Blue Cross Health Insurance Reviews

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.

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!