Complain about a product or service

Blue Cross of Florida

Kristin of Panama City FL (04/24/07)
Our local insurance agent came into our office due to the fact that our group health insurance thru BCBS was due for a renewal. During the conversation our agent asked one of our employees how the coverage was doing for them and about a recent visit for some medical testing that he had done. The employee noted to the agent a fee that was charged as his co-pay for a MRI ordered by his doctor. The agent stated that was the incorrect amount and that he should have been charged less than what he was. The employee then showed her his insurance card and she stated that was the wrong coverage plan and she would contact BCBS and have them correct the coverage. She has paperwork renewing the groups coverage on June 2006 thru June 2007 and proof that she sent it to BCBS.

BCBS has since contacted the agent and has sent an email stating that they have no record of the changes and renewel on this policy, but because the premiums were sent in they renewed the plan as it was in 2005. They also state that they cannot help the group with any incorrect charges on claims or premiums. The new plan had a diff. premium and diff. co-pays for drs visits etc. BCBS said they no longer send out notices of canellations if a group does not renew.They simply renew the plans under the existing contracts. How can this happen when I as the consumer elected to change my group coverage for a lower premium and better co-pays.

I don't understand how BCBS can legally get away with charging consumers for a policy that they wanted to be changed. As the consumer I was not sent any letters explaining the lack of a renewel submission. My insurance agent assures me she has the proof that she sent in the renewel. She asks me what purpose is it for people to renew if BCBS is not going to enact cancellation notices or changes of policy plans. Please help me .

In April 2007 the employee was charged $671.95 for a MRI where he should have been charged $300 under the new policy if renewed in June 2006 effective until June 2007. He was also charged $ 181.60 for diagnostic tests where he should have been charged $ 75.00. The company pays the premium for this policy which is $597.84 from June 2006 until now when they should have been charged $437.02 according to our insurance agent from June 2006 until now. BCBS has other claims for this group policy that were overcharged. These are just a few examples.

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