Blue Cross Blue Shield AssociationReviews of bcbs.com

I have been on the phone for more than 2 hours on 1/5/2026. I never got through to talk to someone. I am now on the phone again 1/6/2026 for another hour now. BCBS needs better customer service. You need an online chat on the your main website page for customers to get the answers they need without the headache of waiting and hoping someone will pick up the phone. I got disconnected and never got a call back and now I am stuck in the que again. BCBS.....Do Better!

So I have to spend $8000 in deductible in order for them to pay for anything. I don’t even go to the hospital that much. And the reason why I won’t be going for any check up or other medical services. I would have kept my old insurance company something that usually cost me $200 is now over $1,700.

Blue Cross Blue Shield of NC's Healthy Blue plan has some issues that need addressing. The providers they work with, namely ECU Health will balance bill you and BCBS seems to be able to do nothing about it. The customer reps will tell you it's taken care of but months later you start getting collection calls. Online chat cuts you off even when you are keeping the window active and when you call it's a game of chance if you can get a live rep or not. I am a previous BCBS customer under a different plan and had no problem with them. Please consider the lack of support if you are considering choosing BCBS Healthy Blue as your Medicaid provider.

I have a service that is a required treatment that accepts blue cross blue shield, but this provider does not offer coverage for this service. Absolutely despicable service. If you have any alternative option, I would go with them. They are terrible provider. You’re better off paying out of pocket.

I am retired and my pay check is fixed except for a cost of living raise we usually get every year that turns out to be about $35 maybe $40. Every year we get a raise blue cross blue shield goes up on their premiums and every time it is more than my raise so really I am getting a pay cut. Blue cross is making plenty of money but it seems to be never enough for them. I wish they would quit be so damn greedy.

FEP Blue Shield Dental - I have $19,000 in outstanding claims from an in-network dentist beginning April through May 2025. BS insists I have other coverage that is primary which is not true. I have to "prove it". How can you prove something contrary to what's in their systems? I personally pay for my BS Dental premium, have received nothing but headaches, and hours, days, weeks on the phone with them. But no more. I'm going with another Dental plan in 2026 that is not BS. Ironically, my dentist is dumping them too.

My wife bought supplemental insurance from BCBS to supplement Medicare. In Feb. of 2024 she passed away. Around March 10, 2024, I received a letter from BCBS stating that they had deducted March’s premium from my wife’s account after she passed away, so they were working to refund the money. In April of 2024, I received two checks totaling a little over $300 as a reimbursement for those premiums, but they were made out to her estate account, which did not exist. My bank refused to cash the checks unless I opened an estate account, which I chose not to do. I sent the two checks back to BCBS with a letter explaining they were not acceptable, and that they had two options. They could reverse the transaction and replace the money from the account from which it was removed. If this was not acceptable, they could reissue the checks naming me, her late husband, as the payee. This was done at the end of April in 2024. I did not hear from BCBS again until April of 2025 when I filed a complaint with the BBB. After filing the complaint, I received a call from a secretary at BCBS who stated that they cannot make the refund because I did not provide them with the necessary documentation that they require to refund the money. I informed the secretary that I would not provide them with additional information because they had all the info they needed to refund the money, and that I do not negotiate with thieves, after which I hung up. I received a letter about a week later from the BBB stating that I had hung up on their representative and that they could not release any information regarding this problem because of sensitive health information. There is no sensitive health information because my wife is deceased. It’s now been over 19 months since they accidentally removed the funds, and they are refusing to reimburse me. This is starting to look more like less of an accident and more like a purposeful act to defraud me of a crummy $300 refund. If anyone is looking for supplemental insurance, I would strongly suggest they look elsewhere than BCBS of Illinois because of my poor experience with them.

Horrible customer service from insurance agent, just told me to call the 1-800 number and when I was asking him what the full number was he cut the call while I was speaking. Was very rude and seemed like he did not want to be on the phone. The company needs to hire better insurance agents.