Blue Cross Blue Shield of Florida Reviews

They are not helpful in resolving issues, they refuse to cover most services and when they do cover something, it could be for $0.00, they deny or mess up claims, in their favor, constantly thus forcing appeals through an antiquated process. Worst insurance I have ever had by a super wide margin, including being self-insured.

I would rate it 0 if possible. The absolute worst insurance plan. High premium with insanely high deductible, and nothing is covered. Need pre-auth for every little thing. When you talk to an "agent" they tell you one thing then the next person tells you something totally different. And that's after being hung up on over and over. You will be on the phone all day trying to get basic information. Their search for in-network providers is a joke. And they outsourced their mental health coverage to a company that just gives you a long list of providers with NO categories or info. Does the therapist see pediatrics, provide a particular type of therapy, specialize in certain disorders? It doesn't specify. Just absolute GARBAGE insurance. They are predatory scammers.

Very disappointed. They say there’s a 3 month grace period. Cancelled my plan the same day they sent a past due notice. People get behind from time to time, hence the need for a grace period. Didn’t even give me two weeks.

This insurance provider continues to flag our account unjustly. It started last month when our Better You Rewards were applied to our May bill which reduced it. My FL Blue grants its members a 90-day grace period to pay their monthly premiums. If they do not pay their outstanding bill within 30 days, their system flags the account which restricts their benefits. The problem is My FL Blue is not waiting 30 days. They are restricting our account 5-7 days after the due date. I have reported them to CMS and FL Department of Financial Services. Their customer service team is horrible and incompetent. Most issues have to be escalated just to be resolved.

Extremely expensive individual coverage 1400. month, with horrendous service. They actually will approve something on the phone in the am, and have it rejected in their computers by the pm! They keep changing their providers list after you locked yourself in with them for the year. Their customer service center gives incorrect information about 50% of the time and even the secret concierge customer service misdirects you and wastes your time.

Do not use Florida Blue for your health insurance. They’re a scam. They make you pay a ton each month for coverage. Then, on top of that, they make you buy the ‘basic’/generic version of your prescriptions and it still costs over $70. The worst part, you can call in, discuss in detail the problem you’re having with an agent. Then, after you’re told one thing, go ahead and do something that you were reassured of would not be affected, then Florida Blue lies to you and changes their word.

This company is an absolute NIGHTMARE. I don’t have enough time to list all my complaints and it’s only May. This is the WORST insurance I’ve ever had and it’s NOT cheap. Many primary care doctors are dropping the myBlue HMO. I just found out my primary care of many years stopped accepting myBlue on April 1st because of all the “changes to policy” this company has made mid-year! How is that even legal? I just talked to a specialist’s office who I’ve gone to multiple times this year already and now myBlue is requiring a “pre-authorization” through my primary care for every visit I’ve ALREADY HAD this year. I did had a referral! Well, my primary care is no longer accepting this horrible company, so I don’t even know what I’m going to do.

Don't sign up for their Insurance! Crazy Co would take all day explain nightmares I've been through. Basically nobody knows anything-10 people tell you 10 different things-I foolishly gave them 2nd chance & of course, it was worse than 1st yr-DON'T MAKE SAME MISTAKE I DID!

I had to reschedule my doctor appointment twice because my booked MRI appointment wasn't approved by the insurance company. Blue Cross Blue Shield never approved the doctor order to the imaging center for no reason. This insurance company uses a third party as an excuse who cannot approve directly. So they just intermediate and do nothing. Everything is handled by calls. I had to pay by my own to get MRI study done and they said I won't get the reimbursement. I'm a cancer surviving patient and this is a regular follow-up which I've done it for 6 years with formers health insurance companies without any problem at all.. Don't waste your money and time with this insurance company. This is the worst health insurance company I've ever had!

I have been member of BCBS Florida for almost 17 yrs. This year for first time I used the benefits of the wellness card and I made 150 dollars for doctors visit and pharmacy co-payments, last year specialist copayments was 40 dollars. This year increased to $45. I went to see my cornea specialist due to a transplant and in records, they make a mistake charging from card old copayment $40 when they noticed was 45, they passed card again for 5 dollar to complete the full payment. And since then this have been seen a nightmare wellness card are contacting me by mail and email. I have explained to them what happen, they do not used common sense and keep sending me email that wellness card will be cancelled, my health is coming first that any money in this work and my insurance know all my medical issues, they can cancel the wellness card with the rest of the money $130.00 dollars but stop sending me more emails and letter.

The MyBlue insurance that I pay over $1,100/ month is virtually worthless. I pray to God that they do not deny my care any longer. The only reason I choose them was for a Dr. Listed on the "In-Network Providers". I set that Dr. Up as my primary and the Dr's office told me they dropped MyBlue for the terrible way they treat their clients. They should be banned from doing business in Florida and an investigation should be launched immediately.

If I could give negative reviews I would, this is the most garbage insurance that has ever existed. I have been dealing with a faulty organ for 4 months, I've had to go out of pocket to get my MRI, Ultrasound, HIDA scan, urgent care, and Gastro appts, because this insurance is so bad. It has costed me thousands of dollars and countless hours of work and I'm still not getting surgery because of it, I HATE this insurance with all of my being. I'll be dead before this awful insurance does anything.

A true emergency. A 911 call, ambulance ride to Mayo Clinic, a bad situation. Florida Blue doesn’t cover emergencies. Apparently they wish you the best but Don’t go to Mayo Clinic in a life and death situation because Florida blue denies 100% of the mayo bill. Florida blue states that they don’t recognize mayo clinic's coding. Mayo Clinic states that we have to fill out paperwork so mayo can “advocate for this charge and become a case manager, for us, To Florida blue" (we did that paperwork). Nope and nope. Florida blue won’t pay one penny. This was a life and death situation.

We appreciate if you get better about solving our problems showing inactive, in website which is not true, it is frustrating to call because it takes more than half to answer the phone, either your problem is appointment or bills, you are luck if you find someone to talk to and willing to help solve your issue. If you do prepare to be hours waiting. It is really frustrating when you pay to get assisted like this, scheduling appointments, for tech and communication problems between providers and doctors or clinics. People must be more professional and care about you are doing!!!!

I'm being generous with the 2 star review because the staff that assists me each year in solving this repetitive problem seem genuinely interested in helping. The overall system (after setting it up) each year runs flawlessly. BUT, every year after renewal, I receive an email instructing me to visit the site and be sure that the box is checked to automatically generate my payment. Since (every year), the website denies access to me, why not just let me pay via my own bank and set up the auto payments myself from my bank?

I’m not happy paying what I do for my policy nor the coverage it provides. I get a bill after every visit as well as paying for copays and deductibles. I make a decent salary but not enough to pay for all this!!!!

No out of county coverage for medical, agent will misinform about this..will not cover needed drugs if cost too much. Refused to authorize diagnostic tests required by specialist..Beware of Florida Blue Medicare Advantage plan including Ppo & HMO. Their computer system is putting people in the wrong county & plan & won't fix it.

These people send you a contract under the inception of your policy binder you will go. Their providers will charge you rates. There are not in line with their contract. They will send you to collections and try to ruin your life. Meanwhile, if you go try to talk to them waving around the contract the stipulated terms of network benefits, they will tell you that what is in their computer is in black-and-white and not the typed out material that they sent you with the binder. Steer clear of these incompetent people that will leave your health at risk! I still cannot use my insurance this year because the last few months they claim my policy is terminated and they can’t seem to take my payment. But they feel entitled to try to steal my tax credit! Thieves!

I renewed my house insurance directly was Blue Cross Blue Shield in November and double check that I could have access to the same providers because once again they change the plan. Not only my premium increase 50%. It took me three days to go through their list of providers to find a new primary care physician, I was sent list of providers that were incorrect doctors that were no longer accepting new patients and I had been gone for years.

Went to insurance office to get help to file claims resulting from medical problems incurred on ocean cruise in April 2023. Florida Blue office in Winter Park filed claims and they were acknowledged as received. Over the past 9 months I have dealt with claims, service, and dispute personnel. 2 claims have not been processed. Lastly I dealt with disputes person who said claims were entered but no one can find them. Don't reply to email. Don't answer phone. No way to leave a message. Customer service is no help. It has been 9 months since this claims process has started. What is a person to do? I just want them to process the claims so I can submit the explanation of benefits to my travel insurance.

The folks they have answering questions aren't qualified to answer. I have spent the last 3.5 years trying to get a refund check, I've spoke to "the manager" who said they were putting it in the mail...3 years later nothing..Second problem I have is trying to see why a claim keeps getting rejected due to not being able to identify patient...my responses are not even relevant to the question. Please call 1-800 if you are being billed for a claim that we have processed. NO you haven't processed the claim. Please do better...Get qualified people that understand questions.

After FIVE years Florida Blue decided to automatically CHANGE MY PRIMARY DOCTOR and PHARMACY with 2024 insurance. I'm informed right in the middle of taking care of tests, referrals for a surgery and a doctor's appt. the next morning, I had to call and change the primary back to my original. Then, after a doctor's office sending in prescriptions I find out my PHARMACY has also been changed after five years. They're saying it's mandatory I move to Walgreens. I was told there's no appealing it and it couldn't be changed. My current pharmacy is across the street. The new one is way down the highway through a nightmare of construction. I cannot fathom why they did this or wouldn't care about the situations of their customers.

BCBS are the worst. My individual health plan cost is very high. The customer service cannot answer any question as anyone I have spoken with do not speak english with any degree of clarity. Even more they have zero knowledge. The only reason I stick with them is the agent is so nice and helpful and I have one more year until I get Medicare. Guess what? BCBS are not even in the running to be considered for my advantage plan. Stay away from this company until they start be more customer and patient friendly.

Unfortunately, the process of receiving help with customer service is just an endless rabbit hole in part because the representatives do not know what they are talking about. They intentionally drop the call and hang up on you.

They are THE WORST. Nobody I have spoken to on the phone knows anything and you're lucky if you can understand any of them. They don't update their doctor list as most of the specialists they have listed do NOT accept their insurance. It has been absolute hell trying to deal with them. I have been urgently trying to get a retinal appointment. The ophthalmologists they have told me take their insurance #1 are not retinal specialists (which I specifically asked for) and #2 don't take the insurance. I am now well past due and having my vision impacted due to this.

BCBS of FL is our primary insurance provider through my employer. They have denied 30 claims for my family and myself stating we have another primary insurance provider, which we do not. I have spoken to supervisors who tell me they will correct their records and reprocess our claims but nothing has been done after 4 months of fighting this. I am now getting debt collection notices because of unpaid bills because BCBS of FL is completely inept and refuses to do the job for which I pay for.

I pay almost $10,000/ year for medical insurance with a $9100 deductible for my wife and myself. I got something in my eye and scratched the inside of my eyelid to the point that it had bled. I went to my primary and he prescribed drops to alleviate the pain and swelling. After preauthorization BC denied the prescription. After two days of pain and ME going back and forth between my doctor office and BC I called the pharmacy and paid for it myself. For a grand total of $64.99! They wanted more information from my doctor and held up my prescription for $65. What a terrible insurance company.

Please use this insurance as your last and only resource. Bad customer service and they don't know anything to help you with when you call and that's if you can understand them. They will make you wait more than a month to find out if they will cover you for a medication you need and probably won't cover it very well or not at all and nothing will be explained at all if you call about your responsibility.

Run don’t walk. Have been with BCBS for many years but after failing multiple diabetes drugs and having intractable vomiting with **, they won’t pay for a new drug ** for me to try after failing literally 5 medications. Guess they would rather pay for all the hospital trips instead. This company only cares about money, don’t use them if you can help it. Unfortunately this is the only insurance I can use because of my employer. Sad no one really cares anymore!

Absolutely awful. I pay $1300 per month for individual private insurance (just me) and they have denied two medications I need that my doctor wrote the prescriptions for. They also denied an MRI I needed. In addition, I am starting physical therapy and they have only 2 physical therapists in-network close to me - neither is good. Good doctors are often not in network with them, forcing the patient to opt for not so good doctors. Their customer service reps know nothing so don’t count on them when you need help. Their find-a-doctor section of their site is disorganized and not up to date. I’m so unhappy with them and will be making a change to another plan as soon as possible.