Florida Blue Reviews

I've paid $1450 and are getting screwed. On 3/4 I again went to a FB center and threatened to get an attorney. I was brought into an office and a woman typed something on her computer after I showed her my Marketplace site which said I had Blue Options as of 3/1 and that I had paid for it. That afternoon a girl named Tokara ** called me from FB and said she would be working my case. Almost three weeks later I'm still in limbo. She faxed letters to my doctors. I did see one on Monday and this am they called me and told me they are sending me a bill because they don't have a number and can't bill FB.

Yesterday I called my Orthopedic surgeon's office and asked to speak to an insurance person. I spoke with Penny and she told me, "We don't take any of the Obamacare insurances." What? I paid $739.00 for what? She checked in her computer and said, "Oh, yes we do. Blue Options is the only one." She transferred me to the EMG scheduler. I had one scheduled for 4/3. At 2:30 the EMG scheduler called me and told me she went in the computer and I still have Blue Select. I explained I had spoken with Penny from her insurance office. Well you can say you're out of network and pay 500 dollars. Was quite rude to me. I had a failed fusion in 2012. So that's my story.

The reason I chose Blue Cross was because I wanted to deal with an established and reputable company. My entire experience with Blue Cross has been horrible. I have called Blue Cross over the past 45 days dozens of times. Every person I have spoke to had no clue how to help me with situation. I was transferred to the wrong department multiple times, placed on hold, and "disconnected" more than I have ever been from any company.

I signed up for my policy on January 7th, 2014. I then submitted my first payment for over $900 on the same day for my policy which was effective on February 1st 2014. I was told I would be receiving my ID cards prior to start date of coverage. As the date approached, I still did not have any cards and my pregnant wife's due date was approaching. I started making calls to see what the status was. I was told by multiple people that I did not have coverage and there was no trace of me in the system. I contacted my original agent multiple times with no reply back.

After spending 10 hours on the phone and being transferred multiple times I got in contact with someone who told me that the case was escalated to highest level and would be handled ASAP. After days of getting the run around and no clear answer my wife went into labor. We were in the hospital with zero insurance, no ID cards, and no idea of what was going to happen financially. Our son was born and healthy =) which was the most important thing to us at the time. After everything settled I was back on the phone to check the status of our insurance.

After spending hours and hours ago a supervisor by the name of Meredith got in touch with me. She was very nice and seemed to be the only helpful person. She informed me that we had to wait for our ID #'s to "generate". We had multiple check ups after being discharged from hospital due to some complications my wife had. Every time we went to a doctor, we had no insurance information to provide them with and had to sign documents stating we would incur all charges due to not having any insurance information. On February 13th our IDs were finally generated. The nightmare was over.... at least that's what I thought.

Meredith assured me that my newborn son's information was in the enrollment department and his information would be generating. My wife brings our son a month late for a doctor's appointment and we are informed he has ZERO insurance. The nightmare starts once again. I contacted Meredith once again multiple times but this time there was no reply. I started calling Blue Cross and was transferred multiple times to wrong departments. Finally I am on the phone with someone who seems to have an idea. She informs me that my son is not in the system and I will need to fill out a form to add him. She also states that he has to be added within 60 days of being born or he will not be covered.

I try to explain to her that the supervisor said he was enrolled and that I have the emails. She basically tells me fill out the form and the emails are irrelevant. I then asked for the forms and asked if I could fill them out electronically and send them back so he could covered immediately. She states there is only 2 options, they can mail or fax the form. I do not have a fax so I asked if they could email me the link for the form. She said she cannot do that but will check if someone can. after being on hold for 10 minutes she says, "No one can email you the link." I asked for the link and for them to mail the form. I asked her to verify he would be covered and she said it was not 100% and there's a chance he will not be covered for this calendar year. I then went home and typed the link in to fill out the form. Of course the link I was given was for the wrong form. Now the date is March 16th. My son has zero coverage and the deadline is 16 days away.

Next, the drama began and unfold before my eyes. We are all registered nurses mind you and have strong ethics. Let me first say that! I had a gal working next to me walk into her cubicle in tears because the company had written her up! I inquired what the issue was at hand. She stated "that they claimed that she was trying to get onto another site?" She said, "I can barely get onto my own site, much less try to get onto another site!" I absolutely can attest to that, as there were too many phone calls daily that I had to personally make to get my password and access changed daily. Always something going on. The decisions made from the nurses were subjective, meaning I may interpret it this way and the MD won't get paid and another can interpret it this way. Too much gray areas. Then some of the more seasoned workers said, "If in doubt, just approve and get your quota filled!" That's crazy. I wouldn't do it.

I want to know why I'm approving or disapproving anything! When you take a job there, you must disclose that you may know or have a personal relationship with someone in the medical field. Um... duh? We're nurses. We know a lot of doctors! But, I did disclose all of that. BCBS has this hotline, that if you don't like someone working there, you can call on it and they will waste your time, upset you and bring you down to HR to discuss the accusation. I was in shock!!! Totally that they waste their time with some matters. It's almost laughable. So, if I don't like someone there, I can call in and make a false accusation. I find this to be libelous and a huge liability for the company. So, because a person working there knew me, and was "jealous"... what is she doing there? Who said I couldn't own a company and work too? Isn't that the American Dream? So, I was very humiliated, upset to be called down to be quoted what I disclosed on my information. What a waste of time!!! LOL.

I'm normally the one calling folks into my office to counsel them but here I was being counseled. It was almost laughable. "Do you know so and so?" they said. "Of course... I mentioned that in my non disclosure." "Yes, you did. Do you own your own business? "Yes, I do." Where the heck is this going? We don't take insurance? What a total waste of time. I was fed up with this... I couldn't believe that a company like this would do such a thing! Then one day, my computer locked up... and I couldn't get access so another colleague helped me, then I was called in and said I tried to get access to something I wasn't supposed to get access to? Umm... I couldn't get access people to what I needed to do for my job so how could I get access to something. I don't know what you're talking about!!

Needless to say, after seeing how the big guys do business, it's clear to me that they have poor training... poor HR tactics. I did, however, prior to leaving and quitting because I didn't need the job, I just wanted to learn, I recommended a template for all decisions so that it wouldn't be subjective. Then I was told by my supervisor who I was more well educated than to "HUSH." I thought she just said chime in if you have great ideas!!! Well, to me, if you want to turn and burn charts, make a template. OH well, I hear they are implementing what I recommended... lol. I should get paid for that idea. But I quit, left and when I pass by there, I just want to say, "Shame on you, you got away from being a good company... shame... shame..."

Go to work for smaller companies. They are more friendly, honest, ethical.

I have been fighting with Fepblue to pay this since last year. I have jumped through all their hoops and sent them all the required documentation, letter from cardiologist and records. They continue to deny claim. I am very disappointed that Federal Government has such lousy insurance for its employees. My next step will be to file complaint with Florida Insurance Commissioner. This is so infuriating, that I have to waste my time because Fepblue is not willing to take care of their customers! You pay your premiums and get nothing in return when you are sick!

Soon after, the insurance company said it was preexisting and would not pay, but some things they paid. They paid for some of the chemo treatments. Now, they refuse to pay anything, so we are stuck with all the med bills. We were paying $470 a month and then, they raised the payment to $560 a month. So we cancelled the insurance with them. We could not afford the payments and still have to pay for the med bill.

I would like to see the med records they have to see how they came to that "it was preexisting." We have all of our records.

In late May 2011, they denied coverage for my wife because she hadn't gotten her postpartum check-up. Since my wife was denied, so were my two children under her application. The insurance agent told me the children wouldn't be denied, they just had to go through the underwriting process, but this was not the case.

They were not approved and BCBS never explained why. I tried to get the kids switched over to my application. BCBS of FL said that all we needed was a signed letter faxed to our agent, requesting for the kids to be under my policy.

I signed and faxed immediately. However, after more than two weeks, BCBS of FL told me they had given me the wrong information, and a formal application and underwriting process for my two children was necessary.

Consequently, we applied for my two children to be under my policy on 06/01/11. BCBS of FL approved my 2-year old daughter after four weeks of following-up with the insurance agent and underwriters.

My newborn isn't approved yet (as of 07/25/11). They are still reviewing his case. They asked for his medical records, and we provided them on a timely manner. BCBS of FL needed a maximum of fifteen business days for underwriting, but they have exceeded this.

My son has gotten sick; we had to pay for the out-of-pocket for vaccination and doctor visits. We follow up every day, but no answer.

The bad business practices of BCBS of FL are:

1.) They denied my wife and kids coverage because of no postpartum checkup, but they never told us she needed one. Because she was denied, my kids were automatically denied without reason.

2.) They have taken almost two months to underwrite my newborn's coverage, even though their quality control timeline has been exceeded.

We have tried to get the underwriters to move our case along, and the estimated wait time has been exceeded. We would have left BCBS of FL a long time ago, but we are all under them, except for my newborn.

BCBS deducted a payment on 5/3/10 and again on 6/3/10. After I got to AZ, I called my ING account and told them I wanted to make sure that BCBS do not take any more auto-deductions after the June. The June payment had already been auto-deducted from my account so I wasn't expecting a problem. ING mistakenly reversed the June payment and when I realized what they had done, I called them immediately and they said they would stop the reversal. However, that did not happen. So now, BCBS has my May payment, but the June payment had been reversed. BCBS kept billing me for May 2010 and June 2010, saying neither has been paid. I have called them more than 10 times and talked to customer service reps trying to straighten this out, and they have refused to let me speak to a supervisor. I have asked to have a Supervisor call me, all to no avail.

I was not aware until into July that ING had reversed the June payment after telling me they didn't do it. So the June payment was, in fact, reversed and my coverage would have lapsed the first of June rather than June 30 as I intended. However, the May payment was received and kept by BCBS and now, they are telling me my coverage has been canceled effective May 1, 2010. Since I had a doctor appointment in May before I left the state, I want to make sure my coverage is acknowledged as having been in place.

This has been one of the most abysmal customer service experiences I have ever had. I have sent them my bank statements and on one call, the BCBS rep told me the statements had been received and even told me what months were received and said she could see where they had been scanned into the records. The next call I made when they kept billing me, they denied that they had received them. I want them to acknowledge that they have my May payment and that I was covered through May. I got CIGNA coverage in Arizona starting in July because I thought I had been covered by BCBS for June. I accept that I mistakenly didn't have June coverage, but they did get my May payment, it was not reversed and they need to acknowledge that I was covered in May.

BCBS has since contacted the agent and has sent an email stating that they have no record of the changes and renewel on this policy, but because the premiums were sent in they renewed the plan as it was in 2005. They also state that they cannot help the group with any incorrect charges on claims or premiums. The new plan had a diff. premium and diff. co-pays for drs visits etc. BCBS said they no longer send out notices of canellations if a group does not renew.They simply renew the plans under the existing contracts. How can this happen when I as the consumer elected to change my group coverage for a lower premium and better co-pays.

I don't understand how BCBS can legally get away with charging consumers for a policy that they wanted to be changed. As the consumer I was not sent any letters explaining the lack of a renewel submission. My insurance agent assures me she has the proof that she sent in the renewel. She asks me what purpose is it for people to renew if BCBS is not going to enact cancellation notices or changes of policy plans. Please help me .

In April 2007 the employee was charged $671.95 for a MRI where he should have been charged $300 under the new policy if renewed in June 2006 effective until June 2007. He was also charged $ 181.60 for diagnostic tests where he should have been charged $ 75.00. The company pays the premium for this policy which is $597.84 from June 2006 until now when they should have been charged $437.02 according to our insurance agent from June 2006 until now. BCBS has other claims for this group policy that were overcharged. These are just a few examples.