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I guess zero stars isn't an option. This company is the worst insurance provider I've ever dealt with. They spent most of last year charging me double every month and when I tried to pay for just 1 of the plans they'd cut my policy off until both were paid. They eventually gave me half of the money back and I just lost the rest of it. This went on from January to July and I got credit until The beginning of November. I just took it after spending 60+ hours on the phone getting nothing done and frequently hung up on.
The Pharmacy isn't any better as they refuse to help you with anything ever. They also like to just hang up on you when you ask them too many questions. Then if you actually get someone to talk to you they just lie to you. They also change the costs of your meds by the month to whatever they want. They almost always go over your supposed "co-pay".
If you have any other option aside from them, you should try that because they're going to screw you over in any way they can. The reps you talk to are all useless, and just want you off the phone. They make it plain they don't care if you have the care or meds you need to live or if you drop dead on the phone with them as long as you pay them. If you did die on the phone with them they would continue to charge your account as long as possible. If you are in a position to run you should. Like all the other monopolies in America, they don't care about anyone, just the money you give them. I'm sorry if you are also stuck having to deal with this joke of a health-care plan.
Updated on 1/19/2023: If I could leave ZERO stars I would. I submitted a claim to get refunded for a surgery in september 2022. It is now FIVE MONTHS and NOTHING. Still no refund. Every time I call to inquire, I am on the line 1-2 hrs at a time in order to speak with a representative. They don't have a call back option. Right now, I have been on hold 65 min without speaking to any representative and STILL WAITING. It is absurd. This is how I spend my days off. DON'T GET THIS INSURANCE!
Original review: I have been on the line holding for someone to help me for over an hour, only to be told that I was sent to the song department and put on hold again. Over the last few days, I have been on hold for over 4 hours and no one will help me. I don’t recommend this insurance company to anyone. I submitted a claim form over a month ago and nothing. What a waste of my time!
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Yesterday 3/9/22 I waited 2 hours before I got to talk to anyone. The day before I waited over an hour. Meanwhile I was worried my battery on my landline phone was not going to make it. The lady said they hired 20 more people but it seems that did not help my situation of trying to reach them sooner. I don't know whether to go to a new provider if that is happening everywhere because of Covid. Yet we don't have to wear our masks anymore so I don't know what the issue is at this time. Purely disgusted. They give me a call yesterday to rate the service with the lady but not the situation I am facing.
I've called countless times, emailed through the portal, etc. I've waited on hold for literal hours--once I was offered a callback but that never came either. Finally decided to try my luck at the patient portal submission...over a month later I finally received a very obvious response which is why I was calling in the first place TO ASK QUESTIONS. I don't understand why the art of getting to talk to someone has completely gone away. I'm not an idiot...I read my statement of benefits explanation but I have follow up questions and believe I'm being charged incorrectly.
After moving to a new state state, we immediately applied for a new health insurance policy through CareFirst. It has been over a month of continuously calling and speaking to multiple agents giving us inconsistent information on if they received our lease and utility bills for proof of relocation or not. This is after faxing and emailing this information on more than one occasion. It is very concerning to see how a company operates when the simplest things like enrollment cannot be done in a straightforward fashion.
Need to correct some of the information...
I have a high deductible plan with CareFirst. I also had breast cancer and found out in Oct of 2020. I can tell you based on my experience, their refusal to pay for things could have had a very negative impact on my care. I'm lucky that I'm ok now, but I'm not sticking with CareFirst because I want to live, and they don't care if I do not.
My first complaint is that I've spent close to $13K on healthcare when I should have been covered. I'm counting this deduction in my salary and I'm not going to work for a company where I'm getting paid 13K less, so I will leave my job at the end of the year. I say this so any company considering a Carefirst high deductible plan should know, your staff like me, may leave as a result.
Second complaint - They could have killed me. They delayed me getting my Oncotype and BRCA Gene Breast Cancers test results by refusing to pay for them. Looks like they eventually paid $100 for the Oncotype and nothing for BRCA. Both of these tests are common and important in treating breast cancer and have a significant impact on the treatment plans and timing. Had my Oncotype indicated an aggressive tumor, the two-month delay in getting those test results could have allowed an aggressive tumor to metastasize. I'm lucky, my results were good, but for someone with an aggressive tumor, that two-month delay could be the difference between life and death. Added note I paid $700 for the BRCA tests, which doesn't even go against my out-of-pocket costs maximums. It's just more money from me.
They also keep refusing to pay for Proton treatments, which I'm guessing I'm going to be paying an additional $2.5K out of pocket for. Proton treatments are very common treatments for breast cancer as they cause less damage than traditional radiation treatments, and are covered by most insurance carriers including Medicare. Of course, BCBS doesn't care if I live or die because my company will just replace me with another worker that will pay their premium. Until they get frustrated and quit the company as well.
In conclusion: I do not recommend them. If you apply for a job with CareFirst as the Medical, I would turn down that job.
Beware of Carefirst Bluecross Blueshield. Please read this complaint, and then you will choose another supplemental insurance carrier. My mother, Eileen ** passed away in October 2020 at the age of 97. She had CareFirst for decades as her supplemental health insurance. I reported her death to CareFirst, Wells Fargo and Wesbanco and closed those accounts to prevent any future fraudulent monthly billing. Care First assured me that I was due a refund for the balance of the month. I told them that my mother's credit card was inactivated. CareFirst said they would send a refund check. Wells Fargo assured me that her credit card was immediately inactivated and there would be no further transactions allowed.
In February I realized I had received neither a refund nor a letter of condolences from CareFirst. In the following three weeks I made many calls. Each time I was told by the person I spoke with that they would get back with me. I requested to speak with a supervisor with 4 different agents. My requests were denied. Finally, I was told I had to complain to Wells Fargo. Apparently, CareFirst sent two refunds of $838.87 and $6.91 to Wells Fargo in December. Wells Fargo told me to contact CareFirst and simply have then rescind their refunds and then send me a check. Further conversations with CareFirst again was just a waste of time. They have never provided me with any written or verbal response, indicating why they would not send a refund as promised.
How can CareFirst issue a refund to a credit card to a member's credit card after she has passed away, and they credit card has been cancelled? It is their responsibility to issue a refund to the appropriate party. It is pitiful the way that CareFirst has treated me. and the My mother spent tens of thousands of dollars over 30 years and now they will not send a refund. Tony **
After exploring a large variety of dental insurances and availability of highly recommended dentists, I found CareFirst most affordable and one of its inline high respected dentists was available. Excellent coverage.
I pay out of pocket for CareFirst insurance. My ID card has the dentist and location on the card. I went to have services done on September 15, 2020. I checked the CareFirst website and noticed the claims for a routine cleaning was denied. On October 6, 2020 I contacted CareFirst and was told I went to a doctor out of network. I explained that was not true, I went to the location on my card. The rep stated he will be sending the claim back through and it would take 7 to 10 business days. 10 business days later, I called back because nothing changed on the website. That rep stated she was putting the claim through again and it would take 7 to 10 business days. Ok 10 business days later still and issue and I calls back. This rep states she is sending it through again and claims can take 15 to 30 business days.
Ok here we are 23 business days in and not 1 indication that they are working on this issue. I owe a bill that I should not be owing and I need further work done but can't because I owe a bill that I should not owe. Now, as I type this I am on hold waiting for a supervisor and the rep keeps stating no supervisor is available. Well sir, guess what I will hold. I am not hanging up until someone does their job. This is ridiculous.
Do NOT try to get a "Free routine physical" from BCBS CareFirst. You will open yourself up to many many many bills from services and billing parties you never heard of conjuring up reasons to take your money. They are crooks and grifters. When it comes to health care in America NOTHING IS FREE NO MATTER WHAT THIS INSURANCE PROVIDE GUARANTEES. My doctor's office used the wrong code to bill me, the third party billing company put my address in wrong. And all of these errors/mistakes were my responsibility to fix. It took me 8 hours of phone calls and paperwork and runaround to avoid most of the bills, but they are still coming. I get a new bill from a new mysterious company every week from a routine physical that should be covered and "Free". It is not. It is a lie.
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