Blue Cross Health Insurance Reviews

If needed, it is a great cost-effective plan as it beats many private insurers. Signing up is easy, all online. However, I wanted to cancel the plan, which they say can be cancelled at any time. To cancel, you first have to submit a request to cancel; then, a rep will contact you to try to keep you on a lower-cost plan, which may not be bad for some. I was told it would allow additional drug coverage that my new plan does not cover, which seemed reasonable, but after asking for these details twice since I was not sent the info as I was advised I would be or a benefits document to state what is included, etc. I found out it only comes at a higher cost. I was also told if I wasn't interested, I could have it cancelled by the end of the month. After contacting them a third time to just cancel it at this point, I found out the cancellation must be done by a printed form to be faxed or mailed directly to them, so I know it won't be done by the end of the month. Why is it so easy to join yet so difficult to cancel? It is almost as bad as cancelling a mobile phone service with all the hoops. Who uses a fax to send documents in 2024?!?!

Totally the worst heath insurance provider. I've been paying for 18 years and have never had a claim for physio or medication covered and now they won't cover my dental,
in my time as a member if I had saved the premiums i could have a complete new set of implant teeth and a holiday in Mexico and still had change. I feel I've been conned by this company.

How is it legal to charge 3500 over a 2 year period and only cover 200 in contact lenses and the rest I pay out of pocket? And how is it legal to FORCE employees to pay for this with no choice? It's blatant robbery.

A few months back, I enrolled in extended health insurance provided by Blue Cross through my employer. While having this coverage for medical expenses not covered by my provincial health card (OHIP) brings relief, dealing with Blue Cross can be quite intricate.

For instance, one of the medications I require isn't automatically covered by Blue Cross. To seek coverage, I had to provide a form to my doctor for completion and fax it to Blue Cross for approval, with the possibility of receiving compensation. It's been two months since my doctor's office sent the form (and I paid a $50 fee for it), yet there's been no response whatsoever. It's frustrating to speculate whether their silence is due to a reluctance to pay.

In my opinion this called health insurance is good for nothing. The only thing that is clear is how much to pay but for what, only God knows.
There are also hidden fees non declared for different reasons.

Did not cover my ‘basic’ drug needs, then required me to have my doctor complete a comprehensive medical audit with 2 years of clinical notes. Benefits were suspended until audit was returned and ‘reviewed’ (no dates given). I immediately cancelled my policy, but not before taking another month fee and future dating my cancellation. So I paid without the possibility of a claim for an entire month. Tried to complain and escalate - denied. PLEASE, FIND ANOTHER INSURER!

The sales rep that signed me up blatantly lied about my coverage. I asked for two items - dental and optical. I wait 3.5 months to go for an eye exam and when I get I go to pay, my Alberta Blue Cross has NO COVERAGE?! So basically I paid hundreds of dollars in payments, yet I do not have coverage?! Insane. The sales rep also would not return my calls and emails. I guess once they sign you up, they are done with you. When I called in and spoke to another customer sales rep, they convinced me to an upgrade. However when I found out I did not have the coverage I asked for, I asked them to just cancel the plan. She said they require a letter and it would take over a month to go into effect. So basically, keep paying for absolutely nothing. It's unfortunate that these huge corporations can get away with that.

They will call you to set up a plan, the premium looks good.
But then they will have you called by an assessor, and even if you are honest and fair, they will find a way to either exclude something from your package or bump your premium up.

In my case, they looked at a medication. Then they did not contact the doctor that prescribed it, which is easy enough to do, but went ahead and excluded all mental anxiety and depression medication in the future, because they make you out to be a liar and somehow say the medication you are taking falls in that category.
In a time when mental illness has become the world's biggest problem!

Do not sign with the Blue Cross!
They are untrustworthy and make you out to be a liar.

I have been a very long-time high-paying customer.
My monthly payments were reasonable at one point, but then I noticed it's now well over $200 a month They take from me and I don't even get 90% in refunds...
So far I've had 5 Chiropractic appointments and submitted 3 claims and I just got a $75 check today.
And that's not $75 each, it's only one cheque. The sessions are $109 each!
Way to treat your long-time, high-paying customers... Thank you for essentially giving all of us nothing.
You are LOADED. Do better with us!