Blue Cross of Florida

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??

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.

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.

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.

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.

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.

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.

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.

On a weekly basis now I am getting calls from my Primary care Dr. stating my insurance company says I am not compliant and not doing their required test. Today I got a call that I had not picked up one of my medicines. That was a lie. I ordered it on a Monday and did not pick it up until Saturday. HELLO! Maybe I didn't need it Dumb buts. Where are all the attorneys who like to sue places. When insurance companies start controlling your life and what you have to take and test to do then that is not a good thing. Florida Blue is good but not the best. They do not offer anything when it comes to Vision or dental. Time to move on to another insurance company.

Florida Blue is an insurance company I would NEVER recommend. First, they think they know better than specialist doctors, without doing any exams or reviews of records. They continually deny needed procedures, even when multiple doctors say they are necessary. Secondly, they tell you that if you are out-of-state, just go onto the national website to find in-network doctors. But if your Florida doctor orders a test, they deny coverage for being out-of-network because it's out of state. And even their reps don't know about this, but the lab says it happens all the time.

They denied a claim from my hospital back in May saying they needed the medical records from my surgeon. My surgeon's office sent them 3 times to the fax numbers provided! I’ve called BC/BS FIVE times about this claim. Two of those times, they said they received the records and they were with the Medical Review department. Today, they tell me they have never received the records and there are no notes in the system from my last two calls where the agents said they were still in review. This agent said she’ll call me back after she speaks with medical records. I’m not holding my breath – and I told her that. EVERY agent has said they will call me back and they never do. This is so frustrating - it's been going on for over FOUR months! And this was a pre-authorized procedure in the first place!

I was dropped by Aetna because Aetna pulled out of the Central Florida market. When I compared replacement plans, none of my providers accepted my insurance except Florida Blue PPO at $867 month plan. The coverage I now have is exactly the same coverage I had previous to OBAMACARE, which I don’t qualify for any subsidies, but my premium prior to the HORRIBLE OBAMACARE HEALTHCARE DISASTER THAT IT IS, was $267.00. I may just self insure and get a catastrophic plan.

My company contracts with Florida Blue for all our employees in many areas of the United States. Their provider search delivers ZERO results for all the locations where my family and I reside - Southern California, Northern California, and New Jersey. So, we cannot access our care at all. They don't answer their phones. They are closed on Fridays and weekends, so only get sick Monday through Thursday! Basically, this product is useless because they have made it impossible to access. But their CEO makes over $6 million dollars a year. Perhaps collecting everyone’s premiums and then making it impossible to access their service is how he can afford to pay himself so much. Does anyone else think it is immoral for the CEO of a non-profit to earn this much?

BCBS has tried to deny my child therapy to prevent deformity and tried to deny my wife life-saving medication. Lawyers don't have enough money to fight them and they have purchased the state of Florida politicians. They are the same as the rest of the lawless cartel and there is no doubt in my mind they have an unwritten "deny until they die policy". So here is what always works for me. Never deal with customer service. Call the CEO's office. Get the number from Bloomberg. Write a press release with a title like, BCBS denies Mother of 3 life-saving medication or BCBS drops insurance on child without notice. Make sure you are speaking to a representative from corporate headquarters. They will put you on hold for a minute and come back with those words, "Your claim has been approved." Good luck.

The company denied claims in July 2017 due to their explanation that their system changed my primary care physician in April 2017. After months of fighting they paid the doctor, then months later charged back the physician with no communication with me. They don't know why any of this happened and are refusing to pay the claims. I have demanded my premiums refunded to me in full or the claims to be paid with no response. They commit insurance fraud and need to be banned from doing business in the state of Florida.

They automatically deduct their payment off our checking account. They increased our payment without notification and when I called they said, "We mailed it." Well they didn't mail it to us so I cancelled our insurance. I was one day short of them deducting it so they are making me pay for another month before they will cancel. That is how insurance companies make their money stealing from the elderly.

I'm not going to speak about the fact that they almost tripled our insurance from Dec to Jan because "Trump MIGHT take away govt subsidies for Insurance companies". I'm not going to mention that when I signed up I was given a list of doctors none of which ended up taking the insurance. I'm going to say that they are just plain evil! They took off my 5 year old daughter off the insurance without any notice, no email, nothing, She is the ONLY reason I pay for this insane insurance that doesn't care about anything except getting money.

I signed up for temporary health insurance. The salesperson told me that after 90 day enrollment period, I would be eligible to apply for "regular" insurance. First, they processed my 90 days policy as 30 day policy even though in the contract it stated it's 90 days. After multiple transfers through multiple dept for two days and 5 hr phone time it was sorted out. Blue Cross accepted they were wrong and made a mistake and made necessary corrections. At the end of my 90 day policy I called to switch to new policy and I was told I am not able to do that. I have to continue with my temporary.

I have been using AvMed health insurance for 7 years very little problem with my medication. My wife change to Florida Blue this year 2018 and it's been a disaster to get any medication for both of us. Life THREATENING SITUATION. In fact, I might have to go to the E.R. TO SEEK HELP.

I have waited 34 days, and have spent hours on the phone speaking with multiple representatives to get a single prescription filled. Just to give you an idea, I've spoken to my doctor multiple times, FloridaBlue multiple times, Alliance (a mail order division of Walgreens) multiple times, Prime Therapeutics (I'm not sure who they are, but I was sent to them by FloridaBlue) multiple times, and Walgreens multiple times, yet my script has still not been filled. If you have a choice of health insurers, I would suggest you pick someone else. My coverage was provided by United Healthcare for over eight years, and I never had these types of problems. If my employer provided a choice, I would insure with someone else.

Had Florida Blue through state employment. Had a good experience. Changed jobs and purchased under their individual and family plans. In short, it costs me thousands of dollars and almost nothing is covered. They send you so much paperwork, even after I told them only electronic. A silly issue I had that created so much headache was around auto pay. I kept trying to set up auto pay and though I had confirmations online, it wouldn't go through to them in the coming months. I would get them on the phone and be shuffled around to departments, it was always a 45 minute or more ordeal.

I had Coventry through Obamacare and they stopped all insurance policies so I had to switch. Florida Blue was the only big name brand offering service on the Exchange. It is hard to find a good doctor there, very limited choice, mainly doctors who just accept Medicaid. I was lucky and found a good primary care doctor. They were good at paying my primary care doctor and my prescriptions. I know going to a specialist is a hassle, you need a referral. Luckily I never needed a specialist, so I can't say much about that. I really had no big problems with MyBlue. It all revolves around who you have for Primary Care Provider.

If there was a “ZERO” to give I will not hesitate. The worst customer service and agents ever. In Dec 2017 I was out of state on vacation. On Jan 1st 2018 I was hurt, I called and I was told to go to an urgent care and send them the bill. I told the agent I am not familiar with the area, she asked for my zip code where I was, I provided that, then she said go this urgent care and you will be cover. I walked in gave my insurance card, when it came to pay I was told that I have to pay out of pocket $249. I called FL Blue, I was told, "Oh you need to pay it then send us the bill."

I would give zero stars if I could. I signed up for Florida Blue Select, a platinum plan on the marketplace based upon my prescriptions being covered my providers working within the plan and I could afford the co-pays and deductibles. At the time I signed up there were over 300 ob-gyn providers available to choose from within a 10 mile radius, when I went to use the plan after finally getting pregnant as planned the amount of doctors available to choose from within a 10 mile radius was down to 75. All 75 of those doctors work for one company which is rated one star.