Blue Cross Blue Shield of Arizona
reviews and complaints

Horrible service. they want me to pay them back money for a claim that it was their mistake they made then tell me they are sending me to collections. Worst insurance provider ever. they take no responsibility for their mistakes

We canceled my wife's Medicare Supplement policy as of 4/1/23. On 4/6/23, Blue Cross debited her account for $240 for the April premium. We have made atleast 20 phone calls and today is May 12th and we still have not received a refund of the amount they took from her account. Rather they have made repeated promises to pay and provided a number of dates when "the check was mailed." Last week, supposedly it was sent on May 3rd. Today we are told that it was "processed" on May 9th.

Applied for Medicare Supplement insurance based on rate noted on website as well as medicare.gov. Finally received cards but no premium notices. When we got notices rate almost doubled. Sent certified letter as well as called numerous times. Still getting premium notices. Wait time on phone is a sick joke. Over an hour. BCBS is a sick joke. Attempted to speak with someone at BCBS 2 hr hold time. Unable to cancel my policies. Keep getting bills and correspondence every week.

Several weeks ago I tried to get Wixela, a generic form of Advair, from my local pharmacy. I found out that insurance wouldn't cover it without first getting a prior authorization. The authorization was sent over and denied because I hadn't failed on Advair. I CAN'T AFFORD $200.00, when a generic is available at a fraction of the costs. Wixela is $45.00 for 90 days with my insurance, but it's not preferred. Advair, on the other hand, is $199.97 per month. In the meantime my Asthma just keeps getting worse and worse. I'm going to die of an Asthma attack because Blue Cross wouldn't approve life saving medicine at a cost I can afford. What is the point of having this insurance. They are completely useless. Hopefully I'm still alive if Blue Cross ever responds to this complaint.

I was laid off on 9/8. I elected COBRA and made the first monthy premium payment on 10/4 to the COBRA administrator. The administrator sent an email to BCBS to reinstate my coverage on 10/7. As of 10/19 BCBS claims they never received anything. The administrator sent me a copy of the reinstatemt form they sent to BCBS on 10/7. The administrator sent the reinstatment form to BCBS again on 10/19. The administrator called BCBS to resolve this, but BCBS put the administrator on hold for an hour then disconnected the call. I have an urgent need for healthcare given a diagnosis on 10/1. I need the insurance activated NOW, and the first month of coverage must start on the ACTIVATION date and NOT the payment date as I am still not getting what I paid for 15 days ago.

I am a healthy 58 year old female. I take only 3 medications; 2 for HRT and one for cholesterol maintenance. I cannot get my healthcare providers to refill these medications with my online pharmacy. I call well in advance for refills and the doctors dont send them in. I have been waiting 6 weeks now for a refill of rosuvastatin and the doctor has not called it in yet. I am now out and they cant be reached until Monday when Im back at work. The same happened with both of the HRTs with my gynecologists office. I finally had to get a paper prescription. Finally my pharmacy called them personally and got it filled. IT SHOULD NOT BE THIS HARD!If Im doing something wrong I wish someone would tell me and Ill do it right. My doctors are Az Maternity and *** (HRT) and *** (Banner Health)

I was hospitalized in *** in June . The hospital did not accept my insurance, Blue Cross Blue Shield of Arizona. I had to pay cash for my hospital stay which was over $30,000. I have been sending requested documentation to BCBS since September . All I get is the run around. I would submit what they request.. And a couple months later they would require additional documentation.. And the documentation they send me is a generic form in which they put a check *** on the documentation needed.. Every couple months they send me the same form with a check *** on a different document.. Where they should have sent the one document highlighting everything needed.. Here I am, almost 2 years later and have received NO compensation.. The last document sent to them was on December 14th.. I have heard nothing since.. I need to get my money back.. They continue to take my monthly payment with no issues, but they cannot reimburse my out of pocket costs..

Myself and my son's provider have been attempting to get his medication refilled since Jan 17th to no avail. The provider submitted a PA in Jan per policy that was denied several times. I then called in only to be told that this PA was not received and then while speaking to an escalations lead it was found and claimed to be in sent in incorrectly. None of this was told to the provider when they called in to verify it was received. Here it is March 1st and I am now being told that the PA was received on Feb 18th and due to the 10 day processing timeline for approval, I will have to wait until March 4th to know whether or not I can get my son's medication refilled or not. As of today my son is completely out of medication and all BCBS can say is "this is the process" and "there is no allowed override". Now my son has to go a week w/o meds when this refill and PA was done in more than enough time. Jan 17th to March 1st and still no medication! How ridiculous is this.

I have tried for the past 1.5 years to receive a medication approval from BCBS pharmacy. I have received nothing but a runaround from the. They have provided false information from some of the reps. *** Dr has submitted 8 times supporting studies to support the necessary medication need for every 4 weeks and BCBS will only allow every 58 days. This is causing additional medical hardship to my daily life and additional damage to my orgains. They are denying this medication due too coast and that is the whole reason THEY was retained for. I have made numerous calls been placed on hold and given answers just too appease me. They have lost documents and stated never received! I was told my claim was escillated with high priority too learn that means nothing! They are suppose too notify the patient and the Dr's *** of any and all decisions and they have not done this. This has been the worst experience I have encountered. They are messing with people's life's and this does not matter to them. Where is the help for the people against this GIANT!

Blue Cross Blue Shield of Arizona is my insurance provider here in ***. I signed up for health insurance through the Marketplace and I am eligible for subsidies from the government to cover my health care premiums. Part way through last year, my monthly subsidies increased as a result of the new administration in Washington. As a result, Blue Cross Blue Shield of Arizona owes me money for overpayment of monthly premiums and I have credit that I can use toward my future monthly premiums. BCBSA sent me a letter five months ago stating this. When I log onto my account with BCBSA, I am unable to obtain my balance and see if I owe money or not. I have requested BCBSA to mail me a monthly *** indicating my balance so that I can know what my balance it but they said they could not do that. The only way to obtain the balance on my premium payment is to call customer service at BCBSA and wait an hour on the phone to ask someone what my balance is. This doesn't seem right. I should be able to log onto my health insurance account and see what my premium balance is. I should not have to wait an hour on the phone on hold so that I can ask what the balance is.

I have spent countless hours talking to numerous people, transferring to lead persons and have been given promises of corrections and expedited responses since January 2022! For whatever reason BCBSAZ is trying to charge me back premiums for an older plan I previously had. They have also not reimbursed me for an overpayment I made on that previous plan in 2021. Instead they are now sending me regular "collection reminders" showing I owe thousands of dollars. I do not! To make it worse when a provider calls the insurance verification line it states that I haven't made a premium payment since January! How embarrassing is that? I have never missed a payment for anything and have excellent credit! Twice, I have requested but still have never received a complete premium payment history to help get this straightened out. I also was supposed to get a promised call on April 25, with the very least an update on my account repair, but once again, no call, no email. BCBSAZ admits this is their mistake but all attempts to correct have gone unchanged. I am now at my wits end and would like immediate reimbursement of my overpayment amount(s) and cancellation of my policy retroactive to January 2022.

BCBS made a change to my health care plan (was on ***) back in mid-January, 2022 (BCBS has admitted this was made by their mistake) which resulted in my *** credit being eliminated, so BCBS billed me for the entire premium in January. I switched to their *** plan on February, 1 (via the *** website), which BCBS has accepted yet their systems still show I am on the *** plan. I have spent over 15 hours with BCBS on the phone, each person I talk to acknowledges the mistake, says it needs to be fixed and each time I am told that this issue will be resolved in 3 to 5 business days (including last week with a supervisor), but it has been over 45 days with still no resolution, so I feel I need to escalate my issue.In summary, my issues are:1. In order not to be dropped by BCBS for lack of payment, I have nearly overpaid 2 months of premiums since this error was made. BCBS acknowledges the overpayment, yet I have not seen the overpayment credit.2. I have one medical claim so far this year and it was processed as if I was on the *** plan, which meant my co-pay was $75 (should have been $25), meaning I have overpaid my provider $50, as the claim has not been re-processed under the *** plan. I have additional medical expenses in the near future and my fear is that I will have to continue to overpaid for the services, as the claims will be processed as the *** plan, not *** plan.3. My network deductibles are wrong (the reflect the *** values, not ***), so again my claims are being improperly processed as the *** plan, not the correct *** plan.Thank you.

I have been trying to get a referral for a specialist approved so that I can get a pre-authorization for a medication approved for over a month. I have called and spoken to over 10 reps who all give different information. The first issue was that BCBS assigned a random PCP and didnt approve the initial request that MY doctor sent. I updated the doctor on file and had them resend the referral. Every other representative says different information, some say the document was received and that it just needed 3 days to be approved. When I call 3 days later the next representative says they dont have it and nothing has been done. This has gone back and forth. When I ask to speak to a supervisor they say they are too busy so I need to schedule a call back, which I did and never heard from them. So I call AGAIN, and the issues go on and on to a point where I dont see a solution happening. Causing me to continue to miss a medication that I need. I understand processing time frames are necessary but the issue is that my document keeps getting lost or something and nothing is being done to move my process along. No one is being held accountable. I finally spoke to a supervisor today when I called and escalated once again, she showed no empathy for the waste of time and money they have caused. Showed no willingness to help and even got upset when I questioned information that someone in her department provided. I have been billed for claims they have denied due to this ongoing issue. It is unacceptable for such a big company to have people like this representing and not care of a persons well-being.

BCBS requested additional information from my doctor for a prior authorization on 2 medications the doctor prescribed. The information was sent to BCBS several times since March 2022. I was given different information every time I called BCBS to follow up on this. I was told it was received and took 30 days to review, called back after 30 days and then told it was never received. Called the doctor and had them resend it, confirmed they had and called BCBS 4 days later and told not received. The back and forth went on from March until September. I lost my job with no warning in July and had to switch BCBS of AZ plans. When I called BCBS again in August I was told the documents had been received but since the policy was no longer active nothing was done. Then the rep I spoke to came back, after speaking to someone else, and said no, he was wrong and nothing was received. He told me that policy is no longer active and that the money I spent on the prescriptions would not be refunded once this was straightened out. I had to pay $545.77, April 12th and $559.56 March 11th for one of the prescriptions I need and $35.02 in March, April and May, under the old policy. I paid $559.56 in August and $641.89 in September for one and $37.59 in August and $38.09 in September for the other prescription. The copays should have been $150 and $15. I finally received an approval letter September 22nd from BCBS for these prescriptions. BCBS needs to refund me $1812.52 which they said will not happen because the first policy is no longer active. I called them and my doctor and followed up with both since March.

I bought the most expensive HMO plan BCBS had on the healthcare.gov marketplace. I pay $594 per month for an individual plan. BCBS has denied every claim I have had for simple medical visits at Honor Hospitals in ***, . BCBS does work with Honor, however they have subnetworks which were never disclosed to me when I bought my plan. So all of my claims have been denied because of this misleading hidden network behind the scenes. How could my insurance not work at Honor Healthcare? I have been going there for 22 years with multiple insurance carriers and have never had one claim denied. BCBS has always been the gold standard for health insurance. Why are they denying me? Honor has 6 hospitals and 70 other medical offices outside their big hospitals. I've paid $6,000 in rocket high premiums and I have NO coverage at the best hospital in ***! Having these hidden networks that exclude innocent faithful insured paying customers like myself is unethical and a deceptive trade practice. I have been descriminated against because I bought my plan thru healthcare.gov If this policy came from an employer I would have been covered for less money per month. I put all my trust into BCBS and healthcare.gov for the most important facet of my life, my health. I have no coverage at the most popular medical facilities in ***! I'm in grave danger due to this hidden omission BCBS has thru the healthcare.gov website. Let's say I have a stroke or heart attack and an ambulance takes me to Honor because it is close to me. I would have NO coverage and millions in bills to pay. I am scared and afraid as to what could happen if I did have a health emergency with this scam of a plan I was placed into. PLEASE HELP ME!

I had a different bcbs az plan Flyer the past year. When he switched to a new facility, we had to take a different bcbc az plan. Once it was time to refill my meds (specifically the one for heart failure that Ive been 6 months already) I cannot refill it without another prior authorization. My cardiologists office has made multiple attempts and its yet to be seen by bcbs. Ive gone Without my heart meds that act as a pace maker for 2 weeks now. When we called to speak with bcbs az for help, ***, (she refused to give her name until someone else joined the call) was not only rude, but laughed. . Out loud and stated it was the fault of cvs for not giving me a discount. That I must not need it that bad (I guess shes an expert on dysautonomia and *** danlos heart dysfunction?) and that shes a candidate for heart meds herself and were being ridiculous stating its immediately necessary. Weve not been able to get any solid information on what exactly theyre doing with the prior authorizations that my cardiologist has marked urgent. Im a mother with kids from *** yrs old and I need to have my heart medication or I can have a heart attack, seizures, stroke or other irreversible damage. Im at a loss for what to do when I cant obtain any medication. (This is occurring with my adhd and anti epileptic meds as well.) I now have 0 meds of 4 I require daily and have been on 6mo-15+ years. Please help me find out what they need to be doing. As *** stated, they dont call and ask for the authorization, its my job to get them what they need and give contact info and fax numbers and whats needed in the forms. She also told my husband (Dr. . *** obviously worked with ins often) that this is just how ins works and we need to get with cvs to figure out how to just pay full price and get over it if I need it.

Need urgent resolution as my tooth can be infected now. My crown fell off 9/4 & had x-rays at Hi-Tech Dentistry who said that I needed a root canal & buildup. Since I did not have dental insurance, am furloughed from my part-time job, I shopped different dentists for cost, found it would be cheaper with insurance than not, so I got BCBS Blue Dental Prime through my insurance, Blue Cross Blue Shield of Arizona. ID# *** Group Number *** Birthday *** but their rep *** got it wrong and so sometimes it only responds to 8/25/59 and they have not fixed it despite saying they would. In the initial and subsequent phone calls, ***, the customer service rep flat out told me that since I have the most expensive of their coverages, my root canal would be 100% covered after 10/1. I waited until after 10/1, scheduled a root canal with Asrari Endodontics (AE), gave my insurance information to them, Nikki from AE called BCBS at *** as usual and verified what she needed to quote me for the Root Canal. I was told because BCBS Blue Dental Prime (BDP) told them total out of pocket expense would be ~$412,, since from BCBS, it would be ~$300+, plus an uncovered by insurance 3D scan for $80 and $25 deductible. I also called BCBS to make sure that I would be covered. The root canal was performed on 10/14, I paid my out of pocket amount, and then to my surprise I just received a mail notification yesterday that my amount owed would $1,623 Claim#:***. During this time, *** (Hi-Tech, the original dentist) and *** also said they were in my network, and it was also written on the BCBS BDP list but then they claimed after calling BCBS, they are not. I have an urgent preauthorization request by Dentist LOAN DAO to perform a crown buildup that neither I nor Dao's office has heard back and I need to have the dental work done ASAP 100% coverage

Blue Cross Blue Shield of AZ(BCBSAZ) is giving me the run around on the cancellation of my policy. I have spoken to them about billing errors over the course of the last 3 months. I have been promised that it would be fixed by multiple reps and have had to waste 5 hours of my time over the last few weeks to accomplish zero. The billing is still messed up and here is the short of what happened. I was married last year on October 31st. Because I purchased the plan thru the *** (Obamacare), BCBSAZ told me to wait until the open enrollment period and then report my life changes, which I did. In January 2022 I was billed $139.10 for my plan thru 02/01/22. I paid this on 1/18/22. The next month, because my wife's income removed my subsidy I was billed $793.10. OK fine this was the March *** that I paid on 2/28/22. Then in March I go online to pay my *** for *** and there are 2 invoices, one for March one for *** and both $793.10. So I called them feeling that I paid March already and to give them the proof of payment. The rep tells me that because I did not pay the $793.10 in January it did not get applied. They also stated my Feb. payment was applied to January, my March to Feb., and I owed 2 month more for March and April. My first question was how? I paid my bills, you sent, in a timely manner. You never called me or emailed me to alert me to your errors and now you basically are telling me tough. Plus, where did my payment of $139.10 in January go? Their response...well we never apply partial payments. Then why did they not notify me and fix their own error? It slipped through the cracks. So after 2 more calls and 5 hours of my time totally wasted, I was told the March payment was applied and that my $139.10 will be applied to April and I will get a new ***. Logged on today...still not fixed and I am still 2 months behind. I cancelled the policy today. I am demanding my refund, payment of $500 dollars for wasting my time. Thanks

Arizona Blue Cross Blue Shield (AZBCBS) is my health care insurance provider. As part of their coverage and my benefits I am entitled (and they actually encourage) an annual wellness exam with my doctor. I received this exam on 2/21/22 from my doctor and as part of that exam had to have blood drawn the following day from an approved lab. AZBCBS paid my doctor appropriately the full amount but for some reason did not pay the lab. Instead, they put the amount of the bloodwork ($63.97) into my deductible amount and expected me to pay it. I have spent numerous times on the phone with AZBCBS, my dr., and the lab to get this straightened out. I have also filed an appeal with AZBCBS for their decision. Everyone on the phone agrees that the visit and lab work were part of the annual preventive visit and should not be charged to me, but for some reason I can't get AZBCBS to pay the amount.AZBCBS lists in my benefit book the following regarding preventive cost to me: $0 regardless of the location where services are provided if You receive one of the services covered as explained in the *** Services section in your Base Benefit Book; The procedure code, the diagnosis code, or the combination of procedure and diagnosis codes billed by your provider on the line of the claim indicates the service is preventive; and The primary purpose of the visit at which you received the services was preventive care. They also state elsewhere: *** services are those performed for screening purposes when you do not have active signs or symptoms of a condition. Your plan covers preventive services recommended by your provider and as appropriate for your age and gender..In the past several years they have paid this charge to my dr. and the lab without problem-but for some unknown reason are not paying the $63.97 this year.So, in conclusion, AZBCBS still owes me the $63.97 that I had to pay the lab for bloodwork that was performed as part of my annual, preventive exam.