Blue Cross And Blue Shield Association
Blue Cross And Blue Shield Association Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Blue Cross And Blue Shield Association has a 1.3 star rating from 24 reviews and consumers are mostly dissatisfied, citing high prices and poor reliability.
Positive Feedback
Some users note easy enrollment and coverage options and occasional helpful representatives, but positive comments are rare in Blue Cross And Blue Shield Association reviews.
Negative Feedback / Risk Areas
- Repeated reports of terrible customer service with multi‑hour hold times and dropped calls.
- Frequent claim denials, prior authorization delays, and medication refusals harming care.
- Billing errors, missing refunds, wrong charges and misleading website provider directories.
- Persistent robocalls and aggressive outreach leading to numerous customer complaints.
Key Takeaways for Future Customers
- Expect to document payments and persist with appeals for denied claims and refunds.
- Confirm in‑network providers and prior authorization requirements before procedures or prescriptions.
- Prepare for long waits to reach support and consider alternatives if prompt customer service matters.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Blue Cross And Blue Shield Association has a 1.3 star rating from 24 reviews and consumers are mostly dissatisfied, citing high prices and poor reliability.
Positive Feedback
Some users note easy enrollment and coverage options and occasional helpful representatives, but positive comments are rare in Blue Cross And Blue Shield Association reviews.
Negative Feedback / Risk Areas
- Repeated reports of terrible customer service with multi‑hour hold times and dropped calls.
- Frequent claim denials, prior authorization delays, and medication refusals harming care.
- Billing errors, missing refunds, wrong charges and misleading website provider directories.
- Persistent robocalls and aggressive outreach leading to numerous customer complaints.
Key Takeaways for Future Customers
- Expect to document payments and persist with appeals for denied claims and refunds.
- Confirm in‑network providers and prior authorization requirements before procedures or prescriptions.
- Prepare for long waits to reach support and consider alternatives if prompt customer service matters.
Media from reviews
Turn one complaint into a collective action
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer
Predatory 2026 Premium and Cost Increase + protected by the BBB and TDI
- Premiums rose 37% for 2026, from 1306 to 1789, with the same plan.
- Deductibles up; 1500->2000; 3000->4000; OOP 7800->8200.
- Avoid this company.
If I could give zero stars, I would. Blue Cross and Blue Shield of Texas just slammed me with a 37 percent premium increase for 2026. My monthly premium is jumping from 1306 dollars to 1789 dollars for the exact same plan. Nothing improved. Nothing added. Just a straight predatory increase because they can get away with it.
On top of that, they increased every single cost sharing number. My deductible goes from 1500 to 2000 dollars. My in network family deductible jumps from 3000 to 4000 dollars. My out of pocket max goes from 7800 to 8200 dollars, and the family out of pocket max goes from 15600 to 16400 dollars.
Who the *** gets a 37 percent salary increase to pay for this? Nobody. They dont care. They know people are trapped in this broken system, so they treat us like hostages. No explanation. No justification. Just here is your new rate, deal with it.
This company is not a healthcare provider. It is a predatory financial machine bleeding customers dry. They hide behind regulatory language while dumping insane cost increases on people who are already doing their best to stay covered.
I am filing complaints everywhere because this is not just bad service, it is abusive behavior. Avoid this company if you have any choice at all. They do not care about their customers. They care about squeezing every cent they can from anyone stuck under their coverage.
Zero stars. Absolute disgrace.
- Have a good selection of doctors in network
- Increased premium by 40 percent in one year alone
Preferred solution: Price reduction
User's recommendation: stay away, go to Mexico for health treatment
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerTo add apartment number to address on file
I just finished calling to have my apt#1 to add to my mailing address thats on file now you just hung up on me
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerDon't pay claims
- Reviewer says Blue Shield Medicare denies Medicare Drug plan claims.
- They advise disenrolling from Part D and using the cheapest Part B.
This insurance is so unbelievably bad that it rivals the crooked United Healthcare Plans. I recently left United and thought that Blue Shield Medicare would be better.
That was a false hope. They are as bad or worse than any other plan available in the US. They routinely deny all Medicare Drug plan claims, and the Part B Medicare Plan is useless. I think that US citizens are very poorly served by all Medicare Plans.
They can be criminal or grossly incompetent or both. The root cause of this was the opening of this insurance to private insurance companies. They all appear to be crooked. Do yourself a favor and disenroll from Medicare Part D Plans.
Take the cheapest Medicare Part B plans and keep this. This is to avoid exposure to the fraudulent plans now dominating the scene.get them
Preferred solution: Let the company propose a solution
User's recommendation: avoid
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerNo Customer Service Rep answers Calls and their Website is misleading
- NYSHIP insured; searched BCBS for in-network acupuncturists with $18 copay.
- BCBS on-hold 40+ min; no reply; $180 charged; Yuehui Li spoke limited English.
I was looking for an Acupuncturist due to my Sciatic Nerve Pain on my leg. I have an excellent insurance coverage plan under NYSHIP.
BCBS website took me to search the Specialist, and showed several Acupuncturists as 'In Network' which means our co-pay should be $18. I called BCBS Customer Service and stayed on line for more than 40 min... no one came to the phone. While I waited on the phone I emailed my question to ensure their website was accurate, and if I needed to see my Primary doctor first.
There was no response.
I was desperate to find some doctor, so I went to the Acupuncturist Yuehui Li, who wasn't professional and didn't speak English well. I had to pay $180 after the treatment, which appeared to be 'bogus'.
If I knew I wasn't covered for the service, I could have gone to my primary doctor first to seek another source who accepts my insurance. BCBS website is very misleading.
- Good wellness cash
- Customer svc never comes to the phone
Preferred solution: Full refund
User's recommendation: Don't trust BCBS website
Professionalism
- Worst insurance I've ever encountered.
- It feels like not having insurance despite paying the premium.
- Run from these crooks.
worst insurance I've ever encountered. Be better without it since it's the same as not having insurance without the premium.
They screw you on every corner that they can.
They are no better than having any insurance at all without paying for it.... RUN AS FAST AS YOU CAN FROM THESE CROOKS
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerOn hold for more than 2 hours
- Called about a claim and was on hold for over an hour.
- A representative picked up and then hung up.
- Hire more staff.
Called to speak about a claim. Was placed on hold, I was literally holding for over an hour, and then someone picked up then hung up.
Again I have been on hold for over an hour...going on two. Have two phones going just in case, but no....I have been on hold for close to two hours!
I know much is going on, but hire more people.
- No pros
- People pay too much for coverage and little is paid to providers
Preferred solution: Open phone lines for longer periods, hire more people if necessary
User's recommendation: Open phone lines for longer periods of time. Offer overtime if you are short handed.
USE OTHER INSURANCE PROVIDERS
- BCBS is a for-profit org focused on the bottom line.
- They ignore members and don't pay providers.
- The review supports Universal Medicare to end insurance.
Blue Cross Blue Shield is a for profit organization. They only care about
the bottom line.
They ignore there members (while collecting their premiums) and refuse to work with Providers to avoid paying them for the
services provided to the insured patient.
The US insurance industry is a scam, they are stealing money and the government allows this. Vote for Universal Medicare for all- It'll eliminate the insurance companies.
- Being ripped off
Preferred solution: MEDICARE FOR ALL -INSURANCE COMPANIES NEED TO BE ELIMINATED
Pamela N Cox of the Blue Cross Building on 1330 Amerigroup Way, in VA Beach VA said that she does not like to hire people with kidney problems or any other health problems because they end up being away from their desk at times other than break or lunch. Mrs.
Cox has admitted recently that she feels paranoid at the work environment at Blue Cross. She said that the managers have created a hostile work environment.
Denies medication
- Med from a licensed PA now requires PAR and QLL.
- BC/BS denies payment for opioid med.
- Doctor sent records and concerns, but payment is still denied.
My medication prescribed to me for years by a licensed Pa. physician now requires a PAR and a QLL.
BC/BS constantly denies paying for the medication because it's an opioid. My Dr. sent in medical records, called them, voiced her concern about me not getting the medication, every thing, and they just refuse to pay for it. This is just not the way it's supposed to work.
Now I go through pain every day with sciatica, spinal stenosis, degenerative disc disease, arthritis, and nerve pain. Don't know what to do.
- Poor customer service
- That such a simple thing became so ridiculous
- Policy and representative
Preferred solution: I want my medications approved and payed for.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerBeyond stupid.
- Botched surgery by Dr. Brewster; two doctors say redo; now walks with a limp.
- Paid $1000 copay; billed nearly $10,000.
- BCBS wouldn't refund; rep rude.
Had a botched surgery from a Dr.Brewster. Paid $1000.00 co pay and he billed them close to $10.000.00.
Results are terrible with 2 other doctors telling me it must be redone. Of course not for free. I called BCBS to tell them he messed up. They said ,Oh well.
I asked why they would not take the money back and was given a dumb answer about why they won't take money back for a ruined surgery. Who in the world would think that is normal or fair? Why pay for something that is no good after paying and have no recourse. This Dr.
Brewster got paid to ruin my walk and ability to do sports along with many other joys of life. I am in great shape and now walk with a limp in pain. What a shame. The rep.
was very rude also. Too bad considering what my fee's are.
- Policy and representative
Preferred solution: Full refund
Blue Cross isn't going to do anything based just on your say-so about the competence of a physician. If the guy really messed up the surgery, then you need to sue for malpractice.
Get a free consult from a lawyer to see if you have a case.
The fact that other doctors say the original surgeon messed up would help your case. At least you may get your copay back, plus the usual "pain and suffering", etc.
Roseville, Minnesota
POLICIES KILLED MY HUSBAND.....WORST INSURANCE WE EVER HAD.
- BC/BS Complete replacement at $167.50; an independent company makes denials; Medicare coverage was lost; patient died.
THE BC/BS INSURANCE COMPANY RECOMMENDED BC/BS COMPLETE AS THE BEST INSURANCE TO REPLACE THE INSURANCE WE HAD LAST YEAR, 2018. PREMIUM $167.50. BECAUSE ONE OF US HAVE ALWAYS HAD BC/BS AND OUR EXPERIENCES HAVE BEEN POSITIVE IN THE PAST WE TOOK THEIR ADVISE.
UNKNOWN TO US WE LOST OUR SEPARATE MEDICARE COVERAGE WITH THIS, THEY CONTROL EVERYTHING.
THEY NOW HAVE AN INDEPENDENT COMPANY WHO MAKES ALL THE DECISIONS WHICH ARE MAINLY DENIALS AND REJECTIONS. HE WAS ADMITTED IN FEBRUARY 16TH, DIAGNOSIS SEMPTIS. REFUSED ADDITIONAL CARE IN THE HOSPITAL AND TRANSFERRED TO TRANSITIONAL CARE. REFUSED ADDITIONAL CARE AFTER ABOUT 7 DAYS AND ON MARCH 4TH ENTERED ASSISTED LIVING, PRIVATE PAY.
BECAUSE OF CHEST PAIN THE FACILITY ADMITTED HIM TO THE HOSPITAL.
WHICH BC/BS REFUSED TO PAY FOR SAYING AMONG OTHER THINGS THAT HIS CONDITION COULD HAVE BEEN TREATED ANOTHER WAY. I PROTESTED ALL OF THEIR DENIALS, BUT OF COURSE MY PROTESTS WERE REJECTED. HE DIED OF HEART FAILURE APRIL 1ST !!!
IF YOU CAN, CHANGE YOUR INSURANCE NOW. DO IT !!! I HAVE.
- Easy to get
- Ridiculous lack of customer service
Preferred solution: Let the company propose a solution
From the information you gave us it is rather hard to discern exactly what happened regarding your problems with Blue Cross and I don't understand your comment about losing your Medicare coverage. You should talk to someone locally with more knowledge about health insurance coverage, etc. Good luck.
Denied reimbursement for a PET/CT scan at Mayo Clinic involving lymphoma
- Denial of reimbursement for a CT/PET scan at Mayo Clinic; $6,800.
- Appeals denied; BCBS not medically necessary; Buadi says CT/PET recommended for NHL.
I was denied reimbursement for a CT/PET scan at the Mayo Clinic in March 2017 which was done by my Mayo Clinic doctor, Francis Buadi, concerning non-Hodgkins lymphoma and AL amyloidosis that I had been originally treated for in April 2013. The cost of the medical billing was about $6,800.
I had to contact Blue Cross Blue Shield (BCBS) of Texas at least 6 times over 6 months to get them to respond to me as to whether they would reimburse the Mayo clinic for this test. I was finally able to appeal my case in November 2017 and was denied because the test was not deemed to be "medically necessary" by BCBS.
In June 2018 my case was sent for peer review and also denied by Advanced Medical Reviews on December 4, 2018. My doctor at the Mayo clinic, Dr. Francis Buadi has continued to stand by his claim that a CT/PET scan is recommended for the evaluation and follow-up for patients who have non-Hodgkins lymphoma.
Going through months of chemotherapy treatment and a bone marrow transplant for both lymphoma and AL amyloidosis at the Mayo clinic was difficult. I was not able to see my kids on a daily basis, I was out of work for about 6 months, and my stress level was off the charts at times. Having to battle BCBS of Texas a few years later regarding a test recommended by the Mayo clinic makes me furious. I have the utmost respect for the Mayo clinic and my doctor is highly regarded in his field so I don't know how I am expected to know that a PET/CT scan is not "medically necessary".
It upsets me greatly that I have spent my life paying for medical insurance and then it is denied when I actually need it. I am also angry at having to pay the full amount of the PET/CT scan when I had the least knowledge that the test might not be deemed "medically necessary".
David Snyder
San Francisco, California
Telemarketer cussing me out
- Call from 909-294-**** about a Blue Cross health insurance inquiry.
- The rep insulted me and hung up after I asked to call back.
- I blocked the number.
I had a call from 909-294-**** about an inquiry we made to Blue Cross for health insurance. The telemarketer told me *** YOU BRO and hung up when I asked to call him back at a more convenient time.
These people are very rude and should not be representing Blue Cross. They keep calling and I just keep hanging up. I finally had to block their calls. I don't know why this review has to be 100 words to post so I hope this puts it over 100 words.
Now it shows 70 words but it is over that. Is this site some kind of scam to *** people off?
88 words bull, ok try this and this and this. forget it I'M done.
Preferred solution: The telemarketer should be fired and never work with people again!
Miserable
- I get calls daily and wake after night shifts.
- I answer calls in class; it's a recording and they hang up when I say stop.
- I hope a class action.
I get calls every day. I get woken up after working all night.
I anseer calls in my classes thinking my dad couod be in the hospital again or someone needs my help. All just to hear a recording. When I press one to speak with someone they hang up as soon as I say stop calling me.
I hope a class action lawsuit happens. I am so tired of this.
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Healthcare was poor at St. francis and coverage by Blue Cros
- ER kept him over 9 hours and gave an MRI and morphine.
- He was not properly examined or admitted.
- We were billed over $10,000 and will not pay.
My husband David went to the emergency room and was held for over 9 hours in the emergency room. They gave him sn MRI and a shot of Morphine. The hospital did not examine him properly or admit him to find out what the problem was eith his pain and leg/back. The nurse took him to the parking lot where he fell in the parking lot on the asphalt. This is an outrageous act of illegal treatment of human beings. St. Frances should be sued for mishandling medical cases and underperforming responsibilities. The healthcare systems in America suck and need to be improved from top to bottom.
Physicians need to have relationships with their patients and show compassion and be held accountable for the services they provide.
The hospital billed us over 10000.00 for this service
That is *** and we will not pay it.
God will see to it that institutions come in line and they will reap what they sew.
Blue Cross Blue Shield used to be the best insurance provided.
Listen to the American people and
change your procedures to work with the patients.
Thy rod will strike down thy wicked.
Cindy Jo Lindsey
864 331 ****
I will never be ashamed of preaching the gospel.
- Attitudes and
Preferred solution: Full refund
Portland, Oregon
Prescription Prior Approval Process Harming Patients
- Prior approvals delay access to medications for chronic illness.
- Expired or rejected prior approvals disrupt care and harm patients.
Many health insurance companies are requiring prior approvals for certain medications and the patient typically finds out this is the case when insurance rejects for prior approval. This can happen for new medications as well as ongoing medications as prior approvals, apparently, expire.
Two of my family members have been negatively impacted by this as we have bounced back and forth between the insurance and doctor's office trying to get prior approvals in place. The insurance companies claim it is so they can insure patients are getting the right medication for their condition. Considering it is written by a physician with that very knowledge and further screened by a pharmacist all their involvement does is delay when patients are able to get necessary medications. A recent example is my disabled daughter who takes a medication for low blood pressure turned in her written prescription for an ongoing medication and it rejected.
The pharmacist says it is for prior approval. Contact the doctor and the doctor says it is because she needs a follow up appointment. Takes a week to get into the doctor and meanwhile our daughter falls as a result of low blood pressure and feels generally sick and dizzy. Finally get into the doctor and have a fresh prescription and that one too rejects.
Call the insurance company and they say that the prior authorization expired the month before. I have no idea how we are supposed to keep track of that with everything else we have to attend to for someone who is chronically ill. So now back to the doctor and it will take a week or so for them to get their people to talk to the insurance people. Meanwhile our daughter is out of a medication that keeps her blood pressure from dipping dangerously low.
Medical insurance providers should not be second guessing doctors who are trying to care for their patients.
There is absolutely no value added, other than maybe saving the insurance companies money in the lags they create, in this extra level of "review". It is unnecessary and unconscionable as it is harming people that are already really sick.
Preferred solution: Let the company propose a solution
Insurance companies practicing medicine is outrageous - off with their heads !
Richardson, Texas
Robo call ***
Let me tell you my story:
In 2009 I was in a bad auto accident. I had been covered by BCBS for decades. I was forced to repay BCBS for the money they paid for my hospital bill.
Now in 2018 I have been bombarded with robo calls for BCBS. I would rather move to another country than use BCBS. There is never a person to tell them to stop calling and I am on the no call list.
If anyone has a suggestion i’d Love to hear it. These calls are causing me great angst!
If you are receiving calls from BCBS and have not done business with them in the last 18 months and have asked them to stop calling and they continue to call, you can file complaints to the donotcall registry, provided you have been on there for 30 days.Go to www.donotcall.gov for further information.
About
, , , ,
The Blue Cross and Blue Shield Association is a national federation of 39 independent, community-based and locally operated Blue Cross and Blue Shield companies. The company has been on the market for more than 70 years. At the present time, the corporate office of the company is based in Chicago, IL. The company also operates several offices in Washington D.C. Healthcare coverage are provided in all 50 states, the District of Columbia and in Puerto Rico. More than 90 percent of hospitals and 80 percent of physicians contract with BCBS companies throughout the United States. Blue Cross and Blue Shield Association companies offer a variety of insurance products to all segments of the population, including large employer groups, small businesses and individuals.
Blue Cross And Blue Shield Association is ranked 419 out of 2419 in Insurance category
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