CareFirst Reviews

They never admit to their errors and require their customers to work around their internal mistakes, often without ever having the situation properly resolved. And literally, every single time I am on the website it crashes, or I get error messages such as "We're sorry, we are unable to access your account..." or "We are unable to submit claims at this time..." or "we are unable to submit your message at this time."

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.

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!

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.

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.

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.

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.

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.

Carefirst insurance coverage will tell you a list of imaginary benefits in detail. If your doctors send a claim they will denies everything on your benefit list. Basically nothing they can do for you, you should pay for your medical bill and give them your money as well for not covered. If you purchase these insurance then know that you are making somebody's wallet thicker in exchange you get a fancy coverage card to keep only in your wallet.

It is a HDHP HMO with PPO out of area. You can't beat the BCBC provider network and predictability of costs with co-payments instead of coinsurance. CareFirst has a great network where I live in the Washington, DC metro area. The only downside is their customer service is below average.

I recently submitted a claim and after submitting, received the popup with the reference number and also received email. Now, being the first time I split the claim in case something went wrong, didn't want to put all the eggs in one basket to so speak. When I logged back in to create another claim I notice there were no submissions shown that I had entered. I contacted tech support and while nice enough were not able to recover it ... fine, I'll do it again.

Nearly takes an "Act of Congress" for this insurance provider to "authorize" a simple prescription. Weeks go by, and it's still NOT approved. Look elsewhere for Insurance Coverage, if you are in a position to do so.

I'm someone who's never been fired from any customer service job or any job for that matter who is just astounded by how incompetent CareFirst clerical workers tend to be. While moving once my card was misplaced so I needed to order a new one. It took about 7 calls before they finally got it right. Later I had some bloodwork done to determine whether I have one genetic condition. There were clerical issues yet again until that was worked out. Finally and most recently a woman on the phone said I could renew my membership quite a while before the Jan 31 deadline. I went ahead and worked with her. She said it was all recorded on the phone. My phone records indicate clearly that I called. Well what do you know? My insurance status isn't listed as active, and after 2 phone calls later I've had no one effectively help me once.

I had private health coverage with care first and auto payment was set up for that for years, end of 2018 I had to make changes to my insurance through Maryland health connection but I selected the same plan with care first, the only difference is my daughter was removed from the plan. I received welcome letter from them and another letter notifying me that my policy has changed from the first one to the second one and they are stating the new amount due. I was shocked when I checked my bank account online to see four transactions by care first, two for medical and two for dental for both the old policy and the new policy. I called them to fix this mistake and to find out why all these double charges. They were so rude and informed it's too late to fix this issue and they can't refund me the old policy payment that was charged by mistake. I'm looking for new provider now and I don't recommend this scam company to anyone.

Individual deductible is 16% of my annual income and combined family deductible is 32%. No benefits are realized until annual deductible is met, which amounts to having to pay provider's full rate (minus insurance "discount"), so the stated $50 office call runs anywhere from $75-$100, until deductible is met, which at the rate set, it won't. Further, premiums don't count toward deductible (contrary to my experience with other legitimate insurance). Further yet, the so-called prescription drug benefit is non-existent.

We paid thousands of dollars for nothing until we got smart. They don't even offer dental or vision. They keep changing their plans and keep raising the premiums for less coverage. They even are trying to rip off my mother after she has died. They owe us a refund and I am waiting for them to figure that one out.

VERY SHADY business practices. After 6 months of good coverage, CareFirst decided to change how they processed my kids' necessary specialty asthma medications, without ANY notice. We went from having a monthly $30 copay to owing around $7000 in the last 6 months. After months of calls, where I did got a different answer every time as to what was happening, I was finally informed that these prescription medicines were no longer processed under our drug benefits, but were now considered medical equipment claims.

I have been in contact with CareFirst since December of 2017 trying to get claims paid. Every time I call I get a different answer as to why they are not processing. They say call back in 14 days - I do and then they tell me to do something differently. I have over 10,000 dollars in claims pending that are covered underneath my plan. I have been reimbursed a total of 600.00 totals YTD. I am disgusted with everyone I have spoken to at CareFirst. They are not helpful. It is a covered expense which they tell me on every call but then say it isn't processing correctly. I can't do anything about that. The services I am receiving are medically required - again acknowledged by CareFirst. However, they will not pay me back in a timely manner. I have submitted and resubmitted paperwork a total of 10x to them the local plan and the appeals.

So I’m going on vacation for two months and I got authorizations for all of my prescriptions but I have two pain medicines that are very fragile. I guess you would put it these days because they are **. So that means I’m a drug addict because the government says I am LOL. So anyways I go to get my vacation fill on all of my medicine but since I am leaving out of town actually out of the country for two months the day after tomorrow I am filling my medication two days too soon. So they won’t!!! Idiots!

I cancelled the application process on 3/2/18 and received a cancellation statement in my email and was told I would not be charged for the insurance. Yet YESTERDAY they charged me $186.24 for insurance I don't have!!! Not once, but 3 times!!! That's over $550.00!!! I want my money back!!

It takes them 1 week to reply to an email. And when they reply to the email, they make silly mistakes, or don’t do proper homework. It’s been 4 weeks since I sent a basic inquiry, but the people on the other side of the system don’t seem to have any common sense.

After many years with Aetna, which kept dropping previously covered medications and cut my migraine medication to a ridiculous low amount per month, we decided to switch to CareFirst and are very happy; a much better value and service! I'm now also covered for acupuncture.

For the second time in as many invoice periods, I NEVER received my DENTAL invoice by mail or email, but did get a dunning notice (no it didn't go to my spam folder). And yes I went online to pay them. I spent 1/2 hour of my dwindling life trying to get someone to hear me. If this affects my credit in any way, lawyers will be involved! It's open enrollment and there is no chance I use them again. Oh, I do get my MEDICAL invoices from them just fine! CareFirst, just doesn't care...

Do not pay anything if you are Medical Medicare patients. It is to be written off. If you are paying for this insurance get off. Go to another insurance you want and have them get you away from these crooks. Do not allow to pay then be taken for your monies. It defeats the purpose of having coverage here in USA. You need a better insurance if they are billing you and not submitting the proper Authorization form to be seen by a true network provider. Read your manuals. Contact your insurance provider within network dr's.

This is an HMO Advantage plan, which makes the entire process very simple. Most doctors are in the directory. There are no claims to be submitted. Referrals are necessary, but they are processed quickly, and can be processed even faster in case of an emergency. Vision and dental plans are automatically included.

I recently tried to cancel my health insurance through Blue Cross Blue Shield. As I am writing this, it was 3 months ago when I sent them the necessary paperwork to cancel my insurance. Not only did they not cancel my insurance, they continue to bill me and claim that I owe them money, when I do not. They have made it as humanly difficult as possible to cancel an insurance policy, and even then once you know how to, you have to fax them the necessary paperwork -- and only fax or mail. Despite doing both of these things, one cannot rest assured that they actually received it as in my case, despite faxing them the necessary forms twice, and receiving confirmation that the fax went through to the right number, they have not cancelled my insurance policy. They now claim I owe them nearly $2000, when I should owe them absolutely nothing. I am currently seeking what recourse I have with the Maryland Insurance Administration.

They didn't pay 100% of a routine physical. Didn't pay another claim for preventative service. I've had to pay out of pocket twice as they claim the Dr didn't code it right. They are just ripping off customers... I would not recommend them and will file a complaint with the organization that I work. I hope they will look for a better service as I pay quite a bit of $$ for insurance and then have to take time off of work to try to get claims covered by being on the phone with the Dr. and insurance company getting the run around. What a lousy experience for a hard working, healthy, and paying customer. CareFirst is a JOKE!!!

In April I called CareFirst more than once, in total more than 4 times to ask the same question with different representative. All told me the same answer. I asked if my insurance cover psychologist visits and they told me only in-network once. I also asked them if there is a max. number of visits per year and they said no. I can visit my psychologist as often as I like. After several weeks of search I found a few that is not too far from me and they are in network. I am the type that don't trust just one person giving me information so I called numerous time asking the same question.

I was covered by CareFirst as an employee of TEKsystems, a subsidiary of the Allegis Group. The insurance policy stated 100% coverage for urgent care. However, CareFirst denied payment for a urgent care visit. I contacted a health insurance advocate that stated I was indeed covered and they tried for 3 months to get a payment from CareFirst. However, CareFirst continued to deny payment. The stated reason was that they only cover urgent care from a doctor's office (which was never stated in their website or insurance agreement).

I need regular blood draws once per month to check my medicine levels. If the levels are too low or too high, I will die. BCBS has refused to cover any blood draws because I have an out-of-state specialist who writes the order, even though I get the blood drawn and processed by a lab that is in network. Who writes the order has NO bearing on the blood draw cost, but BCBS is using it as an excuse to not cover regular blood labs. My doctor has reached out over a dozen times to submit prior authorizations but BCBS continues to deny them without explanation, even though they have accepted them before. BCBS does not care about customers with high needs; the insurance company is better off if I die. That is very clear.

Dealing with CareFirst insurance has been incredibly frustrating. I used their email service to ask how to cancel my plan because I was moving out of the country. It took 8 days for a response. Before their email response, I called and was told I need to mail or fax the cancellation form. No problem. I filled out the form and sent it in. Now overseas, I have called and emailed several times to follow up on the cancellation form. They don't know where it is. The only help they can give me is to give me instructions on how to send the cancellation form. Thanks, Carefirst!

I have been taking care of my mom since these past 3 years, my mom 67 had care1st for about over 5 years. They want to charge her more money but wait here's the thing. My mom was diagnosed with stage 4 lung cancer 2 years ago and Care1st couldn't cover the cancer dr that my mom was seeing in the hospital so my mom ask the dr if they can find her one, we went and the people said "you're not in our database" and they don't even know who or why they told my mom she was approved. We get home and call the insurance, I'm on hold for an hour. She hangs up and doesn't even think to call back!

My family had a medical policy with Care First last year, which was cancelled in December. We signed up for a new policy for this year. Care first nonetheless billed my credit card for 2017 for the monthly premium. After speaking with five customer representatives, I cannot get the overcharge that was billed to my credit card, and I am still billed for the canceled account. So, even though we switched to a new Policy with Care First, they illegally bill us for both policies. We do not intend to use this company again. Based on my experience, it is either engaged in fraud or is simply grossly negligent.

My daughter is under 19 and she is supposed to be covered under her medical policy for dental. I have only every had 1 claim done correctly. CareFirst dropped her from coverage and no one could explain why. I finally was able to get her back under dental but since then the problem is I have to send the claim forms via certified mail (costing me more money) to some PO box which then takes them over six months to do anything with. By then I have already been back for the next 6mth check up. Why does it take so long to process a claim? They just raised my daughter's health insurance premium to almost $300 per month unless I want a plan that pays for nothing until you reach your 2500 deductible.

The CareFirst insurance was going to cancel my insurance because I was past due for only 0.03 cents. I am very upset and depressed. How can a insurance do this to people that is so sad? No wonder people commit suicide because of the health insurance. Please do something about. Where can I sent a copy of the letter that CareFirst insurance send me? I want consumer report to take this matter seriously. Thank you.

My elderly mother was served a civil action by Carefirst. Due to a fall resulting in a fractured spine compounded by dementia it took several months to find out what insurance mother has. By the time we found out from her local pharmacy a massive bill accumulated and payment was to have been made to settle the debt. Looks like only a part of the bill was settled since Carefirst would not cover her pharmacy expenses from the onset of the accident. Was told they have a policy of only going back a limited time to honor back claims. Carefirst does not communicate, takes little notice of the difficulty in trying to manage an aging parent's affairs during a confusing and delicate time and it's time the regulators put them out of business. I have no claim number to reference only a docket number from the civil action against my Mother.

In my experience, CareFirst is not in the Health Care business. They are in the business of collecting premiums. At over $400 per month, I do expect my prescription to be covered... which is not the case.