Florida Blue Reviews

I had them for four and a half years or so and everything was great until they never sent me a notice stating that because of my income change they would be charging me a good bit. Not only did I have the bronze they still wanted me to pay a bunch of money on it because my income went up a little bit. Also I went back and forth with marketplace and the actual insurance company and marketplace was willing to forgive me and reinstate me for a one-time thing. If I was to pay $111 then they would have gave me my insurance back no problem. But the actual insurance company the main office or whatever it is that is separate from the marketplace. Was all about telling me that oh it's going to be more than that there's a bunch to it and sending me through person through person and endless loophole.

After speaking with multiple agents at Florida Blue and not getting a resolution, I finally had the pleasure of speaking with Daniell S. on October 30th. Daniell went above and beyond to help resolve an ongoing issue regarding reimbursement for claims I had to submit on my own. She took the time to thoroughly research my case, communicate with both the surgery center and the doctor’s office, and make sure everything was handled correctly. I had paid over $7,000 out of pocket, and Daniell’s patience, professionalism, and genuine care made a world of difference. Thank you, Daniell, for your outstanding customer service and dedication — Yu truly turned a stressful situation into a positive experience!

The worst insurance experience I’ve ever had. Avoid at all costs. I’ve been transferred from one representative to another countless times, and most of them struggle to communicate clearly or understand my issue. The customer service is completely disorganized and unhelpful.

Difficult to work with. Dishonest and unethical. I will never recommend and would suggest to go without the to use Blue Cross Blue Shield. Have dealt with a challenging situation this month that I have been given the runaround, passed on from person to person and given inconsistent information. Once I jumped through all the hoops and had my problem resolved, and a refund check, the check bounced. No warning no information and I've had to start over again. I could not be more disgusted. Go with anyone else, but don't go with Blue Cross Blue Shield.

Customer service for entry-level staff is completely unprepared and untrained when it comes to handling Covid vaccine inquiries as of September 2025. For the last three weeks, I’ve been chasing down a vaccine like it’s some kind of scavenger hunt, and they still cannot provide a single location. The staff has absolutely no awareness of the current situation in Florida or the reality of how the governor and state government are actively restricting vaccine access. The incompetence is staggering, and the failure to provide clear, informed guidance is unacceptable.

I just got off the phone with Florida Blue with your customer representative, Kendra. Out of every customer service call taker I've ever spoken to in my life, she exceeded my expectations tenfold. She was incredibly helpful, courteous, and attentive in assisting me, and I could tell she genuinely cares about making a positive difference.

Oh, the bitter sting of betrayal! How is it that I have diligently paid my premiums $$$, trusted in the steadfast promise of security, only to find myself ensnared in a web of inadequacy? This insurance, which I believed would be my shield in times of turmoil, has proven to be but a fragile façade! When calamity struck, I turned to them, my beacon of hope, expecting solace and support. But instead, I encountered the disheartening truth: my coverage is but a mere shadow of what I need, a paltry offering that leaves me exposed and vulnerable! Unable to get my chemotherapy medication, literally fighting for my life! Is this the fortress I paid for? What use is a shield that crumbles at the first sign of battle?

I spent over 4 hours on hold trying to get a simple referral approved. No one ever picked up. I eventually had to hang up and cancel my doctor’s appointment because I couldn’t get the referral in time. This isn’t just inconvenient—it’s unacceptable. Their customer service is virtually nonexistent, and the system is broken. If you value your time and health, I do not recommend Florida Blue. Terrible experience from start to finish.

Avoid these scam artists. Horrible coverage and even worse customer service. I have been repeatedly denied coverage for a medically necessary medication for well over a year, even though a coworker who is in much better health had the same medication covered. Trying to resolve the problem is hopeless, as you will get different conflicting answers from each person you speak with. I received an email asking if I wished for a specialist to contact me to which I replied yes, and all they did was to keep sending me the same survey, or to call their number on the back of the card. Just disgraceful. I hope these cheap crooks will at least send flowers to my wife at my funeral because obviously they prefer you to die than help the doctor to treat you.

I had Florida Blue for years, somehow they've just gone down hill. Customer service is the worst I've experienced in a long time. They rarely have answers, and tell you they will call you back and never do. Their coverage is awful, and heaven forbid your doctors stop taking their insurance because they will send you to a patient mill where you're treated like a number instead of a person. Apparently, most of the good doctors in my area don't take them anymore. Thankfully, I was able to change insurance companies.

Awful, no coverage when needed. Absolute scam company. They will not cover you or do anything when you need it. Dr’s listed under their providers don’t actually provide services listed. False advertising. Expensive. Terrible company. Go elsewhere.

I can't be more dissatisfied with customer service and claims. I have been waiting for six months only to get one lie after the other. They have escalated my claim over four times and no one seems to know what they are doing, or maybe they just don't care about the people they serve. I will not be discouraged. Looking at other reviews confirm my opinion regarding their service. Proper training is long overdue for your employees. Script reading is not the answer needed when you're in the field of medicine.

I am writing to express my deep frustration and disappointment with the way my family’s care—specifically my 6-month-old baby's care—has been compromised due to your contract dispute with Broward Health. The fact that Broward Health is no longer covered under our plan is unacceptable, especially considering the complete lack of viable alternatives for critical pediatric services.

Florida Blue denied me coverage for my medication **. It is the only cure for the skin disease vitiligo. So my cost is $3,000.00. For 1 month supply of 1 tube of cream. This is the worst insurance policy I have ever be ever purchased! This is the worse ran company I have ever experienced! Just horrible the way they treat people!

Florida Blue is horrible. From falsely denied claims to poor coverage, it is a joke. I have had Florida Blue for the last two years and have not had a single claim until recently. I went into their approved vision specialist to check if I needed glasses due to bad blurriness in my right eye. The eye doctor found that I had a cataract and provided me with a referral to a cataract specialist. When I attempted to schedule with the cataract specialist, they informed me that I need the referral from my PCP, Florida Blue also told me the same thing.

Florida Blue should be ashamed. We pay around $1,000 a month just for my wife’s coverage, and yet when she urgently needed care for a dislocated shoulder, we were blocked by red tape — not because we were out-of-network, but because of Florida Blue’s own referral policy. What makes this even more outrageous? The provider already had a referral on file for the same issue, and we had an active case open. Still, the clinic was told they could not proceed — not even if we paid out of pocket. Florida Blue’s contract with the clinic forbids them from accepting self-pay from insured patients, even when it’s clearly in the patient’s best interest. So instead of care, we got a dead end — while my wife was in pain and medically deteriorating.

Do not- do not do NOT get this insurance. We thought this would be better - having State insurance- and it is awful! They cover next to NOTHING on medication- the deductible is so high- they nickel and dime you to death and aren’t willing to pay for anything. They have the worst customer service and aren’t helpful in any form in understanding our bill or why they keep rejecting medicines. As SOON as we are able to switch - we are - do NOT use this insurance!!!!

I decided to be self employed and purchased Florida Blue. In 2 years I had one ER visit as my son had abdominal pain. We ended up owing $5000 for that visit! One time I went to free clinic with UTI and was refused to be treated by a “doctor”. He was not wearing a badge so I didn’t even know who he was. Beyond useless! I had to call corporate quarters to get antibiotics as he refused to give me a script.

Florida Blue is the worse coverage ever!!! They will NOT APPROVE MEDICINE. Everyone who answers the phone has a language barrier. They are CRIMINAL IN WHAT THEY DO!!!! STAY AWAY! NO COVERAGE IS BETTER THAN PAYING THEM!!!

What a collective group of jerks. Every month my payment is sent electronically. They take up to 2-3 weeks to post an electronic payment, which is nuts for electronic payments. Other payees post in 1-2 days, after two weeks, I start to worry. I send a message, with proof of payment attached from my financial institution and they close the message telling me to call my financial institution. They are unresponsive, lazy, uncaring jerks. I cannot put it any other way. They simply suck.

The customer service is TERRIBLE! I work for a company that has Florida Blue as our insurance provider. Every time I reach out with inquiries, it takes a long time to get a response. When I do receive an answer, it often seems like they don't understand my questions or provide very unhelpful responses. They believe they only need to communicate directly with the company's Directors, not realizing there are Executive Assistants to support those leaders.

If I could give zero stars, I would. Horrible experience with Florida Blue, I pay out of pocket and have an HMO and getting referrals has been a nightmare because of guideline changes and different specialists and clinics not being up to date. I pay a high premium, and the quality in return is subpar. I will never use this Insurance plan again.

I got a very expensive health insurance policy from Florida Blue insurance through agent, Jacklyn **, Blue Direct Sales and am extremely unhappy! My primary residence is in Florida, but I also live in Georgia as well, so I needed a plan that covers both states. I was told by this agent that I will have insurance in both places….Well, physicians and services in Georgia are out of network! I was misled and this was a play on words on her part. I am paying $1,200 a month for insurance that I can’t use because I can’t afford to go out of network and pay huge $$$. Something is SO wrong with the insurance industry. This is criminal and to make matters worse, I finally got in contact with this agent and she tried to upsell me. I am at my wits end with health insurance and something needs to be done!!!

I have a PPo plan that is essentially "good' insurance. My employer pays for the basic and I pay over 400 month for myself. Insurance covers NOTHING. And then they - The insurance company bills you for services - You know they are pocketing money. I.e. I broke my arm and shoulder and needed a bone growth stimulator. BCBS says, "Your portion is 2,500. Pay us." Said can't afford it. Went directly to seller. Said cannot afford it. Ok here it is for 500.00. ANd that would NOT have gone toward my deductible. Went for CAT scan. My co-pay was over 300. The scan cash price would have been under 200. If you do that, whatever scan finds insurance won't cover. Had same situation on smaller scale today. Legal CROOKS. Goverment lets them do it. How many in Goverment, one example (Senator **) are known insurance crooks and billing abusers.

Absolutely terrible service on two separate occasions. I was sick once and went to a quick clinic for a checkup. When I walked in they told me they hoped I wasn't using BCBS. I was, and they explained that BCBS' systems were down and not accepting claims, but that I could file a request for coverage via physical mail. I paid the full fee that day and filed my letter. It was ignored and I never heard back or received any coverage. On the second occasion, I searched BCBS' database for a specialist in hand pain, which I had developed. When I arrived at the doctor my insurance was accepted and I saw the doctor for a five-minute conversation. She gave me splits for both wrists and scheduled me for an MRI. The same day BCBS denied my MRI.

The entire industry of healthy insurances is a scam, but with BCBS it hits the new levels! BCBS locking their customers ONLY to one damn lab in the radius of 100 miles and won't cover anything done by other labs such as LabCorp. The results are crazy, there is no appointments available to the approved lab for 2 months, so you basically have to wait months to get your blood work done AND you paying those scammers a premium. I can't wait until for healthcare reforms, we don't need (3rd party) insurance companies, we can pitch for it via taxes....

If you have co-pay assistance with a medication you are taking, BCBS is STEALING your money!!! They are stealing almost $6,000 from us. I have a disability and need this medication. The medication company is nice enough to offer patient assistance due to the high cost, however BCBS decided they should benefit from this assistance instead of the patient. It's disgraceful and they should be embarrassed. They are not following the court's recent ruling that the co-pay assistance should apply to your deductible. We are researching every avenue available to us to make sure that they don't continue to steal patient's money that was created for the PATIENT, NOT THE INSURANCE COMPANY!!

This health insurance is absolutely horrid to work with. There are very few providers who accept this abhorrent insurance, and the effort required to find and visit a specialist is enough to need a cardiologist. What is going on with health insurance in the last 5 years?!

This is the worst insurance I have ever had. Our company switched for 2025 and we had no choice other than BlueCross BlueShield of Florida for employees nationally. Surgery is scheduled for tomorrow morning and even though they approved the surgeon's charges they have not approved the larger cost for the hospital.

I just moved to Florida from Alabama. I went from Alabama Blue Cross to Florida Blue. I can honestly say that Florida Blue is the worst health insurance company I have ever had the misfortune of dealing with. They have refused to pay for medications I have been taking for over 5 years. Trying to get help is a joke. When you call "customer service" most of the agents speak better Spanish than English. They send you to extensions where no one answers the phone. I have had Florida Blue for 5 weeks. I have had to stop taking an antidepressant I took for 5 years -- cold turkey. I haven't been able to see a doctor and am now 4 weeks late getting a treatment for immune deficiency. Finally, they insisted that I take a generic medicine instead of the name brand I've been taking. But then I contacted 5 different pharmacies, none of whom can get the generic. I am honestly considering moving back to Alabama JUST TO HAVE ACCESS TO REAL HEALTH CARE.

If you send ANYTHING in by fax, call and make sure it goes to the correct department. I sent fax and 10 days later it just got to the right department. You would think that because of their error, they could put a rush on it, but nope. You will wait 3 to 5 more days.

The absolute Worst customer service who will lie to you over and over again just so they do not have to do their jobs. They canceled my health care twice because their sales rep was checking off boxes instead of listening to my request. They have added unwanted family members to my dental plan, AGAIN. I’ve not received membership cards in 3 months of repeated requests. Their hours of business are not customer-friendly. You never get to a supervisor and when you ask for someone’s name they refuse to give it to you. Florida Blue makes state Medicaid seem like luxury insurance! If BCBS is your only health insurance option in FL, then I’d advise you to move out of state!!

I used the myhealthtoolkit to locate an OBGYN specialist in my area. Many of the phone listings for physician’s offices are not updated. I called the customer service phone number for BCBS of Florida to make them aware of the issue. The representative said, “you can keep scrolling through the list and stuff until you find a doctor with the right phone number.” My point in calling was to get the error corrected. Also, therre first are limited female physicians listed for this specialty in S. Florida. The initial 20 offices I called were majority male physicians or a staffed female PA with outsourcing for surgical procedures. BCBS of Florida please do better to care about women’s reproductive healthcare and preferred provider needs. The nonchalant attitude was disengaging and should not be tolerated in healthcare.

Had BC/BS for Medicare supplement… Thought I had it until I called Baptist Healthcare only to find out the companies no longer were doing business…. My option was to find a new PCP or find a new insurance company… A call to bc/bs revealed that they sent me a letter announcing this in the mail… Funny or not so funny but getting cancelled because of a failed business relationship between two companies says volumes about both… Neither company found it necessary to advise their customers via confirmed communications instead relying on a form letter?

Not a great customer experience so far. I have had to spend hours and make multiple phone calls to find out whether a facility is in network and how much a service will cost. Everyone I talk to gives a different answer that contradicts the last person, tells me it's impossible to provide a transcript of their answer (even though they are recording me) and sends me on another wild goose chase. I am very worried about having my service performed and getting an incorrect bill that cannot be verified or corrected. Thank goodness I am not having to do this while I am sick and vulnerable!

Consumers are forced to change plans every 12 months under the guise of being to "the benefit of our members". Fewer participating providers and increased out of pocket costs tell a different story. Look elsewhere for better coverage.

I've been spending the better part of 6 months trying to understand why a Florida Blue sales agent sold me individual dental plans for myself, my wife, and my daughter and son who were under the age of 18 at the time the plan was sold, instead of a single family plan. I contact Florida Blue on multiple occasions to have my family all under my plan. This was never fixed. I again spoke with Customer Service 877-352-2583 on December 30, 2024, and got the run around without FL Blue correcting the problem as they were not able to fix the plan. I am having to cancel the plans for each family member and will seek a more reliable and reputable provider. Goodbye Blue Cross Shield of Florida.

I have had the worst experience with Florida Blue and I have dealt with many insurance providers personally and for my parents. I had to pay out-of-pocket for a visit while I waited for my member ID. Getting reimbursed for the in-network visit has been a nightmare. It has been many lengthy calls and every rep gives me different info! I have still not been reimbursed. Now, it's been a year since my doctor's visit and they are saying I will likely not get covered despite all the mess-ups they made along the way in processing this claim. They are the worst and I am so disappointed this is who my employer chose. :(

I don’t have a choice unless I change employers. I’ve never had worse insurance. They deny treatment and care my previous employers’ plan covered. It’s pathetic. I wish I could have brought my previous employers' plan to this company.

Horrible.. They are a complete scam.. It's useless to even buy this insurance .. After you meet your deductible they put you in out of pocket for all.. It's a disgrace.. It's better self pay, do not use.. It's useless.