Blue Cross Health Insurance Reviews

Worst insurance I have ever had as a customer as well as dealt with as a provider. Everything gets denied, they send you false information and give incorrect information over the phone, and if you ever try to resolve anything they give you answers that don’t apply to your specific situation. I have never had such a bad experience with another insurance company. Runaway, if it all possible, from this scam of an insurance.

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?!?!

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.

I have Blue Cross through my employer. My feedback here might seem to not affect Blue Cross now but I hope one day all of these feedbacks get cumulated and will have an impact on the employer's decision on switching insurance.

I recently switched jobs and I used to have orthotics coverage with a max amount of certain dollars. My job changed in February so I called Blue Cross and asked if I pay a deductible in January, whether my deductible will be transferred. The lady I talked to said it won't so I will have to pay another deductible when I start my new job so I waited. I got my new job, and now Blue Cross is saying that not only my deductible could have been transferred but now I won't even be able to claim my orthotics.

Blue Cross, train your staff well as their lack of knowledge affects people's lives.

I asked for a supervisor to follow up so let's see what they say...