Blue Cross And Blue Shield Of Alabama
Reviews and Complaints

my childrens pediatrician has not received payment for a years worth of visits. we have tried to resolve this by other means for months and cannot get good responses. Product_Or_Service: insurance Account_Number: ***XXXXXXXXX

I have been paying Blue Cross and Blue Shield of Alabama thousands and thousands of dollars over the years and I am severely bowlegged and can barely walk in my doctor said I need a double knee replacement and even though I've paid these people thousands and thousands of dollars they are refusing to go by my doctor's orders and only agreeing to repair one of my knees when both of them are severely damaged

I have been attempting to get 2 years worth of out of pocket reimburshment. I have taken every step advised by BCBS and my pharmacy only to be disregarded and ignored. I am owed over 3000$. I have had BCBS. over 5 years with my employer. Recently upon contacting the company a woman named Shawnty talked over me. Refuaed to give me her name then hung up on me while i asked to speak to a supervisor. I am extremely disappoited in the character of employees at this business.

My son was recieved air ambulance services June 12th MedTrans flight was denied due to same services (emergency transport) on the same day. This was a life saving measure. Necessary flight determined by the hospital he was flown to which was Ascencion Sacred Heart in Pensacola, FL. The second flight was necessary due to Pensacola not being equipped or capable of saving his life. Insurance refuses to pay any further amount and continues to deny appeals based on maximum services. However without this service my son would have died.

BCBS is denying claims after telling me they would be covered. I called prior to my office visit. I asked about specific test, and was told test were covered. I went to the doctor office that they provided me with. They told me the office was in network. THey are now saying the test are not covered and the office is not in network. They are the ones who provided me with this information. There are 4 claims related to this totaling more than $2686 of Out of pocket expenses. They should not have provide the office information and told me claims would be covered if they were not going to be covered.

Insurance will not cover ambulance for emergency. My daughter had a medical emergency and needed to be transported to the pediatric ER by ambulance on 2/8 due an anaphylactic allergic reaction. We have since followed up with a specialist who also agreed that calling an ambulance on that date was medically necessary. Blue Cross has never made it clear that ambulance services were not covered and refuses to cover any of the incurred fees even though the doctor sent a letter stating it was necessary. My appeal was denied. What is the point of having insurance if insurance refuses to cover emergency medical expenses?

Blue Advantage,a Medicare advantage plan of Blue Cross Blue Shield of Alabama, offered gift cards to members for completing health wellness activities. I completed these in 2020 and was promised a gift card for $45. When I inquired why I had not received I was told it took 12 weeks from when charges are filed which could take 12 more weeks. In March I was told card was issued and never used so was canceled. I never received it. When I complained again I was told it would be reissues and it would take Up to 12 more weeks. In June I complained again and was told it was too late to reissue because too much time had passed. I continued to complain and was told in July that another card was being issued and I would receive in 10 to 12 days. Still no card. The company issuing the card is ***. No verification or tracking info on gift card has ever been provided me.

For 3 years, BCBS has rejected charges for bloodwork and scans. After additional paperwork they eventually cover charges; but, it requires A LOT of work. Each time they claim medical codes for illnesses have not been submitted to cover the charges. Last year, I spoke with 3-4 BCBS representatives who confirmed medical codes WERE SUBMITTED, but I still had to go to the doctor, get the notes, his signature, email copies, phsically mail them AND the lab. They also tried to reject charges for an annual scan to make sure I don't have CANCER ( they covered the year before). The tests & scan for the conditions in question are CHRONIC, meaning they cannot be cured & have already been proven 2 years prior to this. This year, they rejected coverage FOR THE SAME TESTS AGAIN. I asked this year before leaving for my physical. They showed me the CODES were included with the original paperwork. Do we really have to do this EVERY year? You are CONTRACTUALLY obligated to cover these charges.

05/01 policy BEGXXXXXXXXX premium $81 paid and 05/20 Dr visit not paid. Excuse: Doctor not added at time of application. They applied 06/08 and would not honor. No premium paid for 06/01 due to this. Bills came for June, July,August total $244. They drew subsidiary $1150 for May, June, July. 07/31/2 I terminated policy. 08/01 Market Health Place I qualified for higher subsidiary $1600. I applied and again only choice given BCBS Al, no others. Policy PGXXXXXXXXXX was given but restricted due to none premium paid. I had $0 premium for this policy. When spoke with representative they said the policies were attached together and I had to pay past premiums of $162 on old policy before restrictions on new policy would be lifted. This called was 09/01. I was threatened in billing that I would be paying back any subsidiaries that they collected .09/07 received mail stating they had cancelled new policy on 07/01 that was established 08/01. MP rep. said active 09/01.

On 12/26, I was transported from my PCP's office via ambulance to a hospital in respiratory distress secondary to COVID 19. My PCP contacted 911. Due to the Covid pandemic, ambulances were in short supply. AMR dispatched an ambulance from south of the Atlanta Metro area. I was hospitalized for 5 days. I was billed $2000.00 by the ambulance company. BC/BS denied the claim stating that AMR was out of network. I was very ill and not in a position to verify if the ambulance was in my network. Was I supposed to refuse that ambulance and wait for one in network while I struggled to breathe? I sent my medical records, a letter of medical necessity from my physician, and a letter from the ambulance company stating that the Covid Care Act should have covered this charge. BC/BS continues to deny the claim. I have been an RN myself for 35 years. I have cared for countless people. This is about greed and a total lack of respect for member's who pay healthcare premiums every month. I have filed a complaint with the Insurance Commissioner of GA and will retain an attorney if necessary. This is just wrong.

In July, I had my disabled adult child hearing with SSA. In August, I received a letter that I won my case. In September, I received several letters going back and forth about my new Medicare eligibility that ultimately ended with me being covered by Medicare as of December 1. This is NOT something I would have had knowledge of then as I only learned of this literally in September . On October 13 or right around that, we began messaging about the coordination of benefits because BCBS chose instead of arbitration to unpay all providers leaving me in the crosshairs. But THIS message from October 13 is of note: Dear ***, Thank you for contacting Blue Cross and Blue Shield of Alabama by email. I can assist with coordination of benefits. I'm showing that our became eligible for Medicare Part A and B due to disability effective 12/1. Your policy is secondary to Medicare which is why we are taking back the money we paid on claims as we paid out of order. The providers of service filed to Medicare first. Medicare will then send the claim over to us electronically for secondary processing. Other than coordination of benefits, please let us know if you need additional assistance. Sincerely, *** Customer Service As of date, BCBS has still not upheld their end and they are essentially THIEVES.

Due to COVID 19 my dental office was not accepting patients. I went to the ER for treatment. BCBS denied coverage because the visit was deemed dental. I had my wisdom teeth removed in February this year and in March I began to get sick and my jaw began oozing green drainage. It was making me extremely sick. I called my dental office and they were not taking patients at the time due to COVID 19. I went to the ER at a hospital that I WORK for to receive treatment until my dental/oral surgeon office could see me because I did not want the infection to spread to my blood stream. I received some antibiotics and I got better. I just received a two statements in the mail. One for $1132.00 and one for $404.00 because BCBS denied coverage due to my visit being deemed as a dental visit. I tried calling customer service to make them aware of the situation, but they stated that there was nothing that they could do. This insurance takes a big chunk of my paycheck every single pay period, but leaves me with a huge bill during a pandemic. If I could have gotten into my oral surgeons office right away I would have, but I could not and I was physically getting sick at work and went straight to the ER right after because I was scared that the infection had spread. There should be a loophole for certain situations during this pandemic because this is absolutely ridiculous and I feel betrayed by my own insurance company.