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Blue Cross BlueShield

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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 BlueShield companies offer a variety of insurance products to all segments of the population, including large employer groups, small businesses and individuals. Please try to contact Blue Cross BlueShield Customer Service directly prior to posting any complaints on this site.

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Anonymous
Blue Cross BlueShield - Blue Cross/Blue Shield NE Pennsylvania Run Around

BC/BS of Northeastern PA is the worst! My wife has advanced cancer and needs time-release pain patches and medicine to control the nausea from chemo and radiation. They paid for th...

#292242
Jan 26, 2012
14

Kingbarrie
Blue Cross BlueShield - BlueCross & BlueShield of Illinois

My coverage was terminated as of 09/30/2011 for nonpayment. Payment had been paid on 09/20/2011 and proof was furnished to Blue Cross at least two times.Three weeks ago BC admitted...

#292099
Jan 26, 2012
27

Mike_alt
Blue Cross BlueShield - Condoning overcharge

I had health insurance with Horizon Blue Cross Blue Shield of New Jersey (Horizon).In network outpatient lab work was provided by Laboratory Corporation of America Hold...

#280104
Dec 08, 2011
212

Sapporo187
Blue Cross BlueShield - Highmark blue shield

I see these commercials with highmark bcbs and UPMC hospital disputes in Pittsburgh and know that both companies are money grubbing whores. I used to work for upmc and BCBS was onl...

#279768
Dec 07, 2011
213

Chris151...
Blue Cross BlueShield - Horizon Blue Cross Blue Shield has false advertising

Horiozn Health Insurance denies claims for no reason. They say they reimburse 70% of out-of-network costs, but this is not true. I followed all of their procedures to get preauthor...

#276577
Nov 22, 2011
245

Barhouse1
Blue Cross BlueShield - Denying claims constantly

I am a liscenced Massage Therapist who is a preferred provider for all the major health insurance companies. In 16 years of billing I have never encountered a company like BCBS, th...

#275884
Nov 18, 2011
278

GERRY
Blue Cross BlueShield - Asked for supplement for Medicare,then charged full coverage.

I needed a supplement for medicare, they don't carry it. Instead they were evasive, charged us for full coverage on my husbands medical policy. When I found out, I insisted they c...

#273629
Nov 08, 2011
212

Kls621
Blue Cross BlueShield - Liars and cheats!

I had cancer in 2007, and my doctors want me to have an MRI once a year for 5 years because that is when the risk of recurrance is greatest. BCBS of Florida paid the hospital for ...

#273579
Nov 08, 2011
261

Theninet...
Blue Cross BlueShield - Blue Cross Blue Shield Refuse Treatment

I am writing 7 on you side to alert the community about how insurance companies, the Blue Cross Blue Shield in particular, picks and chooses the types of medical treatments that pa...

#271426
Oct 29, 2011
304

Anonymous
Blue Cross BlueShield - BCBS business practices

BCBS accepted my application ofr coverage. starting 10/1/11. it is now 10/12/11 and I have no policy information to go to the drs or get prescriptions filled. bad business practice...

#267635
Oct 12, 2011
214

Paul2011
Blue Cross BlueShield - Blue Cross Blue Shield NC - Deceptive! Stay AWAY!

Blue Cross Blue Shield offers services claiming to reimburse your medical bills, then sends you a dense and hard to read packet of information where it claims to be "transparent" a...

#267360
Oct 11, 2011
259

Anonymous
Blue Cross BlueShield - Horizon Blue Cross Blue Shield of NJ is a Ponzi Scheeme

Horizon BCBS is the shoddiest operation I have ever encountered. Every claim that I mail in gets "lost." After several phone calls following up on where my claims are, I then "am ...

#266094
Oct 05, 2011
319

Amht@aol...
Blue Cross BlueShield - They reject or deny claims all the time!

Horizon Blue Cross repeatedly denies claims from my health providers, citing that we needed to get pre-approval or the doctor has to write a follow-up letter specifying medical nec...

#265933
Oct 04, 2011
327

HMart
Blue Cross BlueShield - BCBS of Florida is the worst!!!

BCBS of Florida is the worst company I have ever had to deal with. I will never again have this insurance. I have been on the phone with them and back and forth from the hospital a...

#264546
Sep 27, 2011
349

Anonymous
Blue Cross BlueShield - BCBS PPO of TEXAS is garbage

I am a PROVIDER- and all I have to say about BCBS of TX is that they are terrible. A patient came in today, and all I needed was her Copay for a specialist, and after o...

#256507
Aug 19, 2011
472

Darrelll13
Blue Cross BlueShield - Blue Cross Blue Shield avoiding payment

My company TriQuint Semiconductor has been very difficult with getting ABA therapy for my son who has autism caused by a brain encephalopathy. Here is the summary: I have a psycho...

#252098
Jul 29, 2011
409

Anonymous
Blue Cross BlueShield - Charging $203.00 when we were told we did not owe any thing.

We were both in hospital, got behind on bills, got out got every thing strightened out. Blue Green said we were fine, we even paid 1 payment ahead, then we get a bill stating from ...

#252083
Jul 29, 2011
314

Srosetx
Blue Cross BlueShield - Blue cross blue shield trying to not pay claim

I think it's ridiculous that BCBS or any insurance co for that matter that we hire to represent us then sends threatening letters on attorney letter head to get me to reply to ...

#251431
Jul 26, 2011
422

Tbifamil...
Blue Cross BlueShield - Horzion BC of NJ Denies Coverage for Brain Injury

My husband has brain injury, he has limited short term memory and cognative problems. Horizon is denying further coverage for rehab because his progress is "too good". His doctor s...

#249828
Jul 19, 2011
380

Anonymous
Blue Cross BlueShield - Pulled the hippo law on me and my son is only 6 months old

I called Horizon blue cross blue shield of NJ tonight 7-8-11 because my son's doctor bills are not being paid.The agent said he couldn't speak to me because of the hippo la...

#247747
Jul 08, 2011
426

Anonymous
Blue Cross BlueShield - Insurance

Have have had blue cross blue sheild (Anthem) Indiana since 1994 and this year has really been bad about getting them to pay for claims that they had already paid for once...but it...

#246758
Jul 03, 2011
286

Anonymous
Blue Cross BlueShield - Blue Cross/Blue Shield Federal Plan NJ

Every time I mail a claim form to BC/BS of NJ, it is never received. I call and have the correct address and they do not receive it. What is up with that???Have to fax it. Where...

#245767
Jun 28, 2011
430

Schlotman
Blue Cross BlueShield - Denial of success treatment previously allowed; now denied

BCBS has denied previous treament given to me that was proven successful this year. They have become dr's themselves now and make their own determination of what is best you and y...

#244787
Jun 22, 2011
393

Anonymous
Blue Cross BlueShield - Deny, delay and make them fight for health care!

We cannot get any care from Blue Cross, we are continually denied coverage for everything we need, including antibiotics. We pay $2,000 a month, every time we need a medication or ...

#242897
Jun 12, 2011
498

Mike1953
Blue Cross BlueShield - Don't count on information you get from BCBS representatives

Here is a letter I sent to Blue Cross Blue Shield asking for reconsideration of denial of payment of part of my heart procedure. I dont' have much confidence that it will be resol...

#241334
Jun 04, 2011
604

Ordure
Blue Cross BlueShield - Anthem Blue Cross/Blue Shield won't pay claims they said they would

Oh my gosh! This is absolutely ridiculous! The insurance company says they are going to pay a claim. (They have to pay me directly because the provider is out of network.) The clai...

#241112
Jun 03, 2011
576

Jca
Blue Cross BlueShield - I had insurance through BCBS of TX until 11 months ago. I need it again and was rejected.

I had BCBS of TX for over a year. I had been on my father's account my ENTIRE life until I aged out. So, I got the individual insurance. Then my mother's company allowed for peo...

#240671
Jun 01, 2011
369

JRLODADE
Blue Cross BlueShield - Anthem BC/BS don't consider 11 yr. old as child

BEWARE - I have paid large premiums and have not been surprised by the large annual premium increases believing that I would get great care and coverage for my family holding a pol...

#235740
May 04, 2011
519

Anonymous
Blue Cross BlueShield - Worried mom

My son is 38 yrs. old he has peripheral artery disease,he needs a stress test. Blue cross and Blue shield denied his request telling him he was to young to need a stress test. Who ...

#232771
Apr 17, 2011
415

Anonymous
Blue Cross BlueShield - BlueCross BlueShield Dental Insurance

If you have a choice not to choose BCBS as your insurance provider-don't-horrible -every claim is denied based nonsense. They request additional info on evrything to delay payi...

#232327
Apr 14, 2011
343
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Health Insurance
Health insurance is coverage for hospital, physician, and other medical expenses resulting from illness or injury. Whole life insurance may also be recognized as ordinary life, straight life or permanent life insurance. It is a life insurance policy that provides death protection for the insured person for the entire lifetime. An insurance payout is made to the contract's beneficiaries when the insured person dies. It consists primarily of the mortality charge which is the part of your premium that pays for the life insurance coverage. The secondary part of your premium pays for an investment component which builds up a cash value that the policyholder may withdraw or borrow against. The policyholder typically pays a level premium for his whole life, although some policies may differ in this respect. Life insurance is intended to substitute a paycheck and care for a family that still relies on your income. Most people do not have life insurance after the age of 65. Whole life premiums are far more costly than term life insurance premiums. Whole life is pricey because you are paying for a life insurance policy as well as an investment. The rate of return on a whole life insurance policy is very low when judged against other investment opportunities. Whole life insurance should not be used exclusively as an investment. Policyholders have no input into the investment management process of a whole life policy. It may take at least 10 years for a whole life insurance policy to gain any real cash value.

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