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BC and BC PPO is accepted everywhere by all providers. There is never a question about coverage. Provider and insurance company resolve issues if any without input from the client. Hassle free and reliable.
Insurance and Gen needs to be revamped. I had a hospital stay for five days - the bill was $57,000. My insurance cover the majority of it. My portion of the bill was 2500 but honestly, if I didn’t have insurance I don’t know what I would’ve done.
The coverage of my health plan is very good. It helps me pay very little when it comes to prescriptions for drugs that I take and also when I had to receive procedures like stent implants to save my life from further heart problems. They came through with flying colors. That is why I shall continue to have Blue Cross as my secondary health plan.
This is a benefit that I retired from work with, fortunately. Good prescription coverage too. It's my secondary health care provider. As far as options, my options are I take what the union negotiated for us.
I am able to use my Doctor, no problems getting an appointment. I have no deductible. Most of my prescription medications are very low cost. I have always been able to get the care that I need: specialists, tests, physical therapy. Going to the hospital was easy and not stressful. Low co-pays.
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While traveling abroad I had disabling back pain. I could not sit or walk for more than 30 seconds without level 10 pain. I had myself driven to the best doctor that was recommended. He evaluated me, had determined I needed an MRI. Upon reviewing the MRI he determined I needed immediate surgery. I contacted my insurance company and they they could not approve anything immediately. They demanded two days for approval. Despite the fact that I told them I had major loss of function in my left leg due to the herniated disc, and broken bone in my spine. I waited two day, and my condition worsened. I was losing feeling in my left leg now.
I returned to the doctor and he immediately admitted me to the emergency room. I had emergency surgery that day. When I was coherent two days later, I called the insurance. Yay- they had approved my surgery. Now a month later they are refusing to pay because I had the surgery two days before they had approved. I still suffer from the loss of feeling in my leg that occurred while I waited the two days for approval that did not come till much later. Medicare for ALL!! These insurance companies are ripping off the USA.
Florida Blue has a LOUSY customer service team, useless customer service attitude, starting with Victor, Natalie and Olga, Olga's Extension is **. What a waste of space she is taking up at Florida Blue, Liar, incompetent and useless. What a shame these 3 are to the word customer service. Let's not leave behind Emily, she has no clue of what her job is, even though the notes are in the system. Hire better people. Robert **.
Working for a provider, it is exhausting to call BCBs and spent 1-2+ hours on the phone to get BCBS to pay for services provided. Their newest tactic is to deny claims and say there is other insurance as primary, despite the fact that a patients auto claim or work comp claim had settled 4-5 years prior. I have witnessed this numerous times with numerous patients over the past 3 months. It is very difficult for the patient to get this updated short of having a old work comp carrier or auto carrier call BCBS to update. The hoops that BCBS makes patients and providers jump through is ridiculous. In addition their call center in India has POORLY trained personnel, they barely speak english and have no medical experience or knowledge.
What is going on with Florida Blue, Blue Select? We upgraded to this plan after having Florida Blue HMO last year. Mistake! We now have even fewer providers, especially in our area. Half of the doctors our family used last year quit the plan, some in the mid-year, yet we cannot do the same. I contacted Florida Blue customer service for help finding a doctor and was given names one hour north and one hour south of me. That's ridiculous. There are numerous doctors right here in town and in the surrounding cities. Why do none of them take this plan (anymore)?
I called Florida Blue several times, regarding issues logging into the web site. The automated system sent me to the wrong Dept several times. Each time I was transferred I was put on hold. This is not the first time I have had log in issues. I have changed my password and all that entails several times. One password worked for a period of time. Than I got an error code it could not find my information. This has happened after several calls in the past regarding this issues. One on seems to be able to figure out the issue, for 5 months. I am sick of paying for lousy service. I have talked to multiple people re set password multiple times, did many tech maneuvers on my computer, still can't sign into the web site. If you can get through the automated phone, maze customer service is incompetent.
Insurance is not like it was in the old days (80's and 90's). I guess doctors back then weren't getting sued enough. Premiums are ridiculous and so is the deductible. I am not impressed with the prescription options. I can get some of my prescriptions cheaper without using the insurance and with FAR less hassle. I do like the online web interface though. It is easy to use and somewhat helpful.
I recently had a colonoscopy. After the procedure I was in a great deal of pain, I was bleeding and I could not pass the gas use during the colonoscopy. Borland Groover Clinic where the procedure was performed sent me home claim I would be fine. Twelve hours later I was close to death. My wife rushed me to the emergency room at Mayo Hospital in Jacksonville Fl. and they performed emergency surgery that saved my life. I spent 8 days in the hospital where there were times I didn't think I was going to make it. I now have a colostomy bag, a huge foot long scar wound from my groin to the bottom of my chest and hospital bills approaching $100,000. I will need further surgery and that means more bills.
Florida Blue has agreed to pay $10,000 and says I am responsible for the rest. They are claiming that since Mayo is not in their network they will not pay. Florida Blue representatives are telling me that I should have gone to an in network hospital. I was in no position to shop around for hospitals, I was dying. Regardless my policy claims in writing that if I go to an in network hospital my maxim out of pocket is my deductible $7900. If I go to an out of network hospital my maxim out of pocket is $15800.
Florida Blue is not honoring that clearly written claim and standing by their $10,000 payment. I am trying to recover from this life changing medical event and now shouldering what will be a long tiresome battle to make Florida Blue pay my hospital bills. I have always had health insurance Coverage to protect me in case something like this happens. I am 62 years old and have never had a claim. What an eye opener this has been. I never dreamed Blue Cross Blue Shield could be so unethical. I don't know how they live with themselves.
The high deductible is just too much for someone to meet. I no longer go to the doctor unless I am really sick. It just way too high. You need to lower it. My deductible is $7500, that is totally outrageous.
Florida BCBS use to be a reputable health insurance until they started hiring third party companies like ASH to micromanage the benefits you pay premiums on which makes them crooks. I would highly recommend you find a true PPO that doesn't scam their clients to make them think they have PPO when they only pay to have it but dont really.
The deductible is high, the cost is high, and you do not get many benefits for this Affordable Health Care plan. I would not recommend it to others. They offer different levels of plans, Bronze, Silver, and Gold, but I think there must be better coverage out there. I have not found it though.
I received health care in Hialeah hospital (ER) for head trauma, what was my concern. Dr Jorge ** in charge to review the claim determined that the insurance will not covered the diagnose and treatment. Horrible.
Around December 2018 BCBSFL processed my outstanding covered in network medical claim of $500 as medicare instead of my blue select of florida ppo policy. In result, claim was not paid and rejected to bill issuer and now bill is over 30 days due and will be sent to collection agency. I have called BCBSFL over a dozen times and spoken to two supervisors who assured me that the claim would be reprocessed. However as of today the claim shows that no department is handling it and is sitting stagnant. In the meantime, I am a cancer survivor and need to followup with several doctors but am reluctant to visit because I was told all claims will be sent to medicare and denied because of BCBSFL system glitch. In the meantime, I am making monthly payments for health insurance since October 2018 until present and have been been unable to use services.
I Signed up for coverage ACA end Dec. 2018 to start Jan. 1st, 2019 paid premium stated online same day, also set up autopay for remainder of monthly premiums. Thought I was all set for Jan. 2019, now comes a letter dated Feb. 3rd, "we have closed your coverage because we have not received your first full monthly payment?" When I initially signed up I was stated one amount which they (Florida Blue) immediately withdrew from my account, now they say that was approximately $11 dollars less than the full amount??? Why would I pay an arbitrary amount of $10.79 less than the quoted premium, and why would they withdraw less than the full amount??
So I call the customer service office today, there is nothing they can do, their autopay system is not working in the month of February either - but that’s not their problem - you should have paid the full amount - and they don’t know where that amount came from??? And here’s the CLOSER for all this FLORIDA BLUE - Florida Blue sends out an email to me dated 1-29-2019. Your Scheduled payment is coming up on 2/1/2019. Autopay: *Your total amount due will be drafted. If your account is past due or changes were made to your plan, your draft for this month will be different from the normal amount... Nothing about cancelling your coverage. THIS IS OUTRAGEOUS - HOW ONE COMPANY HAS SO MUCH POWER OVER ONE'S LIFE/HEALTH... This is why you flip the switch in people and there's road rage, why people go postal...
I was hospitalized in May of 2017 for 7 days and was told by the hospital that my insurance (BCBS of FL) would not cover my bill because of an exclusionary waiver. After looking at my BCBS agreement, it was evident that they should cover the claim. I then hired an attorney (for several thousand dollars) and BCBS finally decided to make a one-time business decision to cover the total cost. Over the last year-and-a-half, I've been receiving bills and collections letters and when investigating they keep pushing the claim around or not covering it.
Now the billing agency let me know that BCBS have changed their mind and do not want to cover the claim. I have tried calling several numbers and get nothing but automated responses with purposeful confusing and frustrating disorganization. Any person I talk to is a customer service rep with no power or answers and they often try to transfer me to someone who is not around. I have no choice but to keep my policy because it is affordable when compared to other companies. Remember, insurance companies are not around to provide healthcare...they are around to make money!
I'm already paying $210/month for my policy. It's the cheapest one with a very high deductible. I am stuck on a medication for the rest of my life and with the insurance deductible it costs me $200/month. I decided instead to use GoodRx coupons which I searched for on Google (only took me a couple of minutes). No membership fee, no signing up, it was just there. My meds were reduced to $100/month. Why am I paying for health insurance when my medicine is cheaper through free online coupons? Customer Service is terrible too. There's a reason why Blue Cross of Florida has 1 star. I hope too they lose business. I'm glad the government canceled the tax for those who don't buy a policy. I'm canceling mine.
I initiated my Florida Blue PPO health insurance on November 1, 2018 after coming off of Cobra from my last job. In preparation for the search for new private market coverage my new policy I got many quotes from health insurance companies within a Florida including Florida Blue Cross Blue Shield. After several weeks of research and firm quotes, I finally decided to go with Florida Blue Select PPO based on a quoted monthly premium of $1522.59. I was charged this amount for November and December, 2018. Beginning on January 1, 2019, Florida Blue without any notice increased my premium basically $140 a month for a new monthly premium of $1663.26. This was done without any notification by mail or e-mail.
My complaint is that after two months under an agreed to premium of $1522.59 per month, Florida Blue without any notice significantly increased my premium. In the initial negotiations in September 2018 with Florida Blue Sales Representatives they clearly made it seem as if my premium would be $1522.59 for at least a year but to my surprise, after only two months, I get this $140 increase per month which I cannot afford. The simple fact that Florida Blue May have misrepresented my monthly premium as a yearly guarantee in order to get my business to unfairly compete with other Insurance providers is totally unprofessional and is a clear misrepresentation.
No prior communication shows total lack of transparency. I made four attempts to get this resolved with the Florida Blue Billing and Complaint Departments but was either disconnected in transfers to Supervisors or told there is nothing that can be done. I find this business practice by the Florida Blue organization to be an absolute case of misrepresentation and I have already filed formal complaints with the Florida Health Insurance Commissioner and the Better Business Bureau. Stay far away from the company. Total scam...
Tried to pay my premium for my 2018 Marketplace plan in December 2018. Florida Blue would not confirm my plan or accept payment. They said they were waiting for finalization from Healathcare.gov. Healthcare.gov said everything was A ok. This explanation plays like a broken record. Dozens of calls to FLblue, many with a Marketplace Rep, on the line/3/way. At least 15 case and reference numbers generated by FLblue, these bogus case numbers would change overnight unannounced to me, so when I called to check on the status of my case, FLblue would have no record of the reference number for my case.
After 2 and a half months of NO confirmed health insurance and over $1800 in tax credits harvested by FLblue, I received a bill for over $600 from FLblue. They informed me I was covered since the 1st of the year. When I said I had proof their office they denied to confirm coverage and denied to generate a bill for this coverage and denied to accept payment, FLblue said, I have no further information for you. They are breaking the law!!!
How about we enact a new federal law: Any corporation that puts a "This call may be recorded for quality or training purposes" recording at the opening of their customer service helpline, automatically agrees, by LAW, that they are allowing themselves to be recorded as well. This review is not about warning innocent people about being yo-yo-ed around by insurance companies. This report is about exposing those responsible for stealing money from the US government and its upstanding citizens. Time to put some of these CEOs and upper management in prison. Oh ya, same thing is happening to me again right now in 2019.
Paid full premium for 6 months, (nearly $1400 per month), after losing subsidy, didn't hear anything from them till going to our pharmacy, was told we didn't have insurance, they told me after calling I had not made a payment when I did... If you're shopping around, I would suggest going elsewhere - this was not a good way to do business after being with them quite awhile - going elsewhere...
Aug. 13, 2018, my ACA premium tax credit for Sept. changed based on income documentation I submitted for 2017. However, my income drastically changed between 2017 and 2018. I appealed the decision in early September. Oct. 26th I got notice that that the August decision was overturned and, as instructed, requested that the reversal be retroactive to Sept. 1, 2018. I had also asked for it to be retroactive in my initial appeal. Until my insurance company (BCBS) gets word from American Health Marketplace that the tax credit is retroactive to September 1, there's an additional $600+ showing as owed for my September BCBS payment. BCBS has stopped my health coverage until the $600 is paid. If I had $600, I wouldn't be on food stamps and need the ACA tax credit.
Based on lab analysis done for a dermatology visit in Oct., my doctor has said that I have an aggressive squamous cancer lesion on my leg that needs surgery ASAP. I can't afford the surgery until my insurance is operable. American Health Marketplace told me today that they have 90 business days to respond to the retroactive request. That date is February 26, 2019. I'M HAVING TO WAIT 4 MONTHS FOR CORRECTION OF A MISTAKE THAT THEY MADE! As I wait, the cancer continues to spread and eat thru my leg!
Florida Blue has been denying claims with medical records and also pretends they do not receive claims. Also, if a patient has a high deductible, they will process it no problem because the patient will have to pay. If Florida Blue denies claim even with notes and the patient has a PPO plan, the patient will be responsible for the full amount as well.
We try to accommodate our patients when Blue Cross denies claims. After 10 years in this field, I can see that their plan is to pay on a few claims for a patient, then they begin to deny claims hoping providers will bill the patient because the insurance company knows they will create friction between the office and patients and the patients will feel they should go elsewhere because they don't want to pay for medical costs when they pay a fortune on their insurance. I have been battling the claims department on complete nonsense denials and it is completely frustrating because we are complying with what they request and they are not doing their part. Since 2009, this company has been denying and rejecting claims more and more and they are doing anything possible to not pay.
I called on September 29 to have BCBS stop my auto payment for October. I was told a bill would be mailed to me and if I didn't pay before November 15 my policy would automatically cancel which I wanted because I have new insurance. However on November the 2nd BCBS withdrew October and November premiums for a total of 1,900 dollars. I have gotten zero help from them to have this issue resolved.
Even though I checked for doctors on my plan during enrollment, they all dropped my insurance come January effective date. Then after seeing 1 option for Pediatric orthopedics for my son 3X for the same issue with no benefit I tried to get a second opinion. Guess what? After calling 10 specialists in my area, no one accepts my insurance. My prescriptions are often a battle to get covered and I’m over it. Why is there only 1 option in FL? All the doctor offices say FL Blue is the worst for reimbursement. I don’t want them anymore!!!
Under our Fl Blue policy my husband and I, both diabetics, are entitled to certain lab tests 4 times a year and one diabetic retinal exam, at no cost to us with $0 co-pay. The eye doctor says we owe a $75 co-pay and the lab makes us pay a co-pay (it goes on our credit card they made us give them at the lab) for the A1c test, lipid panel and urinalysis. Those 3 tests and eye exam are $0 co-pay under the Value Based Diabetic Program. Fl Blue keeps denying our reimbursement for services we had to pay after 3 bills and a debt collector calling, saying the eye doctor and lab aren't using the right codes for them to be the $0 co-pay to us.
Last I checked, both places have not gotten this cleared up, even after they called Fl Blue. We are entitled to these benefits and Fl Blue won't help the eye doctor or lab with the correct codes, what do we do? Now they want to raise our $1,500 a month policy $243 more! This has been going on for 6 months with me calling every month to get my labs etc. paid back to us.
I had no idea when I signed up for BCBS that I would be limited to the experience of Sanitas, the medical facility you must use if you sign up with BCBS in Miami. You cannot call your doctor’s office, all calls go through a call center (the primary language is not English), appointments must be made months in advance and last 10 minutes. You have to go to the doctor to get a referral and referrals take weeks (sometimes months), you cannot use CVS or any other drugstore - just Walgreens. You have to use their urgent care center which is poorly run and not at all convenient.
If you have any questions for your doctor or their office, you have to call the call center and no one knows what you’re talking about. They have to get in touch with the doctor’s office which can take days. Appointments are cancelled by phone days before when you have been waiting for a month to get in. So inexcusable. If you told people this before they signed up, they would and should go elsewhere.
Blue Cross of Florida Company Information
- Company Name:
- Blue Cross of Florida