Blue Cross Health Insurance Reviews

I didn’t choose this so-called insurance company, my employer did! 20 years of dealing with poor coverage, poor services, kept on hold for 40 minutes, for this insurance to barely cover anything, most of the time I’m paying out of pocket so sad for working class people!! 5,940 per year covers 168.00 eye care, 1000 for dental which is a joke! Medication only 40% the cost doesn’t justify the means. Now I’m looking at a dental bill of 7,300 to 13,300 guess who has to pay this out of pocket? So why have Blue Cross?

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?!?!

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.