Blue Cross And Blue Shield Of Tennessee

I dropped BCBSTN the last go-round because they didn't cover even routine physician visits. I've had to consider starting up again, so I looked at it again. It's even WORSE! Nothing covered until you reach $4K in deductibles, which is higher than before! NOBODY can reach that in a year, unless they're going to the doctor weekly! I won't be wasting money on a premium again.

The insurance for dental is a joke. I had one dentist state that they were not going to charge me or my insurance for x-rays and they did. Well call the insurance they called the dentist and verified that I was correct. They wrote it down in their notes, they said wait 6 weeks and I should see a change to call them back. So I waited it never changed so I called them back then Bluecross Blueshield had to verify it again???? WTF you verified it the first time. This time the dentists office said something different and my insurance is like well we cant do anything even though in our notes it said they agreed with you months ago. You have to file a dispute its been weeks for the dispute and i'm still having to fight what was already verified! That's just the beginning I went and saw a dentist for a tooth extraction. My deductible is $50 dollars and I have to pay that first before the insurance company will touch the bill which for an simple extraction they will pay $47 per tooth, well the dentist stated the bill was $97 i just looked at my account and they only charged me $95 (awesome dentist) but I paid full right off my card. From what I was told since i paid the full $95 out of pocket that the $50 deductible was covered and the insurance should reimburse me the rest. Well the insurance company is trying to say I only paid $47 towards my deductible and I got stuck with the rest of the bill. WTF If I paid $95 upfront obviously the the $50 dollars was paid but they say they only take the amount of the tooth that they would pay and apply it towards the deductible. That makes no sense at all! I already paid $95 they should have took the full $50 dollar deductible and reimbursed me the rest. Its a waste of money and time and seems almost cheaper to drop the insurance and just pay out of pocket. Cause in reality if your insurance is $27.50 per month and a tooth is $95 and they only cover $47 think add the total out of pocket is only $19.50 cheaper per tooth a month which is not crap. They are scam artist. And if they don't fix my deductible I'm going to drop them and sue them for the inconvenience and insurance fraud. The entire thing is a scam.

Reading these complaints all amount to the same story. High deductibles and out of pocket costs. No one like s to pay more ! Folks,,, the hard truth is this. YOUR out of pocket costs went UP after the GREAT Obama Care MESS was passed. Your deductibles and out of pocket costs are MANDATED by OBAMA CARE. NOT the insurance carrier. The carrier can only sell what Da Gubment allows them too. Remember when Obama told the American people that we could keep our doctor. Keep our plan !! HE knew that was a lie. Now what are you going to do ???

STAY AWAY this is the worse insurance ever. no matter where I go to use it the prices for drs or drugs are always higher using the insurance than without. Of course they set their deductable at a level that I will never reach unless I have a massive heart attack. The contract they have set up with providers are charging patients 50% more than without insurance. I am canceling

Every doctor I go to the rate they charge is much higher with BCBST than if I told them I do not have insurance

It is absolutely insane that you can call what you sell insurance. This basic plan that you sell to companies is an absolute rip off for individuals and their families. When our second child was born I ended up with about $12,000 due out of pocket! That's just the tip of the iceberg. Anytime one of us need to go to a doctor, we end up with a ridiculous bill. I am swimming in medical debt because BCBS of Tennessee offers worthless plans to cheap companies to give their employees. It counts as having insurance, but it is far from insurance.

It is absolutely insane that you can call what you sell insurance. This basic *** plan that you sell to companies is an absolute rip off for individuals and their families. When our second child was born I ended up with about $12,000 due out of pocket! That's just the tip of the iceberg. Anytime one of us need to go to a doctor, we end up with a ridiculous bill. I am swimming in medical debt because BCBS of Tennessee offers worthless *** plans to cheap *** companies to give their employees. It counts as having insurance, but it is far from insurance.

Our heath care system in the US is seriously broken and insurance companies like Blue Cross blue shield of Tennessee are the primary reason. Their sole purpose is to refuse treatment and medications that are desperately needed. They beat the doctors and drug companies down to what they deem a fair charge and then don't even "approve" that amount which means they pay nothing AND that amount you end up paying doesn't even count towards the patients deductible. So in a nutshell they collect the premium from you, refuse most treatments and medicine the doctors try to prescribe to the patient to the point the doctors won't even bother with you, and they work the system so what you have to pay doesn't event count towards your deductible. Despicable company that forces their customers to suffer needlessly just to fill the executives pockets.

The ABSOLUTE WORST! have been fighting this company for over a month to get my wife pain meds. Well after numerous phone calls between Doc ( which is a great one) BCBS company and the pharmacy ( which both have lied to me on several occasions) could not get help from any of them! BCBS had told me they contacted our DR which was a lie! said the never received an appeal for the meds from DR which was another lie because the sent me a communication stating they did. It is downright disgusting that I give this company my hard earned money and we receive nothing but lies, headaches and poor coverage. OH not to mention apparently they have no supervisors on staff cause every call I made I was never able to get one, I believe that they kept me on eternal hold, then came back saying they cannot reach one! hey maybe that's the reason for POOR service, NO supervisors!

From a physicians office: a dr tried advocating for the patient and get a peer to peer review they said on a Tuesday @ 2:30pm they didn’t have anyone that could speak with the dr! Absolutely do not care about patients they cover or the dr trying to care for the pt!

They do not cover anything. Not meds, not office visits, not procedures. It’s like having a coupon more than insurance yet premiums are very high. Can’t wait for open enrollment to ditch these losers

I have been in contact with BCBST as every time we receive a bill from a hospital stay I have to verify the coverage & charges. Each time I have to start from scratch, explain everything, & each call takes from 40 minutes to an hour and a half. Today it was 40 minutes & we got nowhere. The lady couldn't figure anything out, and has to call me back. She seems to have a clue about nothing. When she calls back, if I can't answer the phone, she cannot leave an extension number, so I have to start all over again with a new person. This is a completely moronic system as there is no consistency in dealing with the same person, but you have to start from point zero every time. This is the WORST CUSTOMER SERVICE IMAGINABLE.

Why would any medical professional have to wait on hold for precert for over 30 minutes and counting? NO REASON!