Anthem

We purchased this insurance via the Marketplace based on the providers that “appeared” to be in their network. Once we enrolled, we discovered that none of the providers that they had listed in their network were actually in their network. This includes hospital facilities. We have yet to find any providers in our area that are in their network. It doesn’t appear that there really is a network. They also sent a notice to us that they are now requiring a referral for a specialist. It doesn’t really matter if they change that rule. That is actually illegal to do, because there aren’t any providers anyway. We are now stuck with this joke of insurance until next enrollment. Buying beware!

I renewed my health insurance plan with Anthem for 2019. Never had problems over years of being a member in the past. However, this year is different. I had canceled my credit card that was on auto-pay file with them due to other fraud charges. I forgot to update the auto-pay card on file with my new credit card. I then receive mail saying my plan with them has been canceled due to the card not working.

The Rep: Barbara was horrible. Had a terribly rude attitude. You could hear the unhappiness with her job in her voice. She was annoyed by having to give me the eligibility over the phone. Also gave too much eligibility info. other than what I was asking. Made the conversation extremely confusing. Feels as though she was trying to make the call complicated to please herself. Then was upset when having to repeat herself and accomplished her goal of trying to confuse me over the phone. Please let her know she accomplished that much. Overall horrible experience!

Anthem hasn’t been working on any of the items I mentioned to you back in September. Instead they are just taking back more money. We needed a Level 4 reimbursement for ** because her medication was above the contracted rate for Level 3. We asked for Level 4 but instead Anthem decided they want to reduce our score to a Level 3 without giving any reason or even reviewing any medical records and ignoring my 3 requests with the UM department, the recovery department, and with your department.

I’ve had no problems when my Anthem Medicare Advantage plan itself. My problem is the difficulty in getting info from the customer service department. The people I talk to are almost always very nice and seem like they’re trying to help. Unfortunately, they apparently know less about my plan than I do. All they do is read to me the same things I’ve already read. And what I’ve asked is pretty basic. When I asked whether an authorization was required for a specific service, I was told yes, no, and maybe. So far I’ve made 6 calls to find out what the coverage is for glasses following cataract surgery and no one knows other than that there is some coverage.

I need a two epidural steroid injections. To make a long story short, I have an L-3 herniated disc. The doctor I went to, who I would have bypassed had I known that he DID not do epidurals, referred me to another doctor. Spine clinic, in Dublin, Ohio. I go to the doctor on Monday, he says come back on Thursday for the shots to relieve the back pain. I was informed when I arrived that I had to wait for Anthem medicare approval. My back is screaming and so is my quad. I told

the help to put the bill on my credit card and withdraw the claim. They flat out refused. I tried three times on the phone. So, I do not have control over my medical treatment.

This is the worst insurance in the world. They never ever take this insurance. They find reasons not to cover. Their customer service is the worst. God save you if you go with Anthem. I was hit a bill of $9000 when the provider is in network and they kept rubbishing my appeal. Beware of this scam company. I am filing a consumer reports rt with the state to ban them in the state.

I have been fighting with Anthem since August 2018! In 2012 I had to have my 6th rib removed due to a mass. The doctor had to place a Gore-Tex mesh and anchor it to the 5th and 7th rib. After the removal I had so much back pain and then after a while neck pain, HA and shoulder pain. I was also diagnosed with TOS this year. I have spent a lot of days with physical therapist, massage and acupuncture and pain meds. I have had 4 of my doctors. Ortho Doctor, cardiovascular surgeon, the Breast surgeon and primary care doctor all write letters to the doctor denying the surgery!

I am a Type 1 diabetic that has been using Omnipod pumps for well over a year. Omnipod sent my pump request for approval well over 2 weeks ago and Anthem keeps telling me they can take up to 15 days to review and approve. Tell me what's to review if I've been using it for a length of time. Omnipod has been great. If I had a choice I would not be using Anthem. I will be sending the insurance commissioner a certified letter about this.

With no notice, Anthem stopped processing claims for the chiropractor that I have been seeing for 17 years - with all claims for 17 years processed and paid by Anthem. They have said that they have not received the required documentation from the chiropractor, however I know they have sent detailed information for each visit for myself and my 2 children via certified mail to the claims department. I have been in communication with Anthem through their claims department for more than 4 months now and the only explanation they have given is "they have not received the required documentation". This is untrue.

I have an HSA that contains over $8,000 of my money, not employer contributions, my money. I left my employer and when I tried to use the funds, I was told I can't - it has to be transferred to a personal account. I have called 4 times and I still can't use the funds that I put away for medical expenses. I have had over $400 in out of pocket expenses that I've had to pay while I wait for Anthem to take the time to "process" my funds, so that I can use them. Absolutely unacceptable. I have been on hold for over 10 minutes on what is my fifth call following up on this. DO NOT USE THE ANTHEM HSA if you want to actually access the funds you have earmarked for medical expenses.

I have used Anthem Health Insurance for 18 years. Always make my payments. In 2016 I was forced into the marketplace due to high cost. For 2 yrs 2016 and 2017, no problems. In 2018 I paid January premium online. In February 2018 at a doctor visit I am told I have no Insurance. But wait, I have a card in my hand that says I do. Hmmm So I call Anthem, Pay double for January and February. Seems they lost my payment for January. I found out in 2017 they misapplied my payment. All went to dental. I spent countless hours on the phone to be told they can’t figure it out. I just owe. So I provided information showing 2017 paid in full. So I had insurance for 2018. Now in 2019 I had signed up before Dec 15, 2018 and was enrolled. Anthem did not bill me for January 2019. I called and they say they can’t accept my payment. They say I owe for 2018 still. Here we go again.

For two years in a row, timely responses to info requested by the audit of dependent coverage was NOT handled properly by the agency. This is a second year in a row that responded with ALL requested info and still got a notice that my dependent's claims were no longer being processed because I did not respond. I kept details on photocopies sent the first year and time/date of phone calls the second year. The only way to properly resolve the audits were to call the number on the back of the card and update dependent info that way. But that is NOT what the audit instructions say.

I just turned 40 and with that for women comes all sorts of lovely things that need to be done including a Mammogram. Anthem will pay for the Mammogram, but they are in a dispute with the Radiology of Indiana and WON'T cover the radiologist fee. When you don't have much money and you need a Mammogram done and you have to pay for something that should be covered it makes you really regret having Anthem as an insurance provider. Do they not realize that this is something that needs to be done!

They keep denying claims for services that are In Network, in my local area and listed as covered providers. When I contact them via their message service to review the claims, they say out of area (it's 10 miles from my home, and in the same state and a listed covered provider). These are simple blood tests for annual physical. Unfortunately the provider has "Massachusetts" in their name, guessing this is the issue. So many other issues that I have to repeatedly follow-up on with them. Most get resolved eventually, but just so frustrated. Today I went to reorder my 1 and only medication, and the new cost is $154 for a 90 day supply, was $30 a month ago...on and on it goes. Crappy health insurance, crappy government oversight.

As a new employee, I called the call center to sign up for a medical plan. Keep in mind all phone calls are recorded for training purposes and I clearly stated I wanted to be signed up for a Plan B as in BOY which included a $1,000 deductible. I was mistakenly placed on a Plan D (I can understand the mix-up, they sound alike) which has a $3,000 deductible. As I started going to my OB, Maternal doctor, labs and other such places required for a newly pregnant woman I quickly realized there was an error. I called Anthem BCBS attempting to get the correct plan switched over and it took more than 3 months. The new card they mailed me had the same member ID # and group # but they assured me when a doctors office ran it they would be able to tell on their end of the deductible changes.

I newly moved from NY to CT and I needed a new health insurance policy. I followed the guidance and submitted my enrollment application on the first day of enrollment period, 11/1. I filled out eh auto payment forms and got confirmation mails about successfully of first payment. Everything seems in place. On 1/4, I received a mail dated 12/27 saying that they were able to deduct fund from my bank. But somehow the bank requested to get the fund back. Since I am unable to fund my premium, they wanted me to contact them immediately. Upon receiving the mail, I contacted them immediately, and realized that they cancelled my plan on 1/2 and were unable to reactivate my policy.

Absolutely horrible insurance!!! We pay $1,475 per month for a family of 4 for the crappiest plan. Very high deductible so we consider it emergency coverage. Under the NOT affordable care act the middle class is forced to pay for everyone else’s insurance! I don’t mind paying a little extra if it isn’t exponential and if we had good coverage. When you call you get what sounds like someone they pulled off the street and gave headset to. These reps know NOTHING! Husband needs knee replacement, called and after about four incompetent people and several hang ups was told the clinic of our choice was in network. Great! Made non-refundable hotel rooms and scheduled the consult.

I am a domestic violence victim and I’m trying to get documents from them of my doctor and hospital visits (explanation of benefits) for my court case. They raised their voice at me multiple times, told me they couldn’t help me, and said “it’s not their problem.”

Had ongoing issues. Pay way too much monthly, plus coinsurance and copay costs! Oh not to mention everything my family needs seems to be out of network so majority still paid out of pocket. Called to search new plan options hoping to find a better fit. On hold and transferred to one person and another. After 45min of this, a lady picks up and I explain I want to figure out plan options that may work better for my family and have more providers in the network. Said she’s got people waiting to enroll and she’s gonna place me back on hold! And I explained I’ve also been waiting on hold a realllyyy long time and I’m rightfully next in line so why can’t she go over it with me now? She hung up! Ugh???

$13,875 Individual PPO Premium + $3,000.00 Deduct = 1/2 my yearly take home wages. In Southern California. One Half. And not including copays. And I need insurance. Sixteen. Thousand. Eight. Hundred. Seventy. Five. Dollars. One half my wages. One. Half. I don't live above my means because I can't. Anthem lets me keep $1400 a month to pay for rent, utilities, food, auto insurance, gasoline, wi-fi, taxes and copayments. In Southern California. I've worked since I was 15 years old and always paid my own way. I have two roommates and I don't go to movies, out for dinner or travel. I never thought it would come to this. Using all my earnings to simply exist. I wonder how Joe Swedish used his $18.6 million? And what Gail K. Boudreaux spends her $2.2 million on?

I have spent hours upon hours on phone calls trying to have my claims paid to providers! I have followed ALL of my due diligence prior to seeing any physician and each time I have never had a claim that has not been a problem. I’m receive different responses each and every time I’ve contacted them — to no avail in getting my medical bills paid as expected! I would never choose this coverage and is certainly not worth the $586 per month I’m paying for my PPO Gold? They need to be reported for total incompetence along with American Specialty!

I am a heart transplant patient that takes anti rejection medication to stay alive. Anthem Blue Cross has on multiple occasions has blocked me from getting the medications I need because it's not their preferred pharmacy. As I write this it's a Sunday and the specialty pharmacies are closed and the Walgreens by my house has the medications but Blue Cross will not allow them to get it to me because they do not want to. They are making me go and get admitted to the hospital and waste the room and nurses from people who actually need it just so I can get my medication. If people have a choice for their insurance, I HIGHLY RECOMMEND NOT USING ANTHEM BLUE CROSS!!!

We have been trying to get a case settle for almost a year because someone at Anthem cancelled our insurance a month early and we were paid in full from having a baby and I had surgery still in December. We have been emailing, calling and mailing for 9 months and they still can't get it fixed??? I have been hounded by collections. This is ridiculous! We paid in $25,000 last year for coverage! No one will call us back and get it figured out!

Good luck getting real answers to needs. I recently tried to find out about my plans mail-order pharmacy benefits after reading about them in a Fall 2018 newsletter sent to me. A call to the provided Clinical Pharmacy Call Center initially was blown off by the first phone rep. That's right. Just blown off by placing me on hold and back into the call center queue. The 2nd rep was great but ultimately provided inaccurate details about the benefits and didn't even communicate my concerns properly to her supervisors.

DO NOT BUY THIS INSURANCE!!! I had Anthem Blue Cross. I went to the ER for a bad case of hives. I paid the $150 copay. THEN I get a bill for over $1,700. Anthem said that is because I have a $2000 deductable for the year. I MUST pay all of the $2000 before insurance will pay even a part of it. ARE YOU KIDDING ME... On top of the $450 we paid every month for premiums, FOR NOTHING!!! I have to pay for insurance I can't even use!!! SEVENTEEN HUNDRED DOLLARS I have to pay for a ** pill and some **... I suggest you all check your policies to be sure before this happens to you too, and you are blindsided by this. They aren't there to help you, just rob you blind.

I have tried for 3 days to get to tech support regarding Anthem's pharmacy tab and the listed medications that are 'ready to refill'. Anthem changed their website earlier in 2018 and since then I have been led to order prescriptions that say 'Ready for refill' and I don't get them and run out. I am not notified that there is a delay. THIS IS DANGEROUS. There is a HUGE disconnect between Anthem and the home delivery service which is Express Scripts. I am finding other ways to order my medications not using Anthem. Anthem's customer service is poorly spoken in English, I can't understand a word these people are saying. Taking Anthem out of the loop... they simply don't care.

At least with the browsers that I use (MS Edge and Firefox), Anthem's website fails to provide the basic service that I need: the Explanations of Benefits. So when they denied my large claim, I could not find out why. It has been 2 weeks since I notified them in writing, about this bug. With something this important, why haven't they fixed it quickly?!

My coverage with Anthem ended on 9/1/18. Since as of this date I was now on Medicare, yet on 9/5/18 Anthem took out another premium payment of $918.00. I called them on 9/7/18 to ask for a refund and they asked me if I had cancelled my coverage (it should have been automatically cancelled). I did call them in July to make sure that August 1 would be my last payment, so in essence I did call to be sure it would be ending in as of 9/1. Anyway, two weeks later I still have not received my refund. I have been told that they are saying no to refunding my money. I guess my next step is going to an attorney. DO NOT USE BCBS... THEY ARE HORRIBLE TO DEAL WITH, AND THEY LIKE TO STEAL MONEY FROM YOU.

I actually think it'd be better to deal with the cost of medical bills out of pocket than pay for insurance with this company. Oh wait, that's what I'm doing anyway despite having paid them thousands of dollars over the past year in case, you know, I have a medical emergency and have to go to the doctor? TL;DR - Had a medical emergency while out of state. Filed a claim with under my PPO plan. Claim was denied due to it being "an out-of-network, non-emergency" despite my having documentation to prove that it should be covered under their Explanation of Benefits.