Blue Cross Health Insurance Reviews
Best Health Insurance?
- Rates from 20+ life insurers
- Dental, Vision, Drug plans
- Can be purchased remotely
Filter
Most helpfull reviewsLooking for Cheap Insurance Quotes?
Life Insurance in Your City
Life Insurance in Your Province
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.
I'm a federal employee with Blue Cross Blue Shield Basic. I pay, for the +1 plan, $220/paycheck. Family is $240. There is NO deductible. No percentages. No risk.
My wife went to the ER a few times. Each time, a simple $150 deductible. The bill was $15,000. If she needed surgery? $150.
My doctor and specialty visits are $30. Everyone is In-Network for Blue Cross. Pregnancies are free. Urgent Cares are covered. All your kids have the same unlimited protection.
Now there are cheaper plans like Blue Focus. People may also be confused because their "Standard" plan is more expensive, and you pay percentages, with a deductible. If you need it, you know (due to a medical condition, out-of-network, etc.).
Basic is the best I have found so far for the government in that there is no deductible, no percentages, everyone accepts. The down-side is that is one of the most expensive for federal employees.
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!
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...
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.