CareFirst Reviews

I have been extremely disappointed on the lack of customer service with Carefirst. I have called every number I can find to get a claim question answered. I am on hold for hours. Even the Corporate office. Next is the insurance commissioner. This is the worst I have ever seen. The first chance I get I am changing insurance companies.

As a provider's office in radiation oncology, this insurance company is absolutely reprehensible. One of our cancer patients got a new updated ID card effective 1/1/26. 1/2/26, when we get back in office, I call to see if she needs a new precert for 2026 for her radiation treatments. Of course, I am on hold and on hold and on hold. I had other patients I needed to check on as well, so I called the last nurse who approved her 2025 codes, Linda. I leave Linda a voicemail with what is going on and that I need to see if she needs a new auth for 2026. Monday comes and goes, no phone call back. I call CareFirst again at their 1-866 line and can't get through again.

I spent hours on hold multiple times to find out if a provider is in network only to get hung up on after 2 &1/2 hours of waiting on hold. Their website states that the closest mammogram screening site that is in network is 200 miles away. How do I know who is in network and who is not if the provider cannot answer that question, CareFirst won’t answer their phone, and the CareFirst (sapphire) website has outdated providers listed or gives different answers when logging in at different times.

All of the BAD reviews are accurate. The ABSOLUTE WORSE customer service I have ever experienced. They only give you the runaround. A total loop to loop. You are not able to speak with anyone who can give you any definitive answers or resolutions. Even the so-called supervisors hang up (as if it were a dropped call). Despite having your telephone number, they do not return calls. It has only been fifteen days since becoming a member of Carefirst BC/BS Medicare Advantage and so far it’s been horrible.

I'm not even going to into my full history, almost two decades long, in dealing with this horrible company. Let's just focus on the past two years. I voluntarily left my employer in May 2024, and informed them I would _NOT_ pay for COBRA. They told me they informed Carefirst of my termination. I move from a Carefirst BCBS _employer_ plan to an _individual_ plan bought on the ACA market.

Care first of Maryland is quite simply the worst insurance a person can obtain. After taking money out of our paycheck for decades, and now we need reimbursement for something that is not elective. It is in fact life-saving they don’t want to process it. Instead of being helpful when you call, they talk in circles. Simply because they do not wish for your claim to be processed. They are not helpful, and the billing department at the facility is also extremely unhelpful. So now I’m battling two parties, neither are willing to help. Unbelievable.

I moved from NH to MD late August and needed to change my health insurance. All documents were submitted to CareFirst mid-September for a 1 October 2025 effectively date. I canceled my NH Anthem insurance effective 1 October.. CareFirst had been contacted on numerous occasions with escalation tickets as I am out of my meds and need to get new doctors. Today is 16 October and I still do not have a policy. I cannot afford my meds to pay out of pocket for reimbursement through claims at a later date. The reps tell you if will be processed in 3-5 days and it’s a lie. They don’t care. Please know that all Blue Cross Blue Shield careers are not created equal. CareFirst is by far the worse health insurance carrier of the BCBS bunch.

If I could have given this company 000 stars, I would have. By FAR the worst insurance I've ever had. They DO NOT COVER pre-screenings for anything. They deny even the smallest prescription medications. And I am paying for their GOLD plan. Over $600 per month.

I have had CareFirst BCBS for almost 5 years. If you don’t get sick and only use it for yearly dental cleaning and contacts, it’s great. But I had yearly physical & bloodwork done (Which they will give you a $600 penalty if you don’t get done every year) and I owe more than $1200 for just the labs. It costed me more to use the insurance than if I just did a self pay at the doctors office. I went through a lengthy appeal and brought up their own pricing framework and they still denied my claim and stuck me with the bill.

As a provider in Maryland I can say those organization is hard to work with because the customer service is so poor. The ability to get an email address won't help. They simply won't get back to you. Requests are ignored. It's such bad service for providers I'm opting out. I can't stand the horrible treatment anymore. They have failed me.

I have a rare genetic disorder. I pay $845.00 for my monthly premium, as I am self pay. That amount has fluctuated over the last 7 years. I had to pay for a top tier plan, due to the fact that MRIs and such did NOT require authorization. I require many scans. As of August 1, 2024, that all changed- authorizations were suddenly required!!! I was not even aware of the change, until the imaging facility called to notified me, that a scan had been denied. I thought that they were mistaken. They weren’t.

I found out CareFirst had suspended my health insurance a month ago but I was not notified until a month later. For reasons unknown, Care first cancelled my policy a month ago and issued a new policy. I made the payment a month ago and Care First sent the check back for reasons unknown. The amount I sent a month ago was identical to the amount owed under the new policy they just issued. Why they did not apply that check I sent a month ago to the new policy they issued is unknown but this caused me to be without insurance for a month. Luckily, I did not need to use the insurance. This action by Care First was negligent and against the law. I guess I will need to check every week to make sure no shenanigans have occurred and no one has cancelled my health insurance. Good grief!

Hi Guys. Be careful with Care First Maryland. Care First will create multiple same policies for the same person for same period of time (2025), and they will charge multiple times premium amounts from the same person. Please check every day your bank accounts. This is guys took 3 months to activate just 1 person policy. And they created 2 polices for me. For one policy they are charging premium amount monthly once. For the second policy they are charging premium amount every 4 months once. If you call customer service request for your money they simply hang up the call. I roamed across the Maryland health connection office and care first office at Baltimore couple of time. They will ask appointment to meet care first director. I don't know how to get appointment. As a middle age person I am roaming for my money across the offices in person, no solution. They will resolve after couple of months, they are least bother.

A representative purposely hung up on me at 11:05 or so on 4.11.2025 because I got upset that they couldn't help me. It is an urgent matter, and when I complained, he hung up on me, saying that I was irrational. Please do yourself a great favor and avoid using Blue Cross for insurance. They sent my check to the provider, but I never got it back. It was a man on the main customer service line. There is no way to check whether a check has been cashed/deposited by a company, and the company is not responsive either. I will change my insurance company next year.

I had CareFirst for one year, in 2024. It was by far one of the worst health insurance companies I have had in my life and I will never, ever use them again. Claims are not processed in a timely manner and it frequently took several lengthy telephone calls by me to get claims processed. I am currently on a call with CareFirst now, over 1.5 hours at this point, to figure out why claims that were submitted in early December are still not processed or keyed in. I have been calling since early January about these claims and I receive a different story EVERY time. On January 6 I was told the aforementioned claims were being processed, when I learned today that is not the case and they have not been processed yet. In addition, they have no clear out of network claim process, and there too the rules change with every claim and the ultimate telephone calls that follow. By far the worst health insurance I have ever had.

My wife and I changed to CareFirst through her new employment four months ago. There is a COMPLETE disconnect between their services and being able to coordinate with CVS Caremark. It took me over three hours on the phone and at least six phone calls to three different phone numbers just to get one of my prescriptions set up. Their website is set up to use single sign on to redirect to CVS's Caremark website, which is a horrible idea from a technological perspective, I am constantly having login issues and have no control whatsoever to be able to manage my prescriptions through Caremark's site or app, not even able to create a normal account. Whoever was in charge of this merge should be fired, and the entire system should be dismantled and rebuilt from the ground up.

I have been trying to set up my son's Humira prescription for 4 weeks. CareFirst uses CVS Specialty Pharmacy, but doesn't seem to have any way to coordinate with them. CareFirst denied coverage and keeps passing the blame and sending me back to the pharmacy...the pharmacy keeps telling me it's CareFirst that needs more information from the doctor. The doctor has provided all information!! Several times!! Only giving one star because I had to choose between 1 and 5...no place to choose 0!!

Tried to sign up for CareFirst MedPlus back in December - before the 7th - to meet the Medicare deadline. Signed up online. Didn't hear back, didn't hear back. Tried to find out status and kept being told it was in process on the website. Today (January 3, 2025) I got a package IN THE MAIL telling me I was missing some piece of information (certificate of coverage) and I'd need to resubmit.

Customer service is horrible. They refused to cover my initial pregnancy screening in April and took the remainder of my pregnancy (late August) to offer option for appeal. During that time frame, they bounced me by around passing blame to the hospital & LabCorp. They then drug out the appeal process… Which we have no final solution to because they cut off our access. One week after my child was born (September), we took the opportunity to switch our insurance providers. CareFirst took this opportunity to deny coverage for all services provided in hospital. Please avoid this insurance at all costs… They provided so much strain to my pregnancy & now my post postpartum period.

I've never been involved with these morons and I never will. On top of treating their customers like crap, they practice blatant identity theft thinly disguising it as "a job opportunity". I don't know how many thousands of poor people they have hounding people from India but I've been getting endless calls for multiple months. This is a company that deserves to be shut down and have its top brass put in prison for the rest of their natural - and unnatural - lives.

Customer service is not helpful. I had one question that was never answered. I did, however, have to verify my information multiple times, get transferred to another person to verify my information again, and then was given a ramble of information that was entirely disconnected to my original question. I was on the phone for an hour with zero results. Complete waste of my time.

I have never dealt with a organisation like this, their poor understanding and poor services just drives you nuts, for even just a small reimbursement, I have to back and forth, on and on making more than 10+ long distances phone calls together with so so many Emails for follow-up my already approved benefits, for more than 4 months, I still failed to get my whole reimbursement, I sent them all documents including my bank credit advices to prove that how they had made mistake by wire to me only with less amount, indeed they never admitted those so many errors they had made leading to so many problems.

6 times during the 3 month period I have contacted the customer service on denying the refund for Hearing Aid we already paid. I was told that they will correct their data entry problem and call me on a status of my claim. Still did not hear from them. It’s a horrible service and very frustrating experience.

You just can't make this up. CareFirst just sent me a survey and all I was doing was checking off boxes. Not even entering free text and it logs me off without warning because I was taking too long. Well now I am going to write a Really Long Review of my Experience with CareFirst coverage for Federal workers. I cannot wrap my head around a health insurance company closing for One-Hour - Noon to 1pm, at the Same Time their Clients have their 30-minute lunch break.

ZERO STARS!!!! THE WORST CUSTOMER SERVICE. CareFirst can't process their way out of a paper bag. notified them that my deductible was incorrect in February. They said give it 30-45 days. Well, nothing changed. In May I realized that I had paid well over my deductible and started another series of calls. 3 months later I am still trying to get everything cleaned up and reimbursed for the overages. Every time I talk to them I get told within the next 30 - 45 days. I have never once gotten a call back from them even after their agents have told me they would call back with updates. AVOID CAREFIRST IF AT ALL POSSIBLE.

This "company" is deplorable. They denied paying for my ANNUAL MAMMOGRAM, but for six months following receiving a $1076 bill for the screening (that I only did because it is the one FREE THING I get) - various workers ASSURED me the claim had been denied in error, and not to worry. This happened again and again as I was billed by radiology. I had to get my HR involved and supposedly these calls would be listened to but that never happened. Ahead of the mammogram they had told me it didn't matter where I went. Well - it did. On every single call with them for six months I also asked them to mail me a new insurance card since my wallet was stolen. Well, that was apparently too much to ask for also. I despise them.

10 days in with CareFirst and it's been a nightmare. Old PCP is no longer in network. Old dentist, no longer in network. Trying to find new providers is IMPOSSIBLE. The CareFirst website and even the support agents when you call in have inaccurate information. I've spent almost 5 hours on this and gotten just about nowhere. In the provider directory almost every single provider showing as PCP / Internal / Family specialist is actually a specialist-- infectious disease, cardiologist, etc. When I called an agent to check the info on the website just to be sure, they gave me bad info that a dentist was covered that IS NOT in network according to the dentist office themselves. What am I supposed to do?

Carefirst is the worst insurance providers there are (coming from the head of HR). The data in their claims system is inaccurate;, Their website is the most unfriendly system there is - it is constantly not working, the data in the system is not accurate, claims reports are always missing claims info; They follow the 1980's practice of deny, deny, deny until you give up submitting claims and appeals. They do not consider modern medical practices. Their appeals reviewers are doctors who you do not want making decisions regarding your health. Then add their costs - they are the most expensive coverage available and give you the excuse that they charge so much because they have the highest volume of in-network doctors, but that is not true.

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.