Blue Cross And Blue Shield Of Alabama

Knee replacement ordered. Out patient.

BCBS Alabama rep said claim would be denied and $1000 fine imposed if I don't use 2nd MD. Said required. This is blatantly false. Literature says available if needed but not required.

They denied my claim for unsubstantiated reason. Will be filing claim with insurance board and with my employer

Theres a 12 month waiting period, so you have to have the insurance 12 months before it becomes useful!!! Thats crazy.

Everybody is out of network, and its a hassle finding a hood in network dentist for the minor benefits you receive with BCBS AL! Im actually canceling today with my employer.

We hey this company thousands and thousands of dollars a year and when my doctor says I need both of my knees replaced because I'm severely bowlegged and can barely walk this piece of crap company tells me that they will only repair one leg. Leaving me still a cripple.

They take our money monthly gladly and then screw us over when we need medical attention. They are not doctors they are not in the medical profession and they do not have any right to tell my doctor's what I need and what I don't need.

I will be getting a lawyer and suing the *** out of them and they will never get another dime from me. I will get another Insurance company

In February, I was having a heart CTA scan and the radiologist noticed a solid mass in my breast. Subsequently, I went through a visit with my gynecologist who then referred me to the breast center for further tests.

It was determined that I need the mass removed even though cancer was not found. The type of cyst I have could possibly still have cancerous cells in another part of the mass or could be precancerous. After the claims were filed, I discovered very little was paid for by my policy. The ultrasound and the doctor's services (which included a needle biopsy) are to be paid 100% by me.

The lab results were covered for less than $50 and $237 are to be paid by me. My outpatient co-pay was $500.00. The only covered service was the pathologist's fee. I called BCBS of AL customer service and asked why nothing was covered when my policy reads all diagnostic tests are covered 100%.

He said only "routine" diagnostic tests are covered and "medical" tests are not covered. The $500 copay was due to me using a "tier 2" hospital. Nothing so far has been done in either hospital connected to the facility where my procedures were done. I guess "technically" I can't do anything about the $500.

Bottom line, BCBS of AL gives it's customers as little clarification of it's range of coverage as possible. Nothing in my insurance summary says only routine diagnostics are covered by my policy.

My consultation with my surgeon has been put off due to the Covid-19 restrictions put on our state. I am very fearful that my surgery will not be covered and my financial responsibility will go from just under $1200 to many more thousands of dollars.

They do not want to cover you. They told me to submit claims for blood sugar testing device and the will cover cost after deductible then only 80%.

I spend $1200.00 last year and they are fighting me to cover the $160.00. Affordable Care Act, I cannot afford to work.

I need to go on Medicaid. Type 1 diabetic.

I have been with Blue cross/Shield of Idaho for years . Then when I switched jobs , my new company used Blue Cross of Alabama.I have never experienced such blatant disregard for customers in my life .

I had to call and ask questions about my Rx and the operator was laughing and talking about me to her coworker . If you need your Rx covered get prepared for a frustrating experience . They told me on one that I had to only get the Rx by mail order and then another Rx they would only cover 7 days . These were everyday meds and not out of the ordinary .

So I ended up paying for them out of pocket and sending them a reimbursement . It’s a nitemare and I cancelled as soon as open enrollment came around .

The following is my opinion and experience with bcbsal:

I want to file an official complaint if they don’t make a change. I pay a high premium monthly that doesn’t include the dental and vision.

They don’t even let you contact bcbsal if you don’t pay the highest premium.

They have accolade for the lower income or people who use their health insurance plan. They push for behavior health for anyone with a chronic medical disability /pre - existing medical condition.which is called disability discrimination.

I’m sure there are some customers who might need these type of coverage but as I stated their accolade assistance is to push this for customers actually using the bcbsal insurance.

I have actually been diagnosed by multiple specialists and the insurance and their accolade minions can view claims and such to figure out whether or not you are physical impairment.

Accolade also prying into your personal business to find out more things such as diagnosis. They phish for information.

They really contradict each other also.

As far as covering what’s under the plan all of the in- networks try to bill me so much because bcbs doesn’t want to pay and also the in network facilities go off contract you are left with so many bills. If you meet your deductible good luck trying to get any refunds back from facilities because they all say the insurance company electronically told them you still owe copays and other.( basically they didn’t verify verbally as I did to confirm I met all deductible)

This is after you contact their minions at accolade or bcbsal contracted pharmacy CVS ( Caremark) CVS has poor customer service practices in billing and cvs Caremark tells the pharmacy electronically that you owe copay when you already met deductible.

I guess the goal is to drive the customer crazy to the point of actually needing the “ behavior health “ .

According to the BCBS’s Standard Benefit Plan (SBP) 2017, the Hepatitis A and B Vaccine should be covered under the Preventive Care Adult for 100%, and you don’t have to pay anything if you have it done at their preferred network providers or pharmacies. Well, this is not really true with BCBS because they only pay for part of it and not in full.

I had the BCBS Standard Option Insurance for many years until 2018, and have not had any major claims with them. On December 2017 I went to Walmart and tried to get the Hepatitis A/B Vaccine injected, but they told me my insurance card was rejected and couldn’t be processed. So I tried Kroger Pharmacy and the same thing happened. I called BCBS to find out why, the representative said that the vaccine is covered but the injection fee is not.

I told her that ALL the cost should be covered including any fee, since this immunization is recommend by CDC and is also stated in their SBP under the Preventive Care Adult for full coverage. She told me she had no idea. I had to call BCBS Account Manager, he told me to go ahead have the vaccine done and pay for it myself, then file a claim and BCBS will reimburse me for the full amount because the system cannot process my insurance card at the moment. So, I did as he told me and paid a total of $102 for it at Walmart Pharmacy, then filed a claim with BCBS.

After waiting about 3-4 weeks, they processed my claim and only paid me $97. I called them back to find out why, and they said that’s all they can pay for this immunization service. I told them the Hepatitis A/B Vaccine should be covered in full as stated in their SBP since it was taken at their Preferred Network Pharmacy, and was also promised by their Account Manager. BCBS rep said that she doesn’t know what’s wrong and would have to review this issue with her management and let me know later.

Until today they still have not pay me the $5 difference as they are supposed to. Five dollars is not much but I am very disappointed with the way BCBS is doing business. The Account manager told me to pay for the vaccine myself in advance and they will pay me back in full, but they didn’t keep their promise. They don’t abide by their SBP and not pay for the service correctly as stated in the SBP.

Their customer service reps don’t seem to understand nor can they help the customers very well.

It is not my fault that BCBS system or their network pharmacies cannot process the insurance ID card for their customers. I hope that BCBS will recognize their mistakes and try to improve their services better in the future.

I have changed my insurance to a DIFFERENT COMPANY and have had the vaccines injected with no problem at all especially those recommended by CDC, and the new insurance company ID card works very well with any of their network pharmacies.

Blue Cross Blue Shield of Alabama refuses to approve payment for a medically necessary MRI prior to breast surgery. I'm a breast cancer patient that required surgery post chemotherapy.

Surgeon requested MRI to locate the lump in the breast that needed to be removed. Insurance company fails to approve procedure even after an appeal was filed along with letter from surgeon detailing the necessity of the test. I am in the process of filing a second appeal. I also filed a complaint with the insurance commissioner in the state of California.

I will be filing a complaint as well with my employer that used this company. Besides their failure to pay for this MRI - the insurance company also would not pay for the Neulasta shot with each chemo that helps build up white blood cells.

Their refusal to pay for the Neulasta resulted in me ending up in the hospital as Neutropenia (no white blood cells!) After my short stay in the hospital after being admitted thru the emergency room - insurance company finally decided to pay for the shots! Horrible company and I pray that my employer re-visits offering this insurance company to its employees.

bc/bs of al was very good and considerate of my husband and accepted all of his doctors and paid out as should have for his ppo plan. I was very pleased with their service for him but I am not happy with the treatment and rudeness from their customer service I have been given for my own ppo plan.

They say none of my doctors are in their network and they will not pay out for any of my testing done for my own health. They are trying to make me take doctors that I do not like and those doctors do not have my best interest and health in mind. There is no point in having insurance if I am unable to pick and choose my own medical team to take care of me the way I need. I think bc/bs of al should reconsider the doctors that they have picked to be in their network.

I am not going to travel 2 or 3 hours away for a pcp that doesn't even care about me when there are plenty right here in my area but they are no longer in their network. I am so disappointed and angered by them that I would much rather have no insurance and take my chances in the ER. Thank you bc/bs of al for nothing. Your insurance company has become a very sorry company in my eyes.

I am trying to stay here for my grandchildren but you are not allowing me to. Again thank you for nothing.

I applied or THOUGHT i applied for a gap in coverage due to a mix up with the marketplace i ended up n july n still NOTHING had been done talked to several so called agents that was on the border line of straight out rude n given conflicting information n still no coverage i never had a problem with them but they have definitely changed agents just dont care n the meantime i desperately need coverage n have cancelled several appts because of this even spoke to a supervisor n she was rude told me when u fall behind this what happens even after i told her i was advised not to pay until it cancelled she took the opportunity to get smart with me very dissatisfied

What happen they are not helpful at all i had my insurance with them and i move i call them to let them know so the next month i go to my dr. Appointment my insurance has gone up and when i ask why they claim it was my tax credit that i suppose to been paid which i know i was paying my monthly payments.

Then in April of 2017 i get a letter saying my insurance has be cancel so when i call they giving me the run around saying call another number i was nice about tried not to cuss them out so, now i does not have any insurance because they played me and my hospital i just got from March 2017 said i owe $1200 for something they suppose to been paid anf then they have the nerve to send me a check for $5.75 . Please all i ask for my insurance back.

My son is in the hospital, his doctors/therapy dept have filed appeal after appeal to get him into an acute rehab only to be denied. He was in a motorcycle accident November 2015.

Medically he is where he needs to be after the surgeries he had in October/November (shunt, cranioplasty and surgical closure of trach site) and DESPERATELY needs acute rehabilitation so he can go back to living a normal life (He's 35) and they keep refusing Cleveland Clinics request. Then they said he can't go to even a nursing home. Unbelievable!

He is physically unable to go home! Unbelievable!

My son has been on his depression medication for 2 years. He had one more refill for his medication but when he went to pick it up at the pharmacy he was told that BCBS had decline to refill due to expense of medication.

This was on a Thursday. I called the doctors office who called BCBS who sent the doctors office a PA. Receiving it Friday, submitted, then declined on Monday. With his doctor being out of town my son was forced to be without medication for 4 days.

He missed school because of headaches and stomach issues due to withdrawals.

AntiDepressants can't be stopped all at once, warning on the label explains why. BCBS should at least send customers who are taking this type of medication a 30 day warning so they can make arrangements to have their physician prescribe another medication.