Blue Cross And Blue Shield Association

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

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.

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.

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.

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.

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

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.

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.

I have a bad knee. I have had an injection last year of a product called Hyalgan.

It worked although with what is said to be the best most costly PPO I still had to pay a huge co pay. Oh well. I just found out they will no longer pay. Not covered I was told.

No options either. What a shame for all who benefit from these injections. What am I paying for then? My family health care has tripled and coverage is half.

I am also told I cannot dump this terrible coverage under new rules for a year. Shocked again. The rep. was of no help also.

What country am I in? Why are non medical people deciding what works for us?

When I signed up I told the broker only the best was what I wanted. If this is the best I feel really bad for those with other lesser plans.