Blue Cross And Blue Shield Of Tennessee
Blue Cross And Blue Shield Of Tennessee Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Blue Cross And Blue Shield Of Tennessee has a 1.4 star rating from 11 customer reviews and is largely described as unsatisfactory; reviewers cite high prices, billing and refund disputes, cancellations, and poor customer service.
Key Takeaways for Future Customers
- Read plan details carefully and check deductibles and coverage before enrolling to avoid unexpected out-of-pocket costs.
- Document all payments and cancellations and expect long waits on phone support when pursuing refunds or disputes.
Negative Feedback / Risk Areas
- Frequent customer complaints about long hold times and unhelpful support when resolving billing or refund issues.
- Reports of denied claims, canceled policies without clear notice, double charges, and restrictive coverage with high deductibles.
Positive Feedback
Some customers note individual representatives who were patient, helpful, and provided correct information during calls.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Blue Cross And Blue Shield Of Tennessee has a 1.4 star rating from 11 customer reviews and is largely described as unsatisfactory; reviewers cite high prices, billing and refund disputes, cancellations, and poor customer service.
Key Takeaways for Future Customers
- Read plan details carefully and check deductibles and coverage before enrolling to avoid unexpected out-of-pocket costs.
- Document all payments and cancellations and expect long waits on phone support when pursuing refunds or disputes.
Negative Feedback / Risk Areas
- Frequent customer complaints about long hold times and unhelpful support when resolving billing or refund issues.
- Reports of denied claims, canceled policies without clear notice, double charges, and restrictive coverage with high deductibles.
Positive Feedback
Some customers note individual representatives who were patient, helpful, and provided correct information during calls.
Media from reviews
Turn one complaint into a collective action
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Nashville, Tennessee
Won’t send me a refund for a policy that has been cancelled
I cancelled a policy in November and have not received a refund. I put in the policy number and Blue Cross keeps me on hold forever. I want my refund for the policy.
Preferred solution: Full refund
User's recommendation: Terrible customer service
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerInfo on 2023 ****A form
- - The rep was awesome, patient, and helpful.
- - The rep provided the needed info and assured it was correct.
- - He has a caring, beautiful personality.
The Representative was awesome!!! He was patient and very helpful to me and gave me all the info I needed and assured me the info received was correct and complete. Like I said before, He is a awesome, caring Representative with a beautiful personality.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerBcbst drafted double payments for health insurance when I only authorized one payment
- - I switched to a business account and set auto payments.
- - Next day, a charge for twice the amount posted.
- - Agent could not stop it; refund after it clears.
I signed up for an individual health insurance account with my personal bank. Upon establishing the insurance I needed to swap bank accounts to my business account.
Prior to any automatic drafts coming out of my personal bank, I established my business bank account and setup automatic payments. The next day I see a charge for twice the amount being authorized out of my business bank account. Knowing Ive canceled all automatic payments except the one I set up, I called customer service for bcbst. The lady basically told me she could not stop the process and Id be charged for 2 months instead of only one that is required.
Informed her the books were budgeted to cover cost of just 1 month of insurance, not two.
She told me they would not refund the money until after it cleared which will result in me incurring over draft fees and other fees due to their negligence and carelessness. It is apparent their mentality is its my loss and they do not care even though it is their mistake.
- Not returning all monies
- High premium
- Customer service
Preferred solution: Pay the over draft fees and cost of my time to manage their mistake.
User's recommendation: Avoid them
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerNonexistent coverage of any services, high premiums and deductible now 30% higher
- - BCBSTN didn't cover routine physician visits.
- - Deductible starts at $4,000, higher than before.
- - Hard to meet in a year; premium isn't worth it.
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.
User's recommendation: AVOID this company
Dental
- - X-ray charges were verified, but notes conflicted and a dispute is ongoing.
- - Paid $95 upfront; deductible was $50, insurer says only $47 counts.
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.
Preferred solution: Apply the $95 i paid upfront towards the $50 deductible like you should have and cover the rest, also get back the money the first dentist stole that you already verified that they said I and my insurance would not be charged. Tired of waiting.
Seems that Blue Cross of Tennessee is NOT to blame
- - Deductibles and out-of-pocket costs are high.
- - Costs rose after ACA.
- - Government dictates what carriers can sell.
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 ???
Preferred solution: REPEAL OBAMA CARE !!
Chattanooga, Tennessee
Worse insurance company ever
- - Care prices are higher with this plan than without.
- - Deductible is set too high to reach.
- - Providers charge about 50% more with this plan.
- - I'm canceling.
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
Stay away total scam
Every doctor I go to the rate they charge is much higher with BCBST than if I told them I do not have insurance
- Higher rate than non insured
Preferred solution: Price reduction
Barely Counts as Insurance
- - BCBS of Tennessee plans are not a good value for individuals and families.
- - We had about $12,000 out-of-pocket for our second child.
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.
- High premium
- High deductible
Barely Counts as Insurance
- - The plan is a rip-off for individuals and families.
- - We paid about $12,000 out-of-pocket for our second child's birth.
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.
Augusta, Georgia
Never realized how broken our health care system is until dealing with bcbstn
- - The US health system is described as broken and BCBS Tennessee is blamed for refusing treatment and not counting payments toward the deductible.
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.
Hundreds of dollars per month and nothing is covered
- - High deductible; doctor visits aren't covered until $3K is met.
- - 600/month plan; none of the doctor visits are covered.
I knew that the deductible was extreme, but I THOUGHT that at least doctor's visits would be covered by the 600-dollar-a-month plan. WRONG.
NONE of them are covered until the $3K deductible is met. NOTHING is covered. The rep said, "Oh, well...um.... most people at least come close to their deductible." BS.
And that wouldn't matter anyway because they still wouldn't have anything covered, and the new year would start and restart the 3K. Obama's penalties are barely one month's premiums, so it's worth it to me to dump this garbage and pay cash at an urgent care. Each doctor visit under BCBScam comes out to about $1900 (considering three months' worth of premiums and the visit cost), so paying 100 for a total urgent care visit makes more sense. DON'T get this insurance.
Most people at my workplace don't. I just wish I'd known; now I'm stuck until open enrollment in October.
Paying for not one benefit. ***
- High premium
- Being scammed
- Ignores emails
District 6, Tennessee
Waste of money and time
- - Customer reports difficulty getting wife's pain meds and poor coverage.
- - Alleges miscommunication and lies by BCBS and the pharmacy.
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!
- Customer service support
Preferred solution: Let the company propose a solution
I have been fighting since April for a Dexacom G7. I’ve been on G6 for several years and G7 is a newer upgrade.
BCBS denied it. We start over again with appeals, them wanting more documentation from Dr, etc. I’m leaving for a month and have no monitor for my Blood Sugar.
Today they claim they have no order! Never have I had such an experience.
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Customer Service
- - A doctor tried to advocate for the patient and arrange peer review.
- - On Tuesday at 2:30 pm, there was no one available to speak with the doctor.
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!
Nashville, Tennessee
They are terrible
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
Customer service is from the dark ages
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.
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Apparently, the company you work for chose to have cheap, high deductible health insurance coverage for their employees instead of a more costly, low deductible plan. You would have been given information on not only how much your premiums would be but, more importantly information on the yearly deductibles and how much Blue Cross would pay for various medical visits and procedures, etc.
The days of employers offering great medical insurance plans, at least for small companies is now gone. You can still file bankruptcy and get rid of most of these medical bills if the need arises. However, you should contact the hospitals, doctors, etc.
and tell them of your problems paying and see if you can negotiate a smaller amount(s) due and then devise a payment plan you can pay each month. Good luck, but don't blame Blue Cross---they sold what your employer wanted.