Florida Blue Reviews

I cannot describe how frustrated and upset I am due to the lack of common sense people in the Health Marketplace system has. Marketplace neglected to cancel my previous policy. I got a new insurance for 2016 and had requested cancellation of my old policy for 2015 and now I have two active policies. Florida Blue still sending bills for the previous policy I cancelled. I have spoken to Marketplace twice and they say it will take 30 days to close my previous policy. Besides that the providers are billing the wrong policy even though I updated my insurance information and Florida Blue says I am delinquent with my premium.

I started having issues with my health insurance with Blue Cross of Florida since 12/21/2015. They assigned me to an HMO when in fact I wanted to continue with the PPO that I had carried all year long. In January my account started showing that I had 3 policies in effect. I have spent over 65 hrs on the phone for the past 2.5 months trying to fix these issues, spoken to the Marketplace, Blue Cross billing Department, customer service, Supervisors, and still nothing has been done. As a result I couldn't see a Dr during the month of January (paying for a service that I never got).

The company I retired from had Blue Cross ins. They were out of Maryland. I never had any problems with them if I needed insurance. I moved to Florida three years ago and kept the same ins. When the affordable care act came out my ins dropped me and told me to go to the open market and purchase what I want. I decided to stay with what I had (or so I thought). About two years ago, while I was on my old ins, I had a back injury. The pain was horrible and I tried everything under the sun to help it. After almost two months the doctors finally told me that I would have to have an epidural injection. I wasn't crazy about the idea but I was willing to try anything at that point.

We purchased Florida Blue through the Marketplace. Before buying the benefits it said "35 chiropractic services". Once we got FL BLUE again they confirmed (more than one rep) that we get 35 services. Our chiropractor (and many others in network) are only able to give us 5 adjustments because ASH (the company FL Blue uses for dealing with the claims) denies us after 5 visits. Our chiropractor has 71 other patients with Blue that get denied after 5 as well. When I or my provider try to contact Blue they say, "You've got 35", BUT if you contact ASH because they deny anything over 5 adjustments they will give no reason and say they will only disclose info with Blue on the line too! Call Blue and guess what? They won't call ASH with me on the phone or at all. They say it's between ASH and my provider. Sickening.

How can I complain and get help regarding the terrible service of Florida Blue (BC/BS) health insurance. Since healthcare marketplace has suggested a BCBS plan for us we are struggling. Had to change to a family doctor that we don't want (don't know). All doctors that we had in 12 years are not in network. Even if they state on their website (99% the website doesn't work due to technical error), that a doctor is in their network, when you call to make an appointment it is not true.

I have been terminated by mistake and have spent the last 6 weeks trying to get someone to resolve this issue. I have made my payments on time and have actually paid more than I should have because of bad information from the marketplace. So here I sit with no insurance after paying literally thousands of dollars, can't pick up much needed prescriptions and am getting invoiced for procedures I had done while I should have been covered. No apology from them even though they admit to mistakenly terminating my coverage. Ready to lawyer up and take these jerks to court. DO NOT GET ON BCBS INSURANCE!!!! I WOULD NOT EVEN GIVE THEM ONE STAR.

I have tried to use my Blue Cross 3 times and 2 of them are worth telling the public about. The first time was in 2015, I read my plan and saw that I am entitled to 1 physical per year paid by Blue Cross so long as I go to an in network provider. My experience at the doctor was quick and impersonal. About a month later I received a bill from the doctors office saying I need to pay or I will be taken to collections. I immediately payed the $250 then called Blue Cross.

Signed up for Myblue through Florida Blue to have coverage Feb. 2016. Got coverage, paid my first premium BUT... to my surprise... closest doctor is 25 miles away, and the number of doctors is so limited (5) that accept the plan. A class Action lawsuit is being filed, but in the meantime... no doctors. We all know all insurance, especially health insurance is a total scam and this is what you get when the insurance companies write Obamacare.

I spent over an hour on the phone with BCBS of Florida in an attempt to cancel my policy. I have spoken to 7 different people and have been given and sent to extensions that are not active multiple times. I am an in-network provider for them and their provider services and personal services are clearly designed to either not pay you or annoy you so much when trying to cancel that you give up trying. Their customer service is subpar and I am quite disappointed. I am glad as of today my money will no longer be lost on them.

I hurt my spine doing something at home. I was bedridden in complete agony and needed to have a Nerve root block (spinal injection). It has been a week of lying in bed in blinding pain waiting for the preauthorization to go through and I am losing a week's or more of pay from work since I am in too much pain to walk. This is an emergency. I am in bed crying all day from the pain. ERs all refuse to treat back pain because they believe that 100% of people with back pain are drug seekers, therefore the spine doctor is the only option but my insurance will not let me see them.

Wife broke her foot and went to the ER. According to our policy we pay a copayment and ER physicians are covered in full. In the end I had to pay a copayment of 200 and an additional 775 to the hospital that FL blue did not cover. Basically their policy is an outright lie.They paid part of the ER bill but they say the hospital can and did bill separately and that is not covered. So why does their policy claim you pay a copayment and that is all when this is clearly not the case. Their policy makes it seem like you are covered for an emergency but they paid very little of the bill. Obamacare forces us to have BS insurance that pays nearly nothing. I would have been better off to to ask for financial aid from the hospital and received a cheaper price.

I have had IBS-D for many years and in the past 3 years has been more severe. I have Florida Blue insurance through my employer. My prescription plan covers the drug but required prior authorization and limited quantities. My GI doctor provided two prior authorizations as well as limited quantities. 42 pills - Xifaxan (which is an antibiotic).

Not sure if it is Florida Blue or their providers in their network. I've been charged at every appointment & should not have been. No sure FB or their providers know what they are doing. Patient is stuck in the middle of fixing mistakes. Get IT TOGETHER!

I paid my first premium under ObamaCare so I would be covered on Jan 1, 2016. Florida Blue took my money and I still as of today Jan 12, 2016 have no coverage. I am out of my medication that I need and can't get my blood work done and can't go to the doctor appointment I have. The medication I use for my illness I am now having withdrawal from. I am puking, dizzy, hurt all over having anxiety attacks panic and attacks and I'm sure my cholesterol is going up as well as my blood pressure. All they can say is wait while they try to figure this out. Or go and pay and then send in a form for reimbursement. Haha sure I'm gonna go and pay 900 dollars and hope you send me back my money. You stink.

I have been on certain meds for GERD and other conditions for a long time. My NECESSARY medications are excluded Florida Blue! Before getting coverage we checked on physicians, labs, imaging facilities, etc. However, after becoming Blue, we are BLUED. My main meds are excluded. It is time for National Healthcare and eliminate this unnecessary middleman that charges money in exchange for nothing but aggravation. Our hard earned money will not even go toward the out of pocket or deductible. What benefits? Shame on YOU Florida BLUE!

Cannot get a human on the phone - username and password (written down so I know they're correct) do NOT work on their site. NO ONE available at CS - at ANY phone number. No way to reset either without Member number which THEY HAVE NOT SENT. But they sure as hell took my payment. THIS IS THE WORST COMPANY AND SHOULD NOT BE ALLOWED TO BE IN BUSINESS. They will make you sick.

Wow, wish I had read this before I signed up. I call it OBAMA CRAP. I had no problems with Humana but too many high deducts. I called the office on Park Blvd. They say they will call back. Never did. So I go there. They waited on others that had no appointments & I think because I bought online (they probably don't get a commission). All people in waiting room had bottled water or was offered it right in front of me! We never had it offered. I told her they have no manners/upbringing. They finally see me & not in the computer. I am now on hold 1 1/2 hours (number they gave to call), listening to music that keeps breaking up & very annoying. Now 1 hr 45 min. DO NOT VOTE DEMS!! Or anyone that wants single payor insurance. Thanks Obama & all dems.

In the last few weeks, I have had a problem going to any Doctor or Specialist. When they check my benefits, they are told that I am not making my premiums and that my benefits are inactive. When I call and sit on phone for hours, they say that all my payments are up to date and nothing wrong with my benefits. I had to pay today a self-pay payment because no one would give them a definite answer on my copayment which has always been 20.00 a visit. I called, they put me on hold and never picked up the phone. This is ridiculous. I pay my premium, I deserve fair treatment. They owe me 110.00 out of my pocket that I shouldnt had to pay.

I am literally going to any review site that I can to let the world know this is the most outrageous customer service I have ever had in my LIFE!!! 30 minute hold times to go with the 7 different transfer per phone call that I have with them! I still haven't gotten ahold of anyone yet and I am ready to raise hell!!!

After numerous phone calls and hours on hold trying to figure out what forms on contraceptives I'm covered for, I finally thought, hmm... Maybe this time they got it right this time. Nope. Couldn't be farther from the truth. I was told on TWO diff accounts I was covered for an implant contraceptive. Come to find out after waiting for 2 weeks they rejected my request. After more phone calls, additional hours on hold, three "let me forward you to so and so's", I finally found out that no, I was not covered for my preferred type of contraceptive.

My wife's pension system, OPERS, of Ohio, stopped paying for medical care and instead registered us with Florida Blue. After reading reviews here, we changed our coverage to Humana, who we have had for years. Their premium for Medicare Advantage was $0 and Florida Blue was to be $450 per month. When we called to cancel the Florida Blue plan, they transferred us to an 800 number for DISH network. We tried again and were able to cancel. Including reimbursement for our Part A and B, we will save nearly $10,000 a year. Nice work for an afternoon.

Blue Select is a joke. Blue Cross just wants you to sign up that's it. The "provider lists" that their own representative give are out of date. When you call the doctors on the list many of the doctors claim they do not accept Blue Select! Months go by and the lists don't get updated even when you call to complain. What anyone other industry would call false and misleading. If the provider lists are so limited then simply say so and don't tell members the "lists" are up to date. At least consumers can make an informed decision.

Buyers beware. Nobody takes this insurance first off. Second, my son broke his arm and they offered no pediatric orthopedic. This is a pretty common injury for a child! I called to get information 3 times before they gave me a short list of NON pediatric orthopedic offices! I since had my son removed and it's now taking me 5 calls and three weeks to get him removed off this bogus plan! I called today to get a list of ob-gyns since nobody takes Florida Blue and the agent rushed me off the phone saying she emailed me the list. I have no email from Florida blue and the office closed at 6!! Now I have to call them again! It's ridiculous. They don't want to pay a dime and they are stealing everyone's premium!

I was denied health insurance by the corrupt corporate monopoly that passes for 'health insurance' in this country, due to a pre-existing condition. Then, as a result of Obamacare, I was able to get coverage with Florida Blue who then spent the next two years denying coverage (appeals and all) for treatment of the same pre-existing condition that I still have and that should have been cured by now! What is it the French say? "The more things change, the more they remain the same." Maybe the U.S. will take a page from the more evolved Europeans and move to a public option, because the capitalist greed of health care providers (a proven misnomer) prevents the patient from attaining needed treatment, and at sky-high premiums nonetheless! Stay away from the whores at Florida Blue!

My pediatric patient with an elbow fracture had to be seen through the ER instead of in an orthopedic clinic as no pediatric orthopedists are covered by Florida Blue Select within a 50 mile radius of Tampa Bay!! What a waste of resources (using the ER for a splint placement). I have no idea where this patient will be seen next week for placement of a permanent cast.

I had Florida Blue for 2.5 years through marketplace for $600 a month (female over 50) plus I wanted the best coverage with little to no deductibles since I had just divorced and money especially extra money is a commodity. For 2 years no complaints. Coincidentally no procedures either. I received notice 11/2014 that they no longer were offering my plan and the one replacing it just happen to cost approx $150 more a month. I really saw no other differences in the plan except the hospital I use was no longer in network, nice.

As Florida Blue Member since 09 prior to ACA it was just Go Blue for emergencies. Then the ACA came into effect in October 2013. By Nov. 25, 2013 I had a plan. They have cancelled me 8 times in 2 years. If I had a job I would have been fired by now for how many hours I have spent on the phone with Florida Blue and Health Market Place. They receive my premium 4 days before due date, nothing has changed in my life except in August, had a birthday and am 60. The thought of fighting this battle for the next 5 years is beyond mind boggling.

I have had major surgery. Florida Blue would not coordinate at ALL with the hospitals and doctors/surgeons to estimate what my payments should be. They were well aware of all of the procedures in advance, but insisted that WE work with the different providers to ensure that we did not overpay. (It was obvious that our out of pocket maximum was going to be met). They will not coordinate with the pharmacies either - they are constantly telling US to call Caremark if there are questions. I will NEVER use Florida Blue again if I have another choice.

DO NOT PAY FOR THIS INSURANCE!!! I called to cancel my insurance EFFECTIVE TODAY, OCTOBER 2. I was informed that I "should have" called 9/30 because now I "unfortunately" have coverage until 10/31... and BTW, they are KEEPING my $644 premium despite my NOT WANTING this insurance to the end of the month. I also cancelled Dental- no problem there getting my ENTIRE premium back! By the way, I didn't have a new job until October 1, so I couldn't call them on 9/30! I instructed my bank to REFUSE the charge since the charge was UNAUTHORIZED and also I will be writing to my Congressional reps to seek their assistance in getting back my $644 and also ensure that the TV stations in my area broadcasts. What a bunch of rip-off artists this company is. I will also blast out what a bunch of crooks they are on Facebook and all other social media. Have a nice day.

My husband and I were customers of Blue Cross and Blue Shield for over 20 years. Then I had a GoBlue card for over 5 years and was upgrading to and HSA under Florida Blue in April 2015. I mailed payment to address in phone message, but did not get service until July 2015 at payments of 249 a month. I had place in under online for automatic deduction, but was mailed statements for $249 a month, then increase to $689 a month. On my birthday in September, I received a termination letter, then a check. I rather want my insurance. Why the increase in monthly statements? The original quote for deductions was $4000, but on statements, deductions was now $6000 in network, without an explanation. Was it due to my age or fact I had a stroke?

I had outpatient surgery on 7/9/2014. After paying over $2,000 out of pocket for the different doctors, assistants, anesthesia, supplies, etc. I received a bill from the hospital for $23,000+. I contact BCBS about the bill and found that BCBS denied the claim for 'lack of medical records' on 8/9/14. An EOB was generated on 8/21/14. The same claim was adjusted for payment on 8/26/14. Another EOB was generated on 9/11/14. The same claim was adjusted on 11/24/14 but there was no change in payment so no EOB was issued. The claim was again adjusted on 4/14/15 but again no change in payment so no EOB. The claim was adjusted again on 7/7/15 which reduced the payment BCBS paid from $2795 to $1988.

Florida Blue has automatic payments deducted from my checking account. Out of the blue, they sent me a letter threatening me with cancellation for premium nonpayment unless I immediately sent them the sum of $0.01. That's right, one penny. They thoughtfully scheduled my payment to be deducted on the last day of the month. For many, this could be a real inconvenience. Who wouldn't realize that when implementing it? They owe me for two payments they took out of my account in error. After numerous complaints, instead of refunding the money, they send me a letter saying they will send it via some adjustments next year. Comes next year, they tell me my plan is no longer available. And of course, I never see the refund.

It is apparent what Florida Blue is doing to cope with the federal mandate of accepting people with pre-existing conditions that they would not have accepted before. They are deliberately minimizing support to an unacceptable level then burying you in delays and paperwork when you appeal. Practically every person dealt with has been incompetent. This is why corporations need to be regulated.

There is no place to pay my bill on the entire website. When there are discrepancies and miscommunications with my policy, which happens at least twice a month, it is an hour+ ordeal to get a human being with a brain on the phone, and they are usually not at all helpful. I really like my plan, but they keep making changes to it, varying my copay and coverage greatly with no notice. The website though, a flashy, totally useless waste of space.

I am so disappointed with Florida Blue blue select. I have filed numerous complaints trying to resolve the many issues I have with this plan. It looked great in December 2014 when I chose it and paid for it. I have never been treated this bad by any company or person for that matter in my life. I am expected now to travel 150 miles to see Dr's they want me to see. Did I mention they shortened their provider list by 95%?

On December the 31st, 2014 I went online as usual to make my payment. I was unable to do so since the policy that was supposed to start on 1-1-15 had a cancellation of 12-31-2014. It took more than two months to sort this issue out. Florida Blue contacted The Market Place on a conference call to find out which cancellation date The MP had and were able to confirm that in effect the cancellation date was for 12-31-2015 making it a "typo" error on FB side. From that moment forward my insurance cancels twice a month every month. I send payments. They keep being refunded back to me. I am told constantly to wait two more days and by now we are in the middle of July and still have the same issue. One employee once told me that "the Obamacare has many issues and we knew it would not work." I was appalled because I found it to be a highly political comment.

Terrible insurance with policy! I feel like I got duped into paying for a policy with no real benefits - however since it was forced on the America people via Obamacare I decided to try and get something for my money instead of paying an ever increasing penalty for not having insurance. Most of the urgent care places in my network locally are MINUTE CLINICS at Walgreens.

I cancelled an account after paying two months. They told me I would get a refund. I opened another account and was paying it without any problem. After months asking for my refund they told me they applied part of the amount to my new policy. I said I never authorized that or ask for it. They said they would refund me the whole amount. I waited the 10 days they said it would take and when I called back they said they cannot refund me the whole money because they used it to pay my next month, which is not due yet! The service rep I spoke to made a mistake and asks the refund from the old account and because it was closed and the money was transferred to my new account, they did nothing! Now they say they cannot refund me all the money, but that's fine, I'm already paid a month in advance. The thing is that I'm paying for her employee mistake. I know the money is there, but I need it with me. They don't know my finances.

I got a new health insurance policy. FL Blue asked me to fax proof of the new policy effective date in order to get a refund for the month I had paid for two policies. I did that 3x over the course of 2 months. Each time they told me it needed 7-10 days to process. Finally, they told me I could only get a refund if I were deceased or if I had faxed proof of the new policy 15 days before my account was debited on the 1st (I didn't have proof of the new policy until AFTER my account was debited). I still have not received a refund. I am now disputing the charge through my bank. The amount is $998.

I had an approved operation, went through 6 weeks of recovery, and when in for second operation, and found out that they did not cover the first!! My operation was authorized and when I went to get my second done after 6 weeks, they denied it... but they also said that the first operation was denied after it was done!!! How in the hell gives the insurance company the right to play God??? They can't... I have now been talking to a woman that has been in the billing for insurance coding for the last 31 years, and she is so pissed off that Blue Cross in doing this to us!!! This is against the law and just because Blue Cross is so ** behind, does not mean that we (the patient) have to pay. You have to call the state insurance board or the state attorney's office and complain!! The # for the insurance board is ** and file your complaint, so the more complaints we have against Blue Cross, the faster we will get this resolved.

I received Florida Blue Feb 1st for cataract surgery. I called and verified that Tyson Eye was a verified/listed provider, that they accepted my 250 co-pay twice (2 eyes) with a zero deductible, and that this was a 'covered' service. FB explained that, sadly, the surgery center were Doc T did the cataract surgery was, unfortunately, not a listed provider, in spite of Tyson Eye owning it? Then they said, "Maybe they screwed up their Fed ID number... and, we're sorry". Meanwhile this PPO has cost me more out-of-pocket than paying cash without coverage? Loopholes, verifications, authorizations --- and even then it is a crap shoot whether they pay or play. Florida Blue is utter hubris bordering on malfeasance. I wasn't planning a documentary on HMO/PPO loophole health plans, nor any interest in becoming a benefits expert and health plan advisor --- but exposing utter incompetence lowers my blood pressure. If this is the ACA, I want to leave the USA.

I have never had as much trouble with an insurance company before. They don't cover anything, they're impossible to get in touch with, their website hasn't been updated in years (at least) and I can't find a doctor in the nearest three states that'll accept them. What's crazy is we had Blue Cross Blue Shield before, just plain old Blue Cross Blue Shield. We had great insurance. In four years I never had to call customer service once. But in the past nine months I've gotten more medical bills than I have in the past five years combined - and we're actually going to the doctor less! If you can possibly avoid it, pick another company. If you can't avoid it, apply for Obamacare. Otherwise, expect to pay huge monthly premiums and see 80% of your medical bills kicked back.

I pay 135 bucks a month. I haven't been able to find a primary care doctor. I called Florida Blue and was told I had to go online and find one. And if I needed a specialist, that I had to meet an 11000 dollar out of pocket before they would pay. I'm afraid I have something serious and can't find a doctor who takes my plan.

I upgraded my insurance plan at the beginning of the year to get the best coverage possible. They told me my new (upgraded) coverage would start Feb 1st of 2015 and to start paying the $618 premium on that day. Feb 1st rolls around and I get my bill for my old amount due ($425). I called FLBCBS and the rep told me it was an error in their system and that she was going to request it to be fixed, but to definitely pay the $618 so I wouldn't lose the coverage. March 1st rolls around and I go online to pay. I see the same thing, except this time it shows I have a credit because in their system it looks like I overpaid the previous month. So I call again, get a different rep who says the exact same thing. I go ahead and pay the $618.

When I applied for a health insurance at Blue Cross Florida in March 2013 the rate was at $218. Now 2 years later Blue Cross will increase the rate to $347 in July 2015. This is an increase of 60% in two years!!! I went only one time to a doctor in this time and they had to pay only 400 Dollars for this doctor's visit in two years. The application took me 9 months because I was too healthy and I never went to a doctor the last 15 years. I had to do a pre-examination and the company they work with did it wrong. I proofed it twice that they did it wrong, but the bureaucrats weren't able to read letters.

Florida Blue (FB) has twice denied coverage for a specialty drug prescribed by my doctor. I have been diagnosed with severe osteoporosis of my spine and right hip. The "usual" and "cheaper" medications will not work on my bones due to the severity of the osteoporosis. The medication prescribed is **, which, with a 2 year course of therapy will restore and rebuild my bones. FB has a contract with the CVS Specialty Pharmacy which has inflated the cost of ** more than twice the average cost of $1700.00/month. CVS charges $3600.00/month. Legalized highway robbery! Since I am paying out of pocket I can use any pharmacy I choose.

I have had this health insurance through Florida Blue for about a year and everything was fine until I decided to seek a lower premium and purchase another policy when the renewal came up. I purchased an HMO. Well here is where it gets tricky. I received a letter from them which stated that since I never picked a physician, they would assign me one that was closest to my home Pensacola Florida. I live in Akron Ohio.

I signed up for a HMO Florida Blue plan through the federal marketplace effective Jan. 1 2014. In early February 2015, I called Florida Blue to change to a PPO effective March 1st and on Feb. 15th, I sent in a payment for the new plan. I told the Florida Blue sales rep. to cancel my old plan as of the end of February. In mid March, I received an email stating that I had not paid my March premium. I called Florida Blue and was told they credited my March payment to my old account which was never cancelled. They told me to call the federal exchange which I did and they cancelled my account but only after a two week waiting period which made the cancellation effective April 3rd.

I was a somewhat satisfied Florida Blue member so when mandated to, I figured I should get a better plan for me and my family. I spoke with an agent and decided on a plan with the assumption my son would qualify for Healthy Kids according to their records. The problem was it would be full price due to our income and we would be better off adding him to our current policy. I called healthcare.gov to add my son and in error they changed my plan, however it was realized by me and corrected the same day. However Florida Blue claims to have received notice for the crap plan change but not the plan change the same day this was submitted back on January 26th 2015 - all happened same day. I called when I received the wrong card in the mail and was told I had to call healthcare.gov to fix it. I did. They escalated the issue and told me to give it at least a week but as much as 30 days.

Does anyone really do anything with all these complaints against them? In error the marketplace and BCBS opened two accounts for us in January and we have been trying to fix it ever since. They applied the payments we made every month on our premiums to the wrong account and now have cancelled our insurance and claim they are very sorry for the mix-up, however it will take at least 30 days to fix their mistake (which they have told me for over 60 days already). And now they have cancelled our insurance and refuse to pay for my prescriptions even though we paid our premiums and would not send me proof of our payments. I have my bank records showing we paid our insurance. I would like to sue them.

In April 2014 and May 2104 I did 16 sessions of outpatient therapy. In June I realized the insurance claim was for an inpatient for 41 sessions. Bcbs refused to change the coding and the rehab co said they have never had an issue like this before. I think part of the problem was that it was out of state. I did have preauthorization and my copay costs given to me before therapy. However, that ended up not being the case.

Bought coverage and they can't process to provide insurance. SO although insurance is allegedly effective 3/1/15 I can't go to the doctor or get medicine. I would pick an ethical company in the future - not this one.

Refused to cover my daughter's doctor visits while student out of state. Received letter stating to call person direct if questions. Called number to be informed that department did not take direct calls. All calls to them for any reason took multiple transfers had 2 instances where was on phone for over an hour. Had prescription written 5 weeks ago that I finally received rejection letter today that they will not cover at all. My insurance last year covered 100%. Fortunately I got in before the deadline and dumped them effective March 1st. If you are stuck with them I feel sorry for you. In my opinion they are the most greedy, incompetent company on the face of planet Earth and should be shut down.

Blue Cross refused to refund my paid Premium even though I provided them a certificate that I purchased other Health insurance. They stated my requested needed to be made within 45 days. I called Blue Cross to cancel my Blue Cross health policy approximately 4 weeks after I received proof of my new policy. They never told me this had to be completed within 45 days. This is a scam which I am now out of $1,300. Do I have any legal recourse? I live in south Florida.

I am a diabetic but am in very good health and have always (since I was 5) taken good care of my diabetes so that I would remain healthy. This horrible company makes it very difficult to manage my health. Every time I get a prescription filled, it is a fight. I have had to go two weeks without test strips - which I am supposed to use at least 4 times per day - all because they delayed processing and required me to switch brands. Now I have had to go without insulin pump supplies for approximately a week while they delay processing of that order. I should point out that they were ordered over a month ago! This is by far the worst insurance I have ever had! The only reason I give them 1 star is because 0 is not an option. Avoid this company like the plague! I am actually accepting a new job so that I can have a better health insurance company.

After ins doubled, we cancelled our ins with blue care network!!! Went to doc and they said No ins, please pay cash (they checked), took prescription in, they checked, said No ins. Pay cash!!! The payment usually comes out the first week of the month!!! The second week - the ins co takes out the $372.00 of my account!!! There's no money in that acct so now I owe the payment plus a bounce fee!!! They refuse to pay back the money and say I will have ins for the rest of the month and turn in all bills for doctor and scrips!!! I say bull!! I don't want your ins. We switched to a cheaper co!!! They say nothing they can do!!! I want a lawyer to sue them!!!

I have been with Florida Blue for more than a year. During my first year I had found out that I would need medical care for health issues I wasn't aware of previously, including surgery. Since I had a crappy plan that covered very little I was routing from hospitals to outpatient facilities to more outpatients, to Doctor's offices looking for the Dr. services that could match coverage + facility in order to have the surgery under coverage. The result was that the year went by and already in November I decided to wait until the end of the plan so I could purchase a plan with more coverage. On December 26 I went personally to the Florida Blue's office in Hialeah and purchased an All Co-pay 1565 plan for 509.76 a month. I assumed that I finally got to resolve the surgery and medical care needed since the new plan has a larger coverage.

My policy for over 10 years was good but they raised the rate to $1000 a month so I went to their web site and found another policy for $686. This was a Blue Select policy and I checked the site to see if my DR was included and he was. Note there is NO way to check Hospitals on the purchase site. Only after you buy does it allow to search for other providers. I had a biopsy at my usual Hospital, gave them my card and all went well until I was billed $9000 for out of network charges. Not a peep out of the hospital by the way in reference to being out of network. So now I'm checking each hospital to see who is in or out. Bad news folks, Blue Select is NOT covered by many hospitals. Looking for a new plan now on Jan 4th. I have chemo on Jan 5th so this may not end well. By the way I had called Blue to ask questions before I bought and had the worst customer service (none) I have ever had.

I have had health insurance through FL Blue for the past 10 years. In the summer of 2014, my premiums almost tripled. With that, I contacted the direct sales number, which was enclosed with the increase in premium notice. The representative was very helpful. I submitted an application for a new plan (1416P) and paid for the first month premium (using VISA) on 7/28/14. The policy was to take effect 9/1/14 and my old policy was to terminate on 8/31/14. I was told my new membership cards would be arriving in a couple of weeks pending my application approval. I did receive an email notifying me of my approval but no membership cards.

I have been with Blue Cross Blue Shield for 30 years-across the nation. FLORIDA BLUE should not be licensed here. I have been paying over $10K per year, not even including my giant deductible and out of pocket expenses. I have literally been attempting (incessantly) unsuccessfully to get through to cancel my insurance with them--via website; phone numbers; and more. Even the website has been "having technical difficulties" since late October.

Mistreated by management in the Florida Blue Sanford location. I was lied to, bullied, controlled and played games with. Very unprofessional horrible environment. After they bullied me, lied to me, I wasn't able to sell because the manager chad ** mislead me about information. He gets people to trust him so he can screw them over. He also took customers from me and tried to control sales. The managers are in competition with the agents there and will screw them over and even ruin their career if they want. After they screwed me over then they stole all my leads and customers and were rude to me on the phone treating me like dirt. One of the worst places to work. Beware...

I signed up for a BCBSFL HMO in March 2014 through HealthCare.gov. BCBSFL assigned a primary care physician that was located 90 miles away. At the end of July 2014, I tried to make an appointment where I live and the doctor's office would not make an appointment until I changed my primary care physician. I got online and did that, but it was taking too long, so I called BCBSFL customer service and they did it for me. I called the doctor's office and let them know and once they checked, they called me back and made an appointment for August 2014. They paid the claim for August 2014.

Terrible neck pain, numbness in back of head, pins and needles down to both forearms, severe headaches, can't sleep for more than 2-3 hours at a time. I went to a neurosurgeon, he said MRI is necessary. Ok. Florida Blue covers it. Great. Next he says a nerve is pinched in neck near the top. He says an epidural shot will fix this. Everything is set up and I'm to go to the doctor's outpatient center for the procedure. The night before I get phone call from the center telling me that they can't do the procedure because Florida Blue has deemed it "non necessary medical" and won't cover the procedure. WHAT? I called doctor and they said to file a pre-surgery appeal. I did and nothing to this date has changed anything. Now, three months later, I'm still hurting, not sleeping, have all the same symptoms, and headaches are more frequent and more intense. What can I do?

I called them to ask about reducing my premiums which were over $2,500/month. During the conversation I discovered that they had put my wife in a different county than we lived in. I asked and was told that being in that different county was an $88/month difference. Once I convinced them that my wife did not live 500 miles away from me and that we had never visited the other county. They admitted their error and corrected it. I asked about a refund for the past eleven years at $88/month and was told that they were only by policy allowed to credit the past 90-day period. I told my neighbor about the incident and he (being an insurance executive) told me that was bogus and I should write the Florida Insurance folks a letter. I did and received $11,000 in checks over the next couple months. These people are thoroughly confused. I don't know whether they lie as a matter of policy or are just uninformed. Be careful with them. They couldn't care less about your health.

I ordered my husband's supplies as usual through Edgepark Medical Supplies who handles the ostomy supplies I use for my husband on October 6th, 2014. I had ordered same supplies with no problem earlier in the year. After about 10 days, I realized something was wrong and checked with Edgepark who explained the order had been sent to FL Blue for approval and was still pending. I normally receive the order within 3-5 days. I had to hunt down an area ostomy supply store that does not accept Medicare or insurance and buy out of pocket a tube of adhesive paste.

The instances are too numerous, after only 10 months with them. There is ZERO Customer Service. Some facts: Called for assist, 6 different times... I hung up after 30 minute wait times. I learned. I stopped calling. I sent 4 e-mails to Customer Care (remember I'm a member)... and they did not return ONE. NOT One. I invested over 12 hours on the phone and e-mails trying to get assist. ZIP! Today, I needed an ENT. Nearest in-network was 1 hour 45 minutes round trip, and this is after actually reaching a FB agent to look inside their network. However, the "in-network" MD on the list they provided now refuses to take it... because the Hospital has privileges and no longer takes it if a procedure is needed. I'm SOL unless I want to fly somewhere.

Florida Blue claims that a late payment caused my cancellation of the policy. They also claim that they sent a cancellation notice. Yes, my payment was 3 weeks late to arrive to them. Florida Blue did cash the check and continue to pay claims all the way up to October 13th. They also continued to send billing statements which were paid again. On October 15th they decided to cancel the policy dated back to August 1 and returned my payment. I have never received any other correspondence from them other than proper billing statements. No notice of cancellation was ever received. I called them promptly after receiving the check and they said, "Too bad but we mailed the warning cancellation to you and we only have to say we mail it and if you don't receive it, this is not our problem." The rep's attitude was very poor and I felt like she was calling me a liar.

I was involved in an accident - rear ended, injuring my knee and back. I cannot find a Doctor who will work with my lawsuit. I get to opt out this month but need an operation now. I'm very displeased with this coverage. Even Publix cannot bill FB for a flu shot I received today. Just what good is FB? Does opting out allow me to revert to Medicare now, allowing me to get help?

No communication between MP and Fl Bl Fla Blue says they do nothing without it being done through MP... MP states opposite... wrong effective dates 3 months add my child she was never added then they back charge me as if she was... Hours hours on the phone talking to people that didn't care less about you and just tried to finish the call by the least they needed to do. Overbilled me. Would never get back to you after 10 internet messages. Wow. It was easier to quit than continue after 5 months of crazy.

Florida Blue Medicare is a scam. When I was forced to switch Medicare programs, Florida Blue was an easy decision since my doctor excepted them. Prior to, Coventry was a piece of cake to work with. Suffice it to say that I have stopped taking most of my meds including my diabetes meds, because even though when I filled out my application I listed meticulously all of my meds, I have had every single claim denied, except for two. These are all claims that had never been questioned, challenged or denied by Coventry. 90% of them are generic.

I began coverage in 02/2014 with BCBSFL. Used their website to locate a Dr. who told me, after several visits, that he did not take my insurance, leaving me with several thousand dollars of bills. I made payments for February, March & April and discovered in April, when I went to refill my insulin prescription that my insurance had been cancelled on March 31. I contacted BCBSFL to discover that yes, my policy had been cancelled for non payment in April. I explained that I sent April's payment and they discovered that I had so, they stated that they would send me a refund for that payment.

My Florida Blue Policy was effective May 1st. I received a bill for June and logged on to the site and paid it with my checking acct. # and received a confirmation #. About the middle of June I received another bill for June and it looks like they were unable to find the account # that I paid with so I submitted another payment. In the beginning of July I received a letter stating the premium payment still could not be processed and the policy would terminate by July 27, 2014 if it still was not received. I immediately got the payment in the mail and they received it but decided to terminate my policy anyway. Every time I call, there is no supervisor to speak with and no one can help. I am now stuck paying my medical bills and cannot get the procedures done that I need and I am getting worse day by day. How is this fair?

I signed up for BCBS/Florida Blue to start in January. I made regular payments with a couple being late (up to 45 days on 1) without much worry because of the 90 day grace period. I went to use my plan at the ER last week only to find out I'd been cancelled back in March even though I was still receiving bills, paying them and being thanked for doing so. No cancellation notice received though they said they sent one. I have spoken with 10 representatives and NO supervisors were available when I asked. Only first names were given.

I have paid for my FL Blue for two months using a Social Security debit card issued by Comerica. Today I was told they no longer took that form of payment. I would have to have a bank account to pay by phone or buy a money order and go to the post office and mail it. People with bank accounts can pay over the phone but those with Social Security debit cards do not now get the same level of customer service. I had paid twice before and the expectation was set with me that the card was a legitimate transaction. I see this as both discriminatory and a breach of ethics.

I went to a regular doctor's visit at Cleveland Clinic in Weston (largest healthcare provider in the area), in-network facility with in-network doctors. The doctor requested me to do a CT scan. Immediately after I walked out I scheduled the CT scan at the front desk next to the doctor's office and they gave me a date/time. A week after I went and did the CT scan, went back to the doctor, results ok, everything fine so far.

Like the rest of the lemmings we've become since Barak-Who's-Sane Baloney became dictator... I rushed to get my health care before this fictitious deadline landed us all in liberal hell! I paid the initial $600.00 which they had absolutely no problem processing. Then I waited and waited... and waited!!! The only thing I got from these thieves, are notices that they had not received my payment. So, like everyone else here, I decided to burn up as many hours of my rapidly vanishing life as I could by calling these charlatans! From there, it was a series of transfers and hang ups! After an hour of their lovely, static-laden hold music, having been transferred around like beach ball at a Jimmy Buffett concert, I got to this joker in "BILLING" who was apparently raised by Parrots... because all he could say is… AWK! - "YOU OWE X-$". And... AWK! - "My supervisor will tell you the same thing I did".

I signed up with BCBS at the end of December 2013. Paid for January and February 2014. I needed to be seeing a doctor to stay within my Long Term Disability terms. I never could get a membership number even though they said they escalated my service multiple times. I had a stroke in January 2012 and was looking forward to my insurance in January 2014 to stay in compliance. Waited, called, and visited a local BCBS site in Pinellas Park and was assured I would be covered.

While living in Florida my fiance and I had a happy accident, and I became pregnant. A few months later, I decided to move back to Wisconsin to be with him and closer to my family. I needed to get connected with my OB-GYN immediately because of some possible complications with the baby. So, like everyone else, I spent a lot of time waiting on the phone to speak with someone, several times. I got the green light from two different people that the doctor I wanted to see was in my network and that I had 60 days after I moved up to WI of continued coverage. So I move and begin my doctor's visits.

Unfortunately it is impossible to give less rating than ONE star, which is to be considered very generous in Blue Cross Blue Shields case. Unless you have unlimited patients and time on your hand. RUN FOR THE HILL. Personally, I signed up 3 months ago and have already spent 100 ++plus on the phone to solve all the problems they seem to create. Can't wait for my year to be up so I can take my business elsewhere. Hope those reviews are read by the headquarter so they can improve themselves.... and by the way... Don't expect waiting time less than 30 minute if you call for assistance. Most likely you will end up talking to 3-4 people and 2 hours later you are still left with the same problem. HOW IS THAT EVEN POSSIBLE....?

Applied in January for Blue Select plan. Paid my premium and got my card. When I received card immediately went on FB website and registered. Tried to pull up MDs and none of them were on plan. Went to FB office on 2/3 agent tried to call FB on hold one hr. I called Marketplace and a manager changed my insurance to Blue Options, and told me to follow up with FB. It's impossible to get a hold of anyone; being on hold becomes your career. I again went to a FB center in the middle of February and Orlando made a few calls and could not solve anything. He did tell me if I don't make a payment by the 28th I would be dropped.

Let me start off this by saying I am not one of those people who posts every bad experience online. I actually have never posted a review or experience online ever. I am not someone on any type of government funding or my employer's health insurance policy that complains about everything and expects the world. I am a self employed 24 year old. I work 60-70 hours a week to be able to give my family a great life and for my wife to be able to stay home and raise our son. I signed up with Blue Cross to give my family the best. The policy I chose for my wife, newborn and myself was over $11,000 a year. And that $11,000 a year was not counting costs showing up to the doctor.

We signed up with Florida Blue for Obozocare and the customer service the worst service since Comcast. We have to wait hours and hours on the phone to talked to someone. Today my wife went to her doctor for spinal injections and the nurse waited over two hours for authorization. Our address is incorrect in the system and after several phone calls it's still wrong. To date we haven't gotten a copy of our policy because of the address mess up. They owe us hundreds of dollars because we paid for meds out of pocket because can't get authorization. This company should be sued.

I worked with Blue Cross of Florida/Florida Blue during Medicare Open Enrollment (10/15/13 - 12/07/13). I wrote 10 policies and have been paid for 3. The remaining 7 policies were submitted between 11/20/13 and 12/04/13 for a total of $1491.00 (For the 7) in commissions. All of these applications were accepted and approved. Florida Blues pay period cutoff occurs the 18th of each month and agents receive their checks near the end of the month. I was not paid for the Dec. 18th pay cycle, nor Jan. 18th, nor Feb. 18th and now I'm being told that I'll be paid on the March 18th cycle. This story is quite familiar. In the beginning of this fiasco the agency that I have been working with (Healthcare Advisors) gave me the wrong agency number and one of my applications showed a different agent. They have been very nonchalant in addressing this issue and I am at my wits end in trying to get paid. What are my options?

In order to comply with the provisions of the Affordable Care Act, I signed up for coverage last October. The policy was to become effective on January 01, 2014. I paid my first monthly premium in full as I signed up for coverage. In December, I requested that I be switched to a different policy, and paid the difference right away. Even though my policy has been in effect since the beginning of the month, I have yet to receive a letter confirming my coverage, my policy number and my ID card. I have sent numerous emails, letters and faxes, and I have spoken on a few occasions to company representatives after waiting on the phone anywhere between twenty-five and fifty minutes, only to be given the round-around. In one of its many websites, Florida Blue alleges that it has been overwhelmed by the number of recent applications, and that it is having computer problems. I find it odd, however, that the company was able expeditiously to take my call when I phoned to sign up for coverage and faced no computer problems in order to collect payment.

I'm a CEO, owner of a company and own several businesses. I needed a hiatus from my current situation and as a nurse, I wanted to learn something new. So, I decided to work for BCBS. My training was below par, as we didn't have computer access for weeks... exactly three weeks, while medicare is paying us to learn the system. In addition, what we were taught wasn't even what we were going to be doing, so it was very confusing at best. I noticed my well-educated peers dropping out left and right. I was in shock that the "big guy in the sky" could be so disorganized. I had heard this about corporate America and here I was seeing and living it... I was so shocked.

I have been in contact with BCBSFL every day for the past week trying to get approval for a drug that's not on their list of drugs. My physician recommended this blood pressure medication after 2 different medications had failed to give the desired result. I'm being told that my doctor has to appeal giving more info as to why he wants me on this drug. His office staff has been waiting for 2 days now for BCBSFL to fax over the required forms for them to resubmit. In the meantime my blood pressure is alternating between too high and too low. As long as they get their money they don't seem to care if you live or die.

Blue Cross after a week approved a MRI with and without contrast of my wife’s head but still denies her the right to an MRA which would show the anatomy and possible anomalies with her artery structures of her brain which could rule out a possible stenosis or other cause of her syncope, fainting spells, headaches, blackouts. Her symptoms are getting worse now. Then MRI should have been approved immediately and MRA also.

Last year, I was having a lot of chest pain, shortness of breath, and pain down my arm. When I went to the cardiologist for evaluation, she did the usual tests (EKG, blood work, and nuclear stress test). All the tests were inconclusive results. I continued to have unexplained chest pain, jaw pain, and shortness of breath. Due to family history of coronary artery disease and only being 39 years old, my cardiologist ordered a cardiac CAT scan.

When people say that the health care system is broken, I now understand it from a personal perspective. I am one of many people rejected by BSBC Florida because of how they interpreted the way in which my doctor and I have maintained my health for over 60 years. I am in good health. I exercise at LA Fitness with a trainer twice a week. I bike 15 miles on Sunday mornings and I play golf 3 to 4 times a week. I do not have a chronic illness nor am I debilitated in any way. I have regular check-ups and blood tests. I have never spent a night in a hospital except for childbirth. The meds I take are for preventative health. It seems to me that their rejection of people over 60 is unwarranted and cruel.

My wife got insurance with BCBS of Florida in Jan. 2012. She had no insurance since 2006, we could not afford it. She had a normal visit with her doctor at that time and had her regular mammogram every year, and they found a lump on her right breast. They did a biopsy and found it was calcium, and when she got BCBS, she went to her doctor again and had the mammogram. But, instead of having the biopsy, she wanted to have the lump removed and the doctor tested it and found that it was cancer. We have $5,000 deductible so we paid everyone. We had paid over the $5,000 deductible.

I have a myocardial infarction on Sept. 13, 2008 and I underwent emergency coronary artery bypass surgery on Sept.15. I was readmitted for chest pain and I have a second admission for another myocardial infarction. BCBS FL pay for the services since I was under my wife’s group insurance plan. After 2 years, the doctor’s office called that BBCBS is asking for a refund and that I owe more than $25,000 and $200,000 to the hospital.

I was denied in-patient substance abuse treatment by BCBS although it is a covered benefit under my plan. My treatment team filed an urgent appeal requesting treatment. It was denied by Martin ** at BCBS. Martin claimed that he spoke with my MD and based on that information, the claim was denied as not medically necessary. My doctor has never spoken to Mr. ** and when he tried to confront him about the lie, Martin never returned the phone calls. My treatment team has made 10 phone calls requesting treatment on an urgent appeal and no call has yet to be returned to my treatment team members. In twenty four hours, I will leave the hospital without any treatment for my drug problem. I am scared for my family and for myself if I do not get the treatment.

I was diagnosed with breast cancer in June. I have never been diagnosed nor treated for any cancer before in my life. I have had 2 surgeries and am now having chemo treating. Blue Cross Blue Shield is claiming it was pre-existing and denying all my claims. They have provided me with no proof as to how they determined this.

We filed two applications in early May 2011; one for me and the other for my wife and kids (2 year old and a newborn). BCBS of FL approved me.

I moved from Florida on 6/2/10. Prior to that, I was living in Pensacola, FL and had Medicare Supplement Coverage through Blue Cross Blue Shield of Florida. They were auto-deducting the payment of $124.60 every month from my ING bank account. I called them to inform them that I was moving to Arizona. They told me that once I left the state, my supplement coverage would only be good for emergencies. Since I planned to get a new policy once I got to AZ, I told them to let June be my last month of coverage, thinking at least I would be covered were I to have an accident on the trip and until I had set up new coverage in AZ.

I got insurance on June 1st, the premium was $166, the sales person told me that had to add my daughter after they approve my policy. I sent a letter asking to add my daughter (she already had insurance with BCBS for 2 years), but few weeks later, I received 2 bills, 1 for $335 and the other for $142. When they usually took the money from my bank, I called them, and they explained me that I have to pay those bills. And in October they will take money from the bank again, plus they increase the policy, now I have to pay $190 for me and $71 for my daughter. When in the contract say that the premium may increase each year on the anniversary date due.

My doctor has prescribed Zocor for my cholesterol and they will not pay for it or for a generic either. We pay out of pocket every week for this plan and I really need this medicine! I could have a stroke if I do not start taking this medicine!

Our local insurance agent came into our office due to the fact that our group health insurance thru BCBS was due for a renewal. During the conversation our agent asked one of our employees how the coverage was doing for them and about a recent visit for some medical testing that he had done. The employee noted to the agent a fee that was charged as his co-pay for a MRI ordered by his doctor. The agent stated that was the incorrect amount and that he should have been charged less than what he was. The employee then showed her his insurance card and she stated that was the wrong coverage plan and she would contact BCBS and have them correct the coverage. She has paperwork renewing the groups coverage on June 2006 thru June 2007 and proof that she sent it to BCBS.