Blue Cross of Florida

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.

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.

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.

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.

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??

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.