This happens about every year. After looking at plans available there are only 2 to choose from because I live in Missouri. What's up with this bull $%%$! Good Bye BCBS

Representing middle class tax payers, I think the astronomical BCBS healthcare premiums/deductions starting January 1, 2017 are outrageous! There should be a wider range of healthcare premiums/deductibles available to make healthcare more affordable for everyone.

Following up on my review last week. I've continued to receive lip service that they are "looking into the issue," but in reality, they are stalling. My rep is conveniently on vacation this week, even though she was supposed to be processing my application for short-term insurance while this matter is resolved. Funny huh? Due to only two companies offering short term health insurance, I still have to give these crooks my money. I've become more infuriated as the days have passed and will be involving a third party to help me navigate the wrongful termination of my health insurance.

I know we don't have many options in Kansas, but I encourage you to purchase insurance from a different company or to make sure you call them often to confirm your plan hasn't been terminated. I'm honestly shocked they have handled the situation so poorly - I've had them on and off for many years and never dreamed they would treat a consumer this way.

****I AM ONLY LEAVING THIS BASED OFF THIS ONE EXPERIENCE***

Short, sweet, and simple, thank you so much to Candy (Kandy? Candi?) for having a heart. It's not easy to find genuine people that actually care about what you're going through, so it meant the world to me knowing she would go out of her way to try and help me in such a trying time. Money isn't easy for me, so having to fix decade (and half decade) old dental mistakes that were made by money-hungry A holes is not only hard, but traumatic. I can now rest easier knowing she was willing to go out of her way to call me back, after reviewing through policies and finding a possible solution to my major problem. SO PLEASE GIVE HER A RAISE OR PROMOTION BECAUSE SHE'S NOT A HEARTLESS ROBOT LIKE A BUNCH OF THE PEOPLE I'VE DELT WITH IN THE DENTAL INDUSTRY

I work at a dental office and every time I talk to one of the reps about dental benefits, I am on the phone with them for at least an hour. Every rep that I have ever talked to from this company has no idea about anything dental related and they take forever to look the benefits up and always put me on a 2-4 minute hold which is annoying. No other ins company constantly puts me on hold and when I ask for information, they rattle off the information to me quickly so I can continue on with the next patient. This ins company obviously needs to put their employees through more training. I dread calling this company.

BCBS allowed the use of their facilities for a health clinic for working musicians- in conjunction with the Crossroads Music festival in Kansas City.

It has been 2 months since I injured my back and it is getting worse, can't sit at work without pain down leg and I'm an accountant. They denied my MRI so now I have to pay for it myself. Thanks.

this insurance does not know how to process claims. They processed a claim 3 times and still got it wrong. They tell me a different bill everytime although the service is completely covered at 100% by them (per their own policy that they tell me every time I call customer service). I would not recommend them

I do not appreciate that you place a dollar amount on life

Absolutely the worst company. I spent 2 1/2 hours on the phone trying to get authorization for my medication. I was connected to several different people, transferred multiple times and given a series of inconsistent answers. I've left messages with supervisors to get things resolved....no responses. If you care about your health, I'd search elsewhere for an insurance provider - you might not make it with this one.

Not happy with BCBS Kansas City in any way. Not happy with coverage, explanation of benefits and especially unhappy with customer service. Tried calling yesterday for explanation of bill I received and the customer service representative would not help to resolve confusion and kept referring me to contact the doctors billing office. When I asked questions regarding my specific policy, she actually said, I don't know. Kept telling me she couldn't specifically answer my questions.

I wish I could give a lower rating. Worst insurance company in the area. You have a bonkers prior authorization process that takes forever and leaves desperate, suffering patients like myself waiting when my doctor should be allowed to prescribe what he needs. He's the doctor, not you. He has the expertise, not you.

Don't trust your summary of benefits. Maternity coverage is listed as, well, "covered" on my benefits. Every other service that is subject to Deductible *says* "deductible." Common sense would lead me to think maternity services are covered. NOT SO. Turns out, they are almost all subject to deductible AND they cannot provide me with a list of what is and isn't subject to deductible "because so much goes into prenatal care." Um. So, we're just deciding as we go? There's no black and white standard? I was told that the confusion with my summary of benefits is "why we recommend people call to get details about maternity coverage." Where is that recommended? Nowhere in print. Unfortunately, I'm not psychic. Thankfully, I can shop for a new plan in January before my baby arrives. Unreal. Seriously. Just be straightforward! I would have never signed up for a plan with prenatal coverage that doesn't start until after my high deductible. I feel fooled.

I was attended by mrs. Perry from customer service. me and my wife are very pleased the way she treated,help and understand us with the situation. I think she went beyond her duty in investigating and looking for a solution to what happen to us in a medical office. And she contacted mrs trish from FEHB office and then she told me what I should do. That is why you should have personal that go way beyond. THANK YOU.

Worst experience we've had with an insurance company, and we've dealt with several. They wouldn't pay for a basic ultrasound. Also, they are trying to stick us with a $33,000 bill for a procedure that they are calling "experimental" but every other insurance company is calling standard practice now. Pathetic.

Sure expect a bit of hold time, but customer service reps are very friendly and helpful, willing to put out extra effort to help their members with vendors etc.

They wouldn't pay to fill my perscription and the least they could have done is let me know! I had an appointment scheduled this day and they were completely inconsiderate of my needs as a dependent customer. When were they going to tell me my perscription wasn't going to be filled!? Isn't that their job? Aren't they paid to take care of their members? I thought so, but I guess not

This rating may be altered but, as of now I have had the worst experience in my life with this company. I do not state that lightly either.

I had a short term policy with them because I moved to the area in June and had to get insurance for my school. During my short term policy I had an MRI (that was covered) revealing a torn ACL. I put the surgery off till December due to my schoolwork and wanting to wait till I was in the winter break so that it wouldn't impact my grades. Everything appeared fine, BCBS told my surgeon's office they did not need to pre-approve my surgery and they were covering my healthcare up until now.
I renewed my policy in November or end of October and everything still seems fine. My mailed EOB's state that everything is being covered and I am paying copays at my physical therapist office. I have the surgery on Dec. 20th and pay my portion. A few days after my surgery I reapply for the new year and everything seems fine (I should have just gone with marketplace coverage).

On Jan 1 they send me an email, of course the office is closed. Jan 2 they tell me I will be denied for coverage because my knee (that, at this point believed was covered) surgery and the fact I was still receiving healthcare for it and thus was a pre-existing condition. Come Jan 8 I receive an EOB from visits to the physical therapist in november and december stating they are not covering it. I call and find out they are also probably no longer going to cover the surgery or surgeon's fee. The ONLY reason I pursued the surgery at the time I did was because it seemed like they were covering my healthcare. Turns out now, they are backpedaling. I understand that a company needs to make money. I understand that insurance companies need to make money. This though. This is a scam. If at ANY point they would have stated there was a problem I would not have pursued a 25,000 dollar surgery. I couldn't have afforded it. No, they waited to tell me till AFTER the new year that there was an issue. I am now paying cash for my physical therapy. I don't know many that have 25,000 dollars to throw at a surgery. I for sure barely have the money to pay for my physical therapy at this point (I'm a grad student. I live off my loans).

I spoke to a fantastic rep named Carmen who is doing everything in her power to aid me in getting their med director to look at this. It is pending. I will update my review once it has been finished but, at this point it's not looking good. I do not recommend them.