Does anyone else have Blue Cross, Blue Shield Health Insurance.?!
Question: Does anyone else have Blue Cross, Blue Shield Health Insurance!.!?
Our insurance just switched this year!. We used to have United health and they were great!. Now with this Blue Cross it costs more and they don't want to pay for anything!. United would pay for one complete physical per year without even a co-pay!. Blue Cross not only charges the copay but want to charge us for blood work and tests!. This is easily the worst insurance we have ever had and the most expensive!. Anyone else have problems with these morons!?Www@Answer-Health@Com
Answers:
I had them a few years ago!. They refused to pay for something that they should have paid for!. I went around and around with them, and it would have went onto our credit if I hadn't just decided to pay them!. So if possible, I would switch companies!!!Www@Answer-Health@Com
I used to have Blue Cross/Blue Shield and I had to pay $15 copay for office visits, $10 for Rx's, and a copay for having tests done; but I can't remember how much they charge!. I never had any problems with them, I did think that the copay for the Rx's were sometimes outrageous, especially if there was something like an antibiotic that was to be taken for only like 7 days, and the regular price of the meds cost less!. but my pharmacy always just charged the cheaper price if there was one!.
I don't know if they've gotten more expensive since I had them!.!.!.I'm sure they did(like everyone else)!. But out of all the insurances I've had, they were the best ones I've had!. Anthem was the WORST I've had, and Kaiser Permenente doesn't let you pick your own doctors, you have to stay in network with them!. Good luck!.Www@Answer-Health@Com
I don't know if they've gotten more expensive since I had them!.!.!.I'm sure they did(like everyone else)!. But out of all the insurances I've had, they were the best ones I've had!. Anthem was the WORST I've had, and Kaiser Permenente doesn't let you pick your own doctors, you have to stay in network with them!. Good luck!.Www@Answer-Health@Com
Fed B/CB/S 105 does not pay dental or eye care!. You might want to consider that if you talk to your company!.The cost is already expensive, but if you buy a plan that covers those, the cost is greatly increased!. We carry two plans, which is costly, but neither plan covers eyes or dental!. B/CB/S is better than a previous plan!. My husband and I have thought a better plan would be to save the insurance premiums, and pay doctors cash, and have talked to some of them!. The Dr's!. we have talked to would be willing to cut costs drastically!. The only catch to that is, we are not covered for a catastrophe or seriously long illness!. (I think insurance plans offered differ from state to state!.)Www@Answer-Health@Com
i have always had them actually, and yeah i have to pay a co-pay!. but most of my tests and everything they paid for!. the only ting that sucked was when i had to go to the emergency room!. they paid for a bit of it but i paid alot on that one!.Www@Answer-Health@Com
yes I recently started using them bc my husbands job switched to them!.!.!.they suck!.!.!.they didnt pay hardly ANYTHING when I had my son!.!.!.i had a c-section & was in the hospital for 4 days so you can imagine what my hospital bills are looking like!.!.!.ughWww@Answer-Health@Com
Blue Cross has so many plans!. Sounds like you got one that is cheap for the company you work for and passes their savings on to you!. I have the Blue Cross 105 federal govt plan and it's ok, been downgraded over the 24 years I've had them though!. Yous is most likely better than nothing, but management told HR to cut the costs!. There are options!. Depends on how upset the employees are!. A few of you guys could bring about a change!. Companies have health care offered to keep employees not to upset them and cause them to look for jobs elsewhere!. I work with this stuff as a paid benefits educator in Florida and Georgia!.
Blue Cross can have options offered to you, which will give you a choice on what you want to pay and have paid!. The company is looking at the bottom line!. If they offer Blue Cross Options Plan, the company still pays the same amount!. You make a choice and pay the difference, usually not a lot!. If they offer a supplimental insurance company, you get a free educator, such as myself, and the company gets a tax break (IRS 125 is the law) and you get a discount by getting a tax break yourself!. I work for Colonial ( they started this stuff) , there's AFLAC, and a few others out there!.
If they don't offer one, they should!. They can change insurance companies tomorrow, if they want to do so!. They are not locked into a year, as some will try to tell you!. If they are using AFLAC they can open a Colonial plan or vise versa!. Change the carrier and it all changes!. They can offer United Health Care along with Blue Cross and a dozen more plans, if they choose to do so!. A few of you guys can make a change in a month, if you want to go through the trouble to do it!. If you're young, look into the new HSA plans, very nice tax sheltered annuity!. The tax shelter works as long as you use the money for health care!. I suggest this plan for the state employees here, who will have to pay 100 % of their health care costs when they retire!. They still get to stay into a group, which costs less and they can be insured!. Some folk in life can't buy insurance as thir health is too bad!.
My suggestion is!. Get a few of the other employees together and call Colonial Supplimental, AFLAC and
AIG Those are some of the larger education companies here!. If a used car salesman shows up, call one of the other guys haha There are options out there!. I'd use them and have!. I've been a union member for years!. One of the reasons for them!. To improve working conditions and educate the employees!.Www@Answer-Health@Com
Blue Cross can have options offered to you, which will give you a choice on what you want to pay and have paid!. The company is looking at the bottom line!. If they offer Blue Cross Options Plan, the company still pays the same amount!. You make a choice and pay the difference, usually not a lot!. If they offer a supplimental insurance company, you get a free educator, such as myself, and the company gets a tax break (IRS 125 is the law) and you get a discount by getting a tax break yourself!. I work for Colonial ( they started this stuff) , there's AFLAC, and a few others out there!.
If they don't offer one, they should!. They can change insurance companies tomorrow, if they want to do so!. They are not locked into a year, as some will try to tell you!. If they are using AFLAC they can open a Colonial plan or vise versa!. Change the carrier and it all changes!. They can offer United Health Care along with Blue Cross and a dozen more plans, if they choose to do so!. A few of you guys can make a change in a month, if you want to go through the trouble to do it!. If you're young, look into the new HSA plans, very nice tax sheltered annuity!. The tax shelter works as long as you use the money for health care!. I suggest this plan for the state employees here, who will have to pay 100 % of their health care costs when they retire!. They still get to stay into a group, which costs less and they can be insured!. Some folk in life can't buy insurance as thir health is too bad!.
My suggestion is!. Get a few of the other employees together and call Colonial Supplimental, AFLAC and
AIG Those are some of the larger education companies here!. If a used car salesman shows up, call one of the other guys haha There are options out there!. I'd use them and have!. I've been a union member for years!. One of the reasons for them!. To improve working conditions and educate the employees!.Www@Answer-Health@Com