AnthemConsumerAffairs Unaccredited Brand
I'm a senior, I've paid tens of thousands of dollars to Blue Cross and Blue Shield in the last 35 years. The last time I had coverage with them prior to 2016-1017 where I specifically CHOSE them based on past experience, they didn't seem that bad. THIS time however, wow, corporations are considered people now and this one, like most, is psychopathic. They are not in the health insurance business to help the consumer in any way, they are in it to make obscene profits off of your blood and sweat, and put tons of your money into their shareholder's and management's pockets.
I'd love to give them minus 10 stars and it wouldn't be close to enough. Please read all the reviews here and choose another company, but research them first. I had to go through Covered California to get covered, that is a separate horror story, but be aware that if you get coverage through a state exchange you will be in an even more horrendous circle of hell than if you buy coverage directly. They blame all their own lack of even minimal competency on the exchange, in fact they won't even speak with you, except to tell you you need to go through the exchange.
So I did, twice, in mid December 2017 to cancel my insurance. I replaced it with Kaiser which thankfully in hindsight, I bought directly from Kaiser. I got confirmations of termination of the policy both times, but was billed in January, so I called Blue Shield directly again to get another "cancellation"! Mind you my premium had gone up from $636 to $778 to $1068 in just 2 years, with very little in the way of usage, meaning they made a very large profit off of me. I continued to get bills through March 2018 for the first 4 months of the year. I really had a massive fit at the 4th bill asking for $4,271.56, threatening cancellation, when I'd already made three cancellations!
At the end of January I even filed a dispute with my credit card company to block the billing, because even the credit card company could see that IT WAS COMPLETELY FRAUDULENT!!! So then BS (** you know what) started sending me paper bills again. The bills say pay or be canceled, and I of course was expecting them to follow through and cancel, but this is what I learned: I had started looking for reviews, and found that they have a pattern of continuing billing and then sending the person who had canceled them to COLLECTIONS!
BS would claim the person had "been covered" all that time, even in spite of the fact they had gotten health insurance elsewhere, thus attempting to take money that wasn't theirs, and creating a horror show of bills people couldn't pay, time lost fighting a psychopathic behemoth they couldn't spare, psychological trauma and damaged credit! They are committing breach of faith, and FRAUD! There were people who had to pay thousands to this company when they were actually insured elsewhere, due to this shady abusive bullying practice!
I spent another 2 hours on the phone today, talking with another BS "supervisor" who was hoping I'd just hang up, and supposedly this time I am "truly canceled" and can ignore the bill, but I'm pretty sure they will just let it double and then hit me up with a $13,000 bill and I will have to get an attorney to sue them. I can't even come up with the words to say how much I DESPISE this kind of egregiously bullying behavior, especially on such a massive scale! These people are vermin!
BS has already had several class action suits against them due to their corrupt policies within the market, but they don't seem to be held accountable for the damage they do on an individual scale. Please sign my petition which will be sent to the head of the California Department of Insurance. And for the love of all that is good and kind, please do not give this company your money!
We have been told we can only get our prescriptions from two sources: Walmart... that is always out of meds. Or the 90 day supplier through the mail. Advising all who want to get their scripts from whichever supplier they want. I'm willing to pay a little more for great service and not having to wait for supplier to be supplied by their supplier. Not yelling. Just want all to see this: IF THIS IS HAPPENING TO YOU CALL YOUR CONGRESSPERSONS OFFICE. Make a complaint and have them call Anthem. You should have the right to buy wherever you want. Last I checked I live in the great USA!!!
They paid to the doctor for an appt. that never occurred. I called multiple times over period of three month asking them to fix that error, that charge is still on my account. I even got bill from the doctor asking to pay him $8 for the appt. I never had. In the meantime I was working on lowering my cholesterol and paid for the test myself to see if method I was using worked. My cholesterol is within normal range now, however it took me two month of faxing and e-mailing after finally they informed me that my claim was denied.
You fax them a claim. They tell you they got it, I call back month later they never seen my fax and they don't know what I am talking about. When I complained thru messaging center they responded that I am sending message from someone else's account, which clearly wasn't true. I will look into getting different insurance because I don't understand what I am paying so much money for every month. This company has no problem paying doctor for bogus appt., but to apply $29 to my deductible when I am trying to improve my health and save them money in the future is a big deal.
I have used Anthem for a number of years and would recommend avoiding them at all costs. The customer support will lie about what is covered and not have any culpability. They did to me and were not held responsible. After submitting several documents many times (after Anthem lost them or claimed they didn't receive them), I went through first and second level appeals, only to be turned down for claims that they simply lost or did not disclose phone records for. Of course they always say... "We can't be responsible for what our reps say!" Catherine ** handled all of them. She did report all the calls I made. How disgusting to be the criminal lackey for a company that purposefully leaves off information on appeals and shows no consideration for the time and effort the insured has gone through to even get the information in their hands. My experience has been that this company serves itself and no one else and does so at a high cost to the consumer.
Unfortunately, customer service is offshore and communication with persons who do not understand English can be quite challenging. Had a surgery and was constantly called by regarding alternate solutions for the purchase of medications, after-care if necessary and request to confer with insurance specialist regarding conditions that gave rise to surgery. Constantly calling me before a surgery to take advantage of discounted options was alarming and bothersome. Notwithstanding that I declined all offers, my medical bills were paid.
Unfortunately, in my area the top rated hospitals only take Anthem PPO plans and the premiums are expensive in relation to the deductible. Anthem is no longer offering insurance in my area commencing January 2018, and my only alternative is Blue Cross. The premium costs in relation to the deductible are the same as Anthem. For those who are lucky enough to be treated at top tier facilities with other insurance, please maintain your insurance as you are lucky.
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I had Anthem for 16 years before retirement and they were excellent. I'm Medicare primary, with Anthem secondary through My retirement with State of California. Overall very happy.
It is awful, I paid like 300 for group ins and now I pay the same and the government pays about an additional 700 for a plan that is 7500 deductible and everything goes to deductible if it not a will visit, insurance companies cleaned up on this deal. They tripled their premiums so we pay the same and then the government pays 2x the old premium and now Anthem has dropped St Louis out of the coverage area.
They are our secondary Ins. and never had a problem of not making up the difference Medicare did not pay. We have a very good rate, and a PPO. So far the Doctors on our plan have been very good.
Anthem Blue Cross has become horrible. They are constantly raising their rates and never pay a claim. Their insurance is set up so that you end up paying and they pay nothing either by denying charges, deductible or out of network, even though a hospital is in their network. I was in and out of hospitals and doctors over a dozen times in 2017 and Anthem never paid a dime. I had to pay it all. I had to stop going to my asthma doc, my cardiologist visits. So, I changed to Cigna for 2018. Premiums are $5000 per year less than Anthem.
My worst problem is defeating weight reduction. I am not able to receive help needed for effective progress through Anthem...according to representatives.
This company is about one thing: money at any cost. I have had them question every prescription and visit. The latest is that I paid a doctor who doesn't deal with insurance (smart guy) $720 for 3 hour-long visits. Our contract stipulates that they are to pay 70% of this visit. They are sending me a check for $51. You read that correctly. Here's their fancy Trump math: They won't pay for the first visit, since it included a diagnosis and tests. That was the most expensive visit. It included an hour of therapy too, but because I had a diagnosis done too, they won't pay for it.
The other two visits were $185 each. I live in Seattle. According to Anthem, a "Fair and Regional" compensation for a Psychiatrist should be $36/hour. In Seattle. Of course, they don't even have a presence here, so they admit they don't know the market. But it follows some mysterious formula of pricing. My contract says nothing about testing, and certainly nothing about what they *think* it should cost vs. what it actually costs. They messed with the wrong woman. I'll see them in court. Avoid at ALL costs!
I have Anthem through my employer. The company has been very good about paying any billings, and they sent a payment made notice each billing. I recommend this company.
I would recommend Anthem with confidence to anyone researching coverage. In my experience, they have been a great service provider. Just be sure to research the medical groups, for that is where you will see differences of quality of care.
They paid for everything with no problems once the procedure and meds were approved, that took a little time, but overall Anthem was great. Never could have done it without them.
My policy costs $56 per month/$1300 deductible. Had I continued with old policy it would cost $562/$300 deductible. Since I don't use Drs that often, lower cost won out.
Since January 2018, prescription coverage has been beyond nonexistent - it has actually caused us more harm than good. When I go to pick up a prescription that I need that day, and I find out that WITH insurance, it costs over three times more than without insurance, that's a red alert to me that something isn't right with this company. Furthermore, I later found out that I could've gotten that prescription and saved 96% of what I paid if I had gone to Walmart! My child has been in the hospital for over a month, suffering from very serious medical conditions, and I had to fill my prescription at the hospital because I could not leave her.
Between the hospital's price gouging and Anthem's price gouging, I paid nearly $100 for a GENERIC prescription that I could've gotten for $4 elsewhere! And this was not through the Affordable Care Act - this coverage was through my spouse's employment, and prior to 2018, we had experienced very few problems. Now, it seems like every prescription we have to fill, we are paying anywhere from 3-5 times the amount of what it actually costs. Insurance companies are supposed to INSURE their clients, not screw them over! There is something seriously wrong with this picture, and I will be following up. This is essentially theft.
Every procedure I have had done was covered with no co-pays on my part. Medicare is my primary and Anthem is my secondary. The doctors I have seen are top-notch.
I am a nurse that has to deal with this insurance company because they are my company’s provider and they are a nightmare on a professional level and now they have become a personal nightmare also. I am in need of back surgery and after one and half years of conservative treatment they say the surgery is not medically necessary. If you have choice stay away from Anthem BCBS.
When my medical group violated HIPAA and then tried to blame my insurance company, the customer service agent at Anthem was fantastic. She went out of her way to make numerous conference calls with me on the line in order to assist me and keep the medical group from placing blame on my physicians.
Anthem just raised my rates (again) by 17.5%. Every time I get anything in the mail from them, I cringe, because I know they are jacking up my rates. I never get anything explaining how I can improve my health or get more out of my plan. In my info packet, I was advised to “See if your doctor is still in your plan.” I went to their website to “Find a Doctor.” There is an option to use your Member ID, so I entered it, with no results. I tried several times to enter my Member ID without any luck. Then I called their Customer Service number. I explained that I was trying to confirm that my doctor was still in my plan but that no list of doctors would come up. She tried to help me, but the site still not work.
Frustrated, I asked her if she would please check to see if my doctor was still in my plan. She said “NO” that I needed to find it on their website. I repeatedly told her that the website did not recognize my Member ID and the list was not coming up. Finally, frustrated, I hung up and called my doctor’s office. The receptionist there told me that “yes” my doctor was still in my plan. Anthem is a corrupt, horrible company to deal with.
Anthem pays VA for my services but VA customer service is very bad. I have no say so in my service at VA. I receive my medical care at the local VA and I do not have to pay a co payment and I am disabled but the VA service is horrible.
We were explicitly told by a representative that our exorbitant coverage allowed for us to pay a $15.00 co pay for an outpatient procedure my husband was having done. We called well in advance of booking the surgery to make sure that we knew exactly what we would be expected to pay. It is now over 6 month later and not only are we being held responsible for well in excess of what was told, but when trying to appeal the bill, the documentation provided to us with the denial outlined incorrect information and changed the wording of what was provided in the appeal, essentially making it easier to deny our claim. Months of trying to communicate with Anthem and we are now looking at a collections process for the misinformation provided by this insurer. We pay almost two thousand a month not including our state government employee contribution and I fail to see exactly what it is that requires so much money when we cannot even get a simple inquiry answered.
My employer recently switched my insurance to an Anthem BC/BS plan. This plan pays for nothing. The website is completely unreliable. If you go on to find out if a doc or facility is in network, you are wasting your time. It doesn't matter that they have a green check or not, Anthem finds a way to deny the claim. For example, every doc in my GP office has a green check by their name, which means they are in network so I should just have a $10 copay. However, the clerical agency they use to process their claims is considered out of network, so I am not eligible for the $10 copay. I have to pay out of network costs which can be hundreds of dollars. So to clarify - it doesn't matter that the medical professionals who are treating you are in network. What matters is whether or not the paper pushers are in network.
Since most medical offices use outside billing agencies located all over the country, Anthem customers are screwed. I think twice about going to the doc as I can't predict ahead of time how much it will cost. This is exactly what Anthem wants. They charge an arm and a leg for premiums - God help you if you miss a payment. They don't pay for anything. Their stock prices continues to rise, their board members are gleaning record gains, CEOs are paid millions of dollars, and customers are screwed over. The premiums we pay are not for coverage, but rather to make rich investors richer.
I HAVE BEEN WAITING 5 WEEKS FOR APPLICATION TO GO THROUGH! These people are useless!!! I get transferred from department to department. No Supervisor??? No one can help! And since enrollment is over I cannot contact anyone else! Unbelievable!
Horrible customer service, I spend 4 hours trying to get my policy reinstated due to them claiming my payment was not received which I had confirmation and was in contact with my bank which they never tried to take payment out. Still charged me a fee and basically stated, "If you don't pay the fee we will not reinstate your insurance." They were very difficult to work with. These people take enough of my hard earned money.
This review is about the January 2018 auto-payment by Anthem that caused my account on file to be debited twice for the same premium. After hours on the phone they did finally reimburse the 2nd payment to my account but not until AFTER I had been charged for having to use my overdraft protection account and incurred an interest fee. They have decided they are not responsible for this error so I will end up paying. At this point I will probably cancel the Anthem Auto payment and just use my financial institution's online bill paying. If this happens to you - it will take at a minimum 48 hours to correct the double billing problem Make sure you have overdraft protection in place for the large premium amounts that could be deducted from your account in error and be prepared to be on the phone for hours to get any corrections.
Knee pain Nov 2016 - went to see In network specialists. Paid my deductible at time of service. Deductibles met by Nov 2016 when initial visit made. Needed surgery; was scheduled and done in January. EOB show Anthem paying for the Nov visit and later surgery and related expenses. Jan 2018, received a bill for $500 from the specialist showing that Anthem REVERSED payment on the surgery Dec 2017 and NO EOB mailed to me. Deductibles met by Nov 2016 when initial visit made.
I was told by several representatives that my out of network claim would be covered fully and paid back to me. Now, 1 year and 1 month later, I still have not seen my $200+ that is owed to me. After many messages on their terrible online message system, several phone calls, and many frustrating hours spent dealing with this, I am at wit's end. They have told me that my claim went toward my out of network deductible for the previous year, and nothing would be paid to me. Now I'm in the process of having my claim adjusted to hopefully review the previous calls where I was told I would be paid out. I messaged them today for an update and their response was simply "When inquiring about status for a claim in process, please send us the patient name, date of service, name of service provider and claim number if available. Thank you." This is by far the worst customer experience I have ever had.
I tried to pay my January bill on behalf of my nine year old son. Come to find out he has been uninsured for the last five days. I was informed only when trying to make a payment that my state is no longer covered. I received no prior warning that his coverage would be ending. I tried to contact a supervisor and was just transferred from one representative to another, never being able to speak to management. I was told that a manager would be contacting me, but as of yet I have heard from no one. In my opinion this is a horrible way to treat a loyal customer. I would not recommend you enrolling with this company as clearly people don't matter to them, only the bottom line does. Sincerely, disappointed...
My son’s (21 yo) catastrophic insurance went from $218 to $350 per month with Anthem. They spend millions on CNN running ridiculous commercials while charging my son to pay for their advertising never mind his health coverage. His deductible is $7000. OMG awful.
Anthem expert review by Joseph Burns
Anthem is one of the better-known national insurance companies. It operates under different names, depending on what state a patient is from, but covers patients throughout the United States.
It’s easy to add other types of insurance: Anthem customers can easily add dental, vision and life insurance to their policies.
Offers benefits to people who become incapacitated by illness: Unlike many health insurance providers, Anthem offers disability benefits.
Fairly low-price plans: Consumers can get insurance for less than $100/month, although they also may have to pay high deductibles.
Plan options: Heads of families have fewer health insurance options than other consumers.
Best for: Students, senior citizens
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