DemandFairness
New Member
- 3
BCBS are a bunch of incompetent crooks! I've had nothing but displeasure while dealing with this abominable company. My grandpa is really the only person in my life that has a stable financial situation, so he helps me out in every way he can. Last year, he started paying for my BCBS insurance plan at $400/month. I had a $2,000 out-of-pocket max with combined prescription and medical (prescription AND medical money both go toward the out-of-pocket max). The plan started in January. Come August, and I think something is fishy because I feel I should have reached my out-of-pocket max by now. I call Prime Therapeutics (my prescription coverage) and they tell me that my reached out of pocket max is a completely different number than BCBS tells me (my medical coverage)!!!! They forgot to combine my medical and prescription out-of-pocket numbers!!! So, I speak to a manager, and he apologizes that this happened, and they take weeks to fix it! In the meantime, I should have already reached my out-of-pocket max months ago! The manager tells me they owe me $1,300 and they would send me my money immediately. That was about 10 months ago. I've been calling them almost every 2 weeks since this has happened, and every time I call the person that picks up the phone can't seem to find the "reference number" that this incident refers too. It takes about one hour of explaining and being passed around from department to department to finally get a manager that can find the referenced situation. I even got a manager once that personally promised to take care of it within a week and gave me his direct number. 2 months passed, and I receive no checks, so I call his number - of course he doesn't answer, I leave a voicemail, and never get a call back.....
I would sue this company if it were more money (the attorney fees and time aren't worth it), but the way this company runs it's business is abysmal. Oh, and remember how I said last year it ran me $400/month? Well this year it decided to hike it up to $500 and cover less medications for me. Yippee!!! I feel completely at the mercy of insurance because what are we to do? I want some way to be able to fight back, but I'm just not sure how to...
One more story. I had multiple tests done at Cleveland Clinic in Ohio, and I get a huge bill from them many months later. I call BCBS to see why they hadn't paid, and they claimed I didn't pay my insurance fee for that month so I didn't get coverage. I went back into my records, and found an exact date and time that I paid my fee, and told the lady on the phone. She apologized, and said that she would reprocess the claims with Cleveland Clinic. Is this a joke??? AM I DREAMING??? The claims still haven't been processed and I STILL owe money to Cleveland Clinic that I should not owe.
How do I battle against this evil company or any insurance company in general that treat its clients like complete crap?
I would sue this company if it were more money (the attorney fees and time aren't worth it), but the way this company runs it's business is abysmal. Oh, and remember how I said last year it ran me $400/month? Well this year it decided to hike it up to $500 and cover less medications for me. Yippee!!! I feel completely at the mercy of insurance because what are we to do? I want some way to be able to fight back, but I'm just not sure how to...
One more story. I had multiple tests done at Cleveland Clinic in Ohio, and I get a huge bill from them many months later. I call BCBS to see why they hadn't paid, and they claimed I didn't pay my insurance fee for that month so I didn't get coverage. I went back into my records, and found an exact date and time that I paid my fee, and told the lady on the phone. She apologized, and said that she would reprocess the claims with Cleveland Clinic. Is this a joke??? AM I DREAMING??? The claims still haven't been processed and I STILL owe money to Cleveland Clinic that I should not owe.
How do I battle against this evil company or any insurance company in general that treat its clients like complete crap?