My husband and I just dropped our insurance coverage with Blue Cross Blue Shield of Illinois. We were paying high premiums as we are self-insured and never really getting any benefit. The only thing I ever got was letter after letter saying they were trying to dig up more information on my medical history and couldn’t process claims until they got all the information they needed. What this really seemed to be was a witch hunt trying to find any reason to disqualify a claim. Recently, they sent one saying they were waiting on information from a physician (an OB/GYN) who I saw AFTER the treatment date — treatment for asthma by the way — and AFTER I had already canceled my policy. When I called to notify of them, they said “we are doing a complete medical history”. I told them it seemed the information from this doctor was none of their business as it wasn’t HISTORY it was something that happened in the FUTURE … after the treatment in question. They didn’t care. They do this every time I submit a claim and to date, I don’t think they’ve had to pay for anything because my deductibles are so darn high. So why bother?
Gail
Tags: blue cross, blue shield