Blue Cross Health Insurance Reviews

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!

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...

I am appalled at Bluecross customer services. Any time you have an issue and need to speak with someone, you'll have 5 different reps replying in one email chain, all of which just read off of a script to dissuade you from getting any touch with anyone who has actual authority to help you with your situation. I'm been trying for years to get more information about my dental coverage, why it's so bad and what else can I do, and just get so frustrated I end up giving up halfway through the process because nobody has an interest in actually helping you with your issue, they just want your money. Go to literally any other provider if you have the option.

Blue Cross will reject 98% of your claims, and the ones they will accept they only take a small deductible off. They do not cover most of my medication prescriptions, barely cover any expenses to do with vision (which is a necessity) and dental is a total joke. Nothing is covered in dental. Overall I feel like I am paying for absolutely nothing. Blue Cross also loves to give the run around as well & they can be really hard to reach if you need to speak with someone directly. Do not recommend their services.

I submitted a claim for since 06 May 2020 and till now did not get the payment, today is 20-06-Jun I got an email saying my claim was processed but it did not tell me that I did not get paid. I opened the portal and saw a note that the name of the provider is required, the name of the provider is in the receipt I opened a case and I got an email stating that the provided is not listed in the system. No one can assist from them and I can't get a clear answer from them.

Terrible service and run around. Hard to get in touch with. I wouldn't cover my medicines without proof from my Doctor that I had tried cheaper drugs first. Who asks for the strongest and most expensive drugs first! Don't waste your money!

Denied my claim and gave me 3 months to appeal. I emailed them for more information the same day and a month and a half later they still have not responded. I have hired a lawyer and they won’t call or email him back either.

Had a very bad experience talking with a representative at Blue Cross. After telling me I cannot claim dental using the app or online and that I had to go to their office and hand it in, I noticed that I have not received the claim after 2 weeks. I called and visited again talking to a nice lady, who was very helpful and kind. She told me to call her within 7 business days if I didn't receive the payment, and just ask them to transfer the call to her since she is aware of my situation and what the problem is. After 7 business days, I call Blue Cross again, wait for 40 mins and finally talk to a representative who is very rude and asks me to go through the details. After asking her if I can talk to one of her colleagues, she responds that she is on another call and it can be a bit of wait. I told her I don't mind the wait since it would be easier and I rather not explain my case again since apparently it's been complicated and the previous representative already knows my case. Then she replied that such a person DOES NOT EXIST in the office. I give her descriptions and she asks me if I know her last name which I reply that I don't and she gave me her card and I described her looks again. She then goes and tells me that she's the only representative available and I explain my case and how I have been waiting for more than a month for the claim and yet have not received any money. She responded that there was a mistake with the address (which we updated the profile and everything in my meeting with the previous representative) and then I ask her if it can be directly deposited in my account and she makes an excuse that she can't do that... I mean how is such a thing not possible, especially since my bank is linked to the app and everything? She tells me to either pick it up from the branch or it will be mailed to my "new address" within 5-7 business days. I asked if I could have her name just in case the cheque doesn't go through or I don't receive it so that I can talk to her again instead of explaining everything again to a new agent and she says she rather not. After I explained how this would be easier she gives me her first name. I reminded her that maybe there are other people with her name or that another representative doesn't know her first name and also that when you call the number and you know the first 3 letters of the last name, the directory will automatically connect you to them - which saves a lot of time and not being on hold. She refuses several times and just gave me the first letter of her last name. I mean how is that useful? And wouldn't another representative ask if I know her full last name again? This is just sadly ridiculous and cyclical. And if any of the Blue Cross members are reading this, please explain and teach some manners and common sense as well as empathy to your workers and colleagues. Unfortunately, it seems like some are desperately in need of some guidance.

Blue Cross will cover only if pharma care approves it. I've seen so far pharma care takes forever and there is no phone number to contact the special authority office from the minister of health. So, we are somehow on hold not knowing when a decision will be made. IDK why a third party insurance has to use pharma care as an excuse to make their own decisions. Also, IDK why pharma care takes forever when they will not pay but Blue Cross.