Reviews

This is the WORST insurance I have ever dealt with....and I am an insurance broker! I was out of state and ended being hospitalized with idiopathic hypoglycemia. My blood sugars levels weren't even readable when the paramedics arrived. I am an extremely healthy athlete that doesn't take any meds. They couldn't stabilize me, so they admitted me to the hospital. After running several tests, they discharged me and told me to follow-up an endocrinologist for further evaluation. Unfortunately, they did not approve any of the special devices such as a ******** kit or pen (which, while I am traveling, could be life-saving). They also denied a Dexcom G7 because they didn't like the codes used. My doctor submitted it, and they said they never received it, so they denied it. If I end up dead due to their incompetence over a life-threatening situation, I will have my husband sue them. I have NEVER dealt with such incompetence and ignorance in my life. I am ready to change insurance companies, and I will NEVER recommend them to any of my clients. What a nightmare!

There phone customer service is horrible -- there was disturbance on the line so I could barely hear the agent; I tried to enter my birthdate; they kept on putting me on hold for "three minutes." After 20 minutes, they hung up.

Since 11/18, I have been on the phone with ***resentatives for over 8 hours -- being shuffled to different departments, dropped/hung up on, and receiving contradictory information. The ***resentatives are generally kind, but they have been unhelpful. My plan, which covers my daily medications and has been paid through December, was put on hold. I have not been able to get my medications, even though I was told a hold would be removed from my account. Two ***resentatives put in the request; I received notice on 11/22 that it was no longer on hold, but it is still showing as such when my pharmacy tries to use my insurance.I signed up for a plan after open enrollment to start in February 2024. However, my account was closed when I went to pay (admittedly a bit late) on 3/15. I called, and a ***resentative confirmed that my insurance had been canceled for non-payment, meaning I was only insured for February. I signed up for a new plan to begin in May 2024. Payments are up-to-date for my current plan, and I paid for the one month I was covered by the previous plan. All of a sudden, my current plan is on hold. After six hours, a ***resentative finally told me that it was because of non-payment from the first plan earlier in the year. They wanted me to pay for four months, including January (even though I had signed up after open enrollment for a plan to begin in February), and for the months I couldn't access my account and was told my insurance had lapsed. This is over $1k. I, of course, cannot see this account on my end and have to take the word of Blue Cross. During my time, I was told by the *** that he would process taking January off the bill and urgently request the hold be lifted so I could get my medications. I'm not so sure that is happening, as I was called on Friday and told my account was no longer on hold, yet my medications are still not covered. Even though I paid for this month, this hold has effectively made my insurance useless for November.

STAY AWAY IF YOU CAN!!!!!!!!! Overall the insurance totally is way over priced in its deductibles and Co-pays. Not to mention the customer service is a batch of in my opinion 3rd world operators you can hardly understand who read off a script in front of them. For the past 7 months i have been trying to get a billing issue resolved with no end in site. I have been made promise after promise that it would be **rrected to no avail. what makes matter worse you have no direct means of **ntact with the main Philadelphia office to **mplain to. So in short i have **ntacted the BBB to issue a **mplaint also have **ntacted my Congressional *** to ask how *** seemed to have a sole monopoly for health care insurance in **. We should have freedom of choice for great health care insurance Co`s in this state. Instead we have in my view a huge sub-standard ** with lobbyist in ********** lining political pockets to keep other health care **mpanies from doing business in ************.

We have a medical complex daughter and we have spend hours of our life each week calling to correct IBX's mistakes and make them honor what they are supposed to pay. The customer service agents are not helpful and routinely provide difference explanations.

If I didnt have to have private insurance from the Philly area, I never would have gotten insurance with them. Besides how expensive it is for almost no coverage, the customer service is the most incompetent, useless pack of people you could ever put in one place. I added my spouse to my policy in 11/23 after we were married in 10/23. After six weeks, we received our cards with the complete wrong name for her (since everything is done on the phone and apparently spelling things out with the **** alphabet isnt something they learn). When I attempted to remedy this, since my wife couldnt use her insurance we were paying for, they assured us they would fix the spelling and send new cards. Instead, they cancelled her policy completely. Adding her back in was a NIGHTMARE - they told us at first that we were out of the enrollment period (but I confirmed multiple times when adding / repairing her name in 2023 that we were automatically rolled over into a new policy starting 1/24). By MARCH, she finally had coverage, but then they decided to back-charge us for all the months we had initially been trying to get coverage (November - February). We had medical expenses we had to pay for out of pocket in this time since we had no active insurance, so we did not want to pay for this. Getting reimbursed was also a nightmare. We spent hours on the phone with this company 2x a month since 11/23. We finally got reimbursed, and then two months later, someone realized we hadnt been charged and recharged the entire amount. Cue starting the same process over again. When we could finally cancel (thank god) end of Sept, they still charged us for October. And guess what? Getting reimbursed also requires calling every week and being told my check will be in the mail within ************************************************************************************************* the mail within 48 hours. I hate this company so much. Socialize healthcare so we can dissolve scams like this please.

Discontinuing coverage of GLP-1 medications for weight management is underhanded and detrimental to the health of many of their customers. Patients work with their ********************** care providers to make the best choices for their health, especially for complex disorders such as ***************************, which contributes to developing life-long metabolic disorders such as insulin resistance (which itself contributes to uncontrolled weight gain) and hyperlipidemia. **** has no ***-approved treatments, but there are several studies on the positive impacts of GLP-1 medications on PCOS symptoms. GLP-1 medications are essential for treating these conditions before they develop into type 2 diabetes and cardiovascular disease. It is absolutely shameful that *** has decided they would rather people develop more severe health problems than prevent them in the first place in order to protect a multi billion dollar profit, and I hope they reconsider this decision. It places undue health and financial burdens on patients who are already struggling and finally found a medication which works to help treat their lifelong, incurable disorders.

**************** is very dysfunctional and it is unreasonably difficult to get ahold of a live ***** to get help. I couldnt afford my premiums and stopped paying in April. Independence sent me a letter saying I still owed one month for a ***** period even though they denied a claim made during that time. I tried calling six different times over the summer to sort out the problem. After waiting on long holds I got ahold of various *****s but my calls dropped multiple times and no one called back, and then I got put on hold to verify my information (again) for over ten minutes after giving my name. Im on hold today with my third ***** who just put me on hold after I explicitly asked her not to. I never really got to use my policy so I cant speak to that but the customer service is enough of a deterrent for me to never pay for these services again. Out of four different insurance carriers, this was my least favorite for these reasons.

I am beyond frustrated with Independence Blue Cross because they keep denying telehealth office visits with a specialist doctor for my husband, even though he has the ************* was confirmed with his corporate office that he does indeed have the coverage. In addition, it is clearly stated in his benefit booklet & contract that he has coverage for telehealth office visits with a specialist. They covered it with no problems in the past....but then randomly stopped covering it. (Ironically, they started denying the coverage right around the time BC walked off the job & went on strike). They admitted to us & the doctors office that it was their fault & a problem on their end. They adjusted a couple of claims....then went right back to denying telehealth visits. I have spent endless hours on the phone with them & am not allowed to speak with their claims department who processes the claims. A customer service **** that is somewhere out of the country, is the person who takes the calls & says that they will relay the information. I would not recommend choosing *** if you have other options!

Trying to get a question answered from customer service is practically impossible, I've spent 5 hours on the phone with them over a period of a few weeks trying to find information about my coverage. After being transferred to the wrong department 7 times I finally spoke to someone with answers. When I asked if they could send me documentation of what they told me over the phone I was told I'd receive it within 24 hours, it's been 2 weeks and nothing. I called back a requested the documents again, they told me it was sent to the wrong email and they would send it within 24 hours, that was last week and I have received NOTHING. The person on the phone gave me the policy number so that I could find it on my own on their website and that would be helpful if their website was easy to use and didn't constantly freeze. The whole thing is set up so that people give up and don't get the coverage they need. Why else would there be so many people working at customer service that have no idea what's going on. Its criminal.