Blue Cross of California Reviews

I wish I could rate BCBS of CA -1 stars. As a chronically ill, disabled person who worked in healthcare for 20 years before medical retirement, I have worked with and seen a lot of insurance companies in action. This company is by far the worst; it has the worst website, the worst app, and the most unprofessional and untrained/uneducated customer service representatives in the industry. Shop elsewhere if at all possible. This company should be investigated.

Anthem Blue Cross PPO acts like an HMO. You need prior-authorization for EVERYTHING. Need an MRI? Guess what? You can’t have an MRI until you get an X-Ray and a CT scan first. Can’t get a CT scan due to allergic reaction to Iodine? You get to take massive doses of steroids before the CT but you’re still getting the CT scan. We pay cash for a lot of specialty tests that the doctor recommends simply because of the red tape or the tests is just not covered.

Several times I was told by my doctor that "my insurance told them that it is ending" mysteriously in the middle of the month. When I call my insurance they have no idea what that is about. My claims were all initially denied. All appealed. All denied "in error." There is a strategy here. They are trying to ensure that you do not use the insurance you have paid for. They need to be fined and heavily. I couldn't even get the medicine I needed the first month because the insurance moved so slow and caused so many problems that I failed to get the services I was entitled to use.

I placed a grievance with the grievance department. I get a letter indicating that my grievance was submitted to a medical director, however the letter indicated that the grievance was with the incorrect physician. WHAT? What a waste of my time. They spend more time getting in the way of patient care than they do providing patient care. The entire system is in violation of patient's right to care. It's time for the elderly to demand that these health care plans adhere to the contract patient's rights. They are killing us by tortuously denying health care.

My mother has this PPO insurance. They do not approve needed services that are recommended by the doctors. They will find the cheapest alternative, with no concern for the member’s best interest. You are most vulnerable when you have the greatest health needs. There is a rehab center that helped my mother in the past regain her strength after she had an infection with sepsis. We had to fight and appeal to get her there. My mom had the same infection after a biopsy done at the hospital. We again are having to fight with this insurance. They have denied it and any decent rehab facility.

This is absolutely the worst insurance company in the world, scam is more like it. They charge a lot for PPO insurance, but they don't pay for anything, everything is denied or not covered. when we call them they give us the run-around, we will never deal with this scam of company again. No wonder they lost a federal case for 2 billion.

February 2023. I'm making this review in the hopes that anyone reading this during open enrollment will be able to make a better decision. No one expects to have a positive experience with an insurance company. But this one is far below average. The company is trying to boost profits by denying micro claims and it's just causing me way too much frustration. There is no reason for this but to squeeze every dime out of subscribers. I know our family's medical expenses are not covered. I know that this disease is too "new" and too "expensive" to treat. I get that and I pay for the insurance for emergencies only and for them to cover anything in the off chance that it falls under the "normal" treatment umbrella. So when my doctor prescribed an antibiotic, I assumed it would be covered. Well I assumed wrong. It needed prior authorization. Okay, I assumed it would be straight forward. Well I assumed wrong.

Nice insurance. Covers maximum regular lab tests and visits. Rare lab tests which are not covered. Annual physical covers all lab tests. Apart from this provide less out of network cost. Easy billing from insurance

Worst insurance company I had to deal with in my entire life. The coverage is pretty good when things are going well, but it is rarely the case, and the stress of dealing with them is not worth it. They deactivated my coverage twice in 3 month due to a billing error, which happened as a result of their poor billing system, not because we didn't pay. We called them to fix the issue, the latest update was basically "we are aware of the issue and working on it", I heard this message 2 weeks ago. They are obviously not doing a good job working on things because I am without health insurance for over 2 weeks now, while pregnant, I must add.

When searching for a supplemental plan for my mother's Medicare A and B plan, I decided to select Blue Cross. I noticed that most of the benefits included were already perks in her regular Medicare plan but since I was bombarded with letters and tv commercials regarding the great additional benefits I figured we would give it a try. This “additional coverage” only prolonged doctors' appointments because of the excessive requirements for referrals. I think these plans exist to represent the political power of organizations proving limited coverage for the elderly and proving political strength of programmatic structure forces against expansion