Consumer Complaints and Reviews
I've been with HBCBS for 20+yrs. I am the only person on the policy, and I am paying $1000.00 per month for insurance with a $3000.00 deductible. I see a doctor once a year for a physical, which I did about 6 months ago and had to pay for the blood test ordered by the doctor. I am a pretty healthy person, don't smoke, drink 2 beers a week, good weight, sleep great... Soon I will go onto Medicare, and it can't be a day too soon. This company is draining the blood out of me, financially speaking.
Sadly I have had this insurance since January 2016 through my employer. It is the only option provided to me. This is by far the worst insurance ever. It covers nothing. Blue Cross does not have a fee schedule for any of the services they cover. They refer you to Castlight which is a Third Party company who is supposed to have these fees however when you call them they have no knowledge of any medical procedures even when you give them the CPT and diagnosis codes. They use Google to look up the definition of the codes given he is based off the definition it falls into a category in which it could possibly be a covered benefit and there is still no amount of what your cost would be. Their estimate range is very wide and does not provide any specific fee.
This is what the representative told me they were doing. I was told by a representative that in order for me to obtain the fees it would be once the claim is submitted to the insurance company. They then speak to the provider and come to an agreement as to what the fee should be. At that point the service has already been rendered and it could be anything amount they desire since it has already been performed which is unfair to the patient / customer.
I asked if there is any other way that we can obtain this information prior to having the procedure done even though it is stressed by the provider and Blue Cross that no pre authorization or predetermination is needed for the procedure and I was told that I would need to contact the grievance department by mail since there is no direct phone number for me the customer to reach out to them to obtain any sort of fee prior to since they do not speak to customers they only speak to the providers. But yet the provider also does not know what the contracted rate is between Blue Cross Blue Shield after contacting them. I am always told by all three parties provider Blue Cross and Castlight that once the claim is submitted I will find out what my fees are.
The reason I don't want to wait until I have the service done is because I want to make sure that I am financially prepared to pay before having the procedure done instead of being stuck to pay it after the procedures already performed. Another reason I asked is because I know I have a high deductible that needs to be satisfied before they cover anything. So therefore everything would be for me out of pocket based on their contracted rate which no one can figure out. until my deductible is met and never will because I barely go to the doctors the only fortunate part of this all. If it wasn't for the tax penalty I would rather be uninsured and pay out of pocket.
My son received a radiology test with dye on his elbow. My insurance policy has no co-pay for radiology tests in office or out-patient services. Horizon claims that because the dye was injected to perform the test that is outpatient surgery with a $300 deductible. Since when is an injection considered surgery. The insurance companies are a disgrace, trying to frustrate you until you give up. I have spent countless hours dealing with a call center in the Philippines. Horizon Blue Cross is a disgrace, we need competition across state lines. Worst customer service of any company that I have ever had to deal with. Call center personnel pretend they are a supervisor with a different name, same person though. What a disgusting situation.
My daughter is a ** addict and wanted treatment. After 10 days of inpatient rehab Horizon would not approve any more treatment. So my daughter asked me if she could arrange for the rehab to bill her and set up a payment plan. But they said she could not because Horizon will not allow this because she is a subscriber. I don't understand how this could be. The rehab said their legal team is working on this matter but it could take months of litigation. This is my daughter's, and Horizon will not allow me to pay. How can this be? Next I am writing to my Congressman. Hope someone can help us before it is too late.
I have been juggling between Horizon and ADB-COBRA service centers for the past 1 month plus, just to ensure that my newborn daughter is enrolled in my health benefits. All payments have been made to ADP starting the date she was born in April, but she is still not listed in my coverage. The Service centers always point finger as the other company and for every call, they initiate new ticket closing out the prior ticket incident without informing/updating. Both ADP and Horizon - reputed business missed to do their due diligence while proving these service centers they customer/client services. Audit them!! Make sure your clients are treated right. This is a total Customer ripoff where the business shows one thing, obtain price from client for it, and then give nothing. I have even started to think of suing these companies!
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My son reached out to get help for his drug addiction. He went into rehab only to find out that the insurance denied coverage. His coverage was denied because they stated he had a loving and supportive family environment and his blood pressure was not elevated and no signs of withdrawals. My son is addicted to heroine. Insurance would not speak to me because he was over 18 and they explained they would email his counselor the release form. They never did after countless attempts to get them to send it. He was released and did an appeal and they denied his appeal. He relapsed once again and has gotten himself in trouble with the law also.
I would really like to know how a doctor or whomever sits behind a desk and has never meet my son or has no idea what my son's family has been thru with his addiction, make the decision that he does not need inpatient therapy and is capable of living at home doing meetings only. Do they not understand this addiction? I don't understand why I need insurance if nothing is going to be covered to protect and help my family. What a waste of my money.
When you call Horizon now for anything, you get a call center somewhere out of the US! When asked, I was told, '"we are in the Philippines"!! WHAT?? Some third world country has ALL of my information at their fingertips!! And can sell it, or do whatever they want anywhere in the world and Horizon BC/BS has no real control over what is going on. Foreign access to our personal private information in an instant should be stopped immediately and returned to US.
Have had continual problems thought resolved but not. Have outstanding bill for payment from last year as Home marketplace said not eligible for rebate - thought cleared up in May via conference call was cleared up for 2 months. BC/BS continue to charge full amount again, refuse to cover any bills for 2016 due to outstanding balance of $3,900. Recent conference call about 1 week ago with supervisor and insurance marketplace shows letter sent to BC/BS letter sent on 8/2015 was eligible for rebate! I should not owe extra as had been paying quoted rate. Insurance had been cancelled in October due to non-payment. Amazingly enough no one knows who cancelled. Received no letter. Now nothing in 2016 is being paid for.
Also note if have OMNIA ask if institution accepts Tier I. As found out hospital only accepted Tier2. Was told by BCBS considered out of network would be respond for full bill. Running a scam here BCBS pays nothing, hospital gets money. At no time was told by hospital only accepted Tier2. BEWARE. Will NEVER use BSBC again.
While my problem is not as bad as other folks it just proves that Blue Cross of New Jersey is very careless. It all started for me back in 2013 Blue Cross claims that I signed up for Obama care. While I did look at it I had opted to change my mind. According to the morons at Blue Cross that the bills should have been stopped in September of 2015. And now we are going into march still getting them. Lucky for me once I get my home sold having my mail stopped.
I have now spoken to 6 different reps, each one telling me something different re the need for prior authorization for a procedure for my son. The reps say "yes, you need prior authorization. Tell your provider to call this number..." The provider has called 3 different numbers and has been told, "no prior authorization is needed". Meanwhile, if I just went ahead, there's no assurance procedure will be covered. I'm waiting to hear back from them. Seems like a strategy on their part - give the runaround, delay service = no reimbursement necessary! They save, I pay. Stuck in limbo with no treatment and no one to talk to.
DOESN'T Even deserve a star! STAY AWAY!!! The most inept, rude and incompetent insurance company I have ever dealt with in my life and I have worked in both a doctor's office for years and now an insurance brokerage so I have dealt with a lot of companies! Horizon BCBS is a complete nightmare! They make simple things like enrolling on a plan, IMPOSSIBLE! Every "Licensed and professional agent" is so rude and incompetent. I have been disconnected and transferred innumerous times. For weeks not one person has been helpful, just to check the status of an enrollment and payment! It's the most ridiculous thing. STAY FAR AWAY!!!
I have had nothing but problems with this company. From January 1st of this year though approximately May, they told every provider we saw that we were not covered, thought we fixed this several times, took till end of June to get corrected. Now they are pretending not to see codes on bills that are covered items. Even did a conference call with one med biller who kept saying "the code is right there"! It says emergency room visit yet they keep looking for reasons to deny. Never in my adult life have I experienced this before. They search for reasons not to pay hoping the people who have their policy will just give up and pay the bills themselves while collecting our payments. This company should be investigated, something stinks very badly there.
On May 1, 2015, my husband went for a covered visit to Penta Hearing Care. Mei **, the audiologist is part of Penta Hearing Care which is covered by our husband/wife Horizon Advanced Silver plan. On the same day, when Penta's receptionist called Horizon (Debbie, receptionist's name?) regarding payment, Bryson of Horizon said that John's policy has expired. Absolutely not. His visit is covered and we started our husband/wife Horizon Advance Silver Coverage of the policy in April 2015.
It was futile to talk to them that day since we were at Penta clinic and I was talking on a cell phone AND THEY KEPT INSISTING THAT HIS POLICY EXPIRED. I was on the phone with them for 45 minutes and they kept transferring me and insisting that they were right. They even transferred me to the manager or someone higher than the representatives.
I called again. I SPOKE WITH Arin (Erin? ), reference number ** and she said that she will call Penta to tell them that it's covered. Penta's phone was busy at that time. She left me a message saying that she will call them again and let me know. In the meantime, I took the reference number of my conversation with Erin (**) and told Debbie that Erin will call. I gave her the reference number.
On May 5, 2015, Erin called me to say that she spoke with Debbie to tell her that Horizon Blue Cross Blue Shields will send them the money, which is $180.00. As far as I know, Erin is very good. Seven months have passed and Penta told us that Horizon refused to pay the $180.00 with the excuse that John's coverage expired -- which is a lie.
Today, Nov. 30, 2015, I spoke to Bruce of Horizon regarding the same matter. He said that there was no record of Penta submitting the bill. I do not know what is going on but we called Penta to ask them to kindly submit the bill again. I will update you as to what Horizon will do. In the meantime, if you have any problems with them, please email **. We could forward all our complaints to the NJ Attorney General in one package or we could get a lawyer to sue them class-action. This is the only way to make sure that no one there is cheating the consumers by erasing computer information, especially if they are people in need of medical assistance.
My doctor has prescribed me with several medication. But I find it that my insurance company keeps taking my money every paycheck and denying my medication. Why should I even bother paying for insurance if they continue to deny my prescriptions. This insurance company totally gives me the runaround and isn't worth having. Total waste of money. First they deny me testosterone and now they only want to cover 4 pills of ** for a month. It supposed to be 1 a day REALLY!!!
They seem to keep messing my acct up or information up. I want to pay my bills - the very same bills that they send me in the mail. I want to send a payment over the phone. First it's impossible to get a live person, then when I call the number that they provide which is 1-888-778-2005 to pay my bill, it does not recognize my acct or gives me the acct of my dental plan which I want to pay my health part of the bill. Then when I pick (0) hoping that the phone system will direct me to a live person so I can pay my bills, it still did not work. I tried this 5 to 6 times so I gave up. In addition, when I went to the doctor the office said that I was not covered. I called the Horizon and luckily got someone to ask why they said that I am covered from their end. I am so confused. I have never experience anything like this which I feel like I am in a twilight zone when I try to call them. Pls. help if anyone have any answers to my problems.
I've had problems with my insurance ever since I got it and I could never understand why. I always just paid out of pocket because I didn't want any problems with my doctor's offices. My policy is under my stepfather so him, my mom and my brothers all have a different last name than me. Well they decided to, despite my enrollment paperwork saying my correct legal last name, they put my information in wrong so technically I have no insurance because the person my stepfather is covering doesn't exist!
And then when I call them they get nasty on the phone with me and tell me there is nothing I can do to change it but have the policyholder call and request paperwork and then they'll mail it to him then we have to fill it out then have it mailed back. I have to get physical therapy and I can't do that if I don't have insurance because I'm done paying out of pocket. WORST INSURANCE COMPANY EVER. The people at human resources are nasty and don't care about anything. I should sue them for all the money I've had to pay out because of them.
Found out my docs were 'out-of-network' after 6 months of visits & now on the hook for 2K. Cancelled policy and then CHARGED the next month!! Still not sorted out. Arrogant & incompetent. Bad experience from the start.
I had a small group policy with Horizon BCBS of New Jersey. My premium was about $1226/month for an HSA with a 5k deductible. I faxed a cancellation letter in February 2015 to Horizon requesting the policy cancel effective 1-31-15. I was trying to get coverage thru ObamaCare and submitted an application in January 2015. I was approved and qualified for a subsidy which made my premium about $250/month but the start date was 3-1-15. So no one in my family went to any health care providers in February 2015 and no claims were submitted.
Now Horizon has has sent my case to a collection agency looking for the February premium of approximately $1226. My current policy is with Health Republic and their cancellation policy states coverage ends as of the paid up premium date. I had to make a decision to not get health coverage for 1 month to make sure I paid my employees. Aren't all insurance policies cancelled as of the paid up premium date?
I signed up for insurance in January 2015. I went to see my PCP for a routine checkup that same month. Horizon claimed I had no insurance with them and refunded my premium payment. After many complaints and fighting, they still have not resolved this and are taking $800 from me for no reason at all. I am at a loss. I don't know what to do!!! This is the worst insurance company I've ever dealt with!!!
After going through all of the documentation, pre-certs, etc. to get authorization to provide services for an autistic/special needs child - ALL CLAIMS DENIED for over 3 MONTHS and still NO PAYMENT to-date. All codes and units were authorized and documented by Horizon BCBSNJ. Now the parent is at a loss because all of the charges are their responsibility even though coverage was verified multiple times. I have more than 5 documented calls on just this one patient alone. HORIZON BCBSNJ needs to quit posting what they are doing and FIX what actually matters! Authorizing, confirming, and sending documentation of coverage for autistic children and then no payment for three months. HELP ME UNDERSTAND HOW THIS IS OK?? THESE CHILDREN MATTER TOO HORIZON!!!
Had a legitimate Sleep Study done, they, HBCBS of NJ, denied the claim. Said it wasn't medically necessary. All the doctors had told me that this procedure has always been covered by insurance. The doctors said "We have never seen anything like this before". I have been battling the insurance co. for nearly a year and a half. I have been hounded by collection agencies for the last year, and my credit is now bad. Thanks HBCBS of NJ.
Signed up for a policy and without contacting me or broker, they ignored my choice and signed me up for a more expensive policy. No one takes responsibility, no one calls back and no one at this company follows up. Can't even register online as the website is not working. Want to pay my bill and Philippines call center cannot process payment as they are having computer issues. Avoid this company.
Avoid like the plague. They have all their rules and regulation written to perfection in their favor for all claims. They'll take you to the cleaners and back again. Would probably be cheaper to pay out of pocket. Terrible customer service that is uninformed and mostly useless, often taking 1/2 an hour or more to look up basic information.
BCBSNJ has refused to pay claims and keeps me on the probation list as new subscribers and would only pay half of the claim. They constantly refuse to pay for full prescriptions and piece out my medicines. Then when I call them today because I have new insurance, they tell me I was cancelled in October!!! Yet they never sent a letter and they took the payments each month AND authorized procedures. They also said it was cancelled because I did not pick a primary care which I did the first month I had the coverage. Can we start a class action law suit???
I have a complaint going in US District Court - Idaho (Case **) about the Blue Cross use of "outpatient" categorization of medical care, so they can put a greater portion of the "plan allowance" amount onto the patient in the form of increased co-payment. I would be interested in hearing from anyone who has been victimized by BCBS in said manner. Thank you.
Wife's medical insurer, Horizon BC/BS via ACA, advised no pre-approval required for implantation of neurological stimulator to relieve chronic migraine pain, as the procedure required only "same-day" surgery. Procedure performed at Beth Israel Hospital, Newark, N.J. intended to remove previous implantation incorrectly performed (several times) at North Shore LIJ Hospital. Implantation failed in several aspects: device provided no relief at proscribed site, battery/controller subcutaneous implant site continues to be red, sore and inflamed and provides continuous discomfort. Implant does not work, and causes pain itself. Horizon BC/BS now refuses to cover removal of device stating it is an "experimental" procedure. No such determination was made upon initial surgery. Wife is now being forced to retain a damaging, painful device that offers her no benefit. Numerous calls have resulted in no action being taken by Horizon BC/BS.
They are supposed to cover all ER with A HUNDRED $ CO-PAY. THAT HAS ENDED. THEY ARE SAYING UNLESS YOU'RE ADMITTED OVERNIGHT you are responsible for over half the bill because now they are saying you only get $500 for an entire year - they will cover towards diagnostics like blood work and x-rays. So now they are calling ER outpatient. They are out of control. I can't write all I've uncovered but please contact me.
On numerous occasions I have taken my prescription into multiple pharmacies a few days early due to a busy schedule that week, but Horizon BCBS of NJ will not allow my refill early. It's absurd that they aren't willing to be flexible in the least with a longstanding customer like myself. On other occasions, they have demanded a "Prior Authorization" for my medication before covering the fees, in addition to not reimbursing me for paying full price before the authorization takes place. They should treat high-paying customers like myself (and all of their customers for that matter) with gratitude, and flexibility as opposed to treating them like books on a shelf.
I have been using the same Chiropractor for 15 years. My Doctor has had issues with HBCBS and has stopped using them for the last 2 years. I have been paying out-of-pocket and submitting the bills for reimbursement. Once I meet my deductible ($100.00 individual) they are suppose to reimburse at 70%. All was well until around May/June of 2014. All of a sudden, they are not reimbursing me. They are sending the check to the doctor and listing the doctor as accepting a "Multi-Plan Discount Rate". Multi-Plan is another company that my Doctor deals with; however, he still doesn't deal with Blue Cross. Blue Cross claims to have joined on with "Multi-Plan" and insists that they pay based on the rate set by Multi-Plan. Every single visit has the same service/codes on them, and every visit pays out at a different dollar amount.
I had gotten the doctor's office and HSBCBS of NJ on a 3-way call and Blue Cross could not provide a contact number/address/email/name of/for Multi-Plan for us to confirm that they are now participating members with Multi-Plan. Up to today, Horizon Blue Cross Blue Shield of New Jersey lists my Chiropractor as "Out-Of-Network" and refuses to pay out-of-network rates. Every time I call BCBSNJ, I get a different person, different story, different explanation. I only today found out that they had settled a Class Action Suit for not paying out-of-network benefits as required. I still have to fight Horizon Blue Cross Blue Shield of New Jersey to get reimbursed for my bills. I am ready and willing to join anyone who is looking to file a new suit against Horizon....
There is endless claims that have to be completed before they pay. They lose claims. They tell you forms were not completed correctly, but takes a month to let you know this and they tell you in a letter. You have to resubmit a brand new claim. They come up with a new problem, but again don't tell you until a month later through. If I get my coverage, it is after months and months of paperwork and an endless battle. Their strategy is to wear you down so they never have to pay out. The WORST health care coverage we have ever had and there are some bad ones out there. I feel bad for the customer service reps. They are polite and try to do their best, but are unable to help you in any way because the system is set up to stall on payments. You do better to not have insurance than have this one.
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