Blue Cross and Blue Shield of MichiganReviews of bcbsm.com

I've been working toward getting surgery and BLBS decided, as soon as my deductible was met, to be smarter than my doctor and deny necessary pre-op medication. My doc had to appeal (which took a month). Then went to an "authorized" infusion center (BCBS had requirements) and had to get pre-authorized again (took a week). So, because BCBS thought they were smarter than the doctors, it took almost 2 extra months (and now we're nearing the end of the year) to get scheduled for surgery. It's all about money to them. I pay over $500/mo for insurance and they are definitely not looking out for the patients, but they are looking out for their shareholders.

Every time you’re in need you can count on this company NOT to be there for you. I’m a type one diabetic and forgot my insulin at home because it needs to be refrigerated so of course it’s the last thing to be packed. This is something that should simply require a one time vacation override at the pharmacy due to refill too soon. With any other insurance thanks all it would be. With BCN however I called on Sunday and still don’t have anything resolved today, Thursday. The pharmacy was blocked from being able to do the override themselves, so they told me BCN requires me to call them myself. No matter what phone number I tried no one was able to help me or I would only get a recording. Even on their so called emergency phone option it was just a recording. I finally just paid out of pocket for it myself and I’m now starting down the long process of reimbursement. Exactly what I wanted to do on my vacation.

I ended up with $30K+ medical bill because they forgot to send the correct pre-authorization information to my medical provider. They approved for a self-administered shot of a prescription, but they didn't attach that letter to the pre-authorization form they sent to my medical provider. Now, they are basically refusing to cover for the medical treatment for their mess up.

all I needed was a letter for the reason that they were denying my so that my secondary insurance would pick it up and pay for it. I waited on hold for about an hour to get through to a representative that barely spoke English. he did try to help but could not get me the letter. I Requested a supervisor call me the next day I thought maybe someone with more authority could help but unfortunately,he could not do anything about getting me a letter either.I don’t know what is so hard about typing up a real quick letter and emailing it to me. To be able to get my claim covered. Blue Cross and Blue Shield should be ashamed of what once was great company has turned into. I am very dissatisfied with the service received. And I also feel it is very sad for the state of their company.. sincerely Tim

BCBS of Michigan is my company provided Health Insurance. Had numerous issues with their claims department since we have had this insurance company. They just keep moving the goal posts and making excuses to try to deny claims that were previously approved for several years. My wife spends hours a week on the phone trying to fix things with these clowns and has to deal with their incompetence and excuses all the time. This delays us getting our money back. Avoid this insurance company. Their customer service is terrible.

They have denied my appeal again had ct scan and biopsy and the radiologist recommend a PET Scan and they won't cover it. This is the worst insurance company ever!!!!

This company has made many mistakes with billing, costing my partner and I over $2000 that should have been covered, and peace of mind about our coverage. We have called multiple times for multiple offenses, and they never know what is happening with their system. I had coverage, and my provider was in network, yet they did not know why the system wasn’t agreeing to reimburse me. It went through several rounds of people, and was never resolved. Most recently, we were told we no longer had insurance, and when we called the provider multiple times, they did not know what happened, we were told our case was escalated, and yet it is still unresolved. My partner will need an MRI and surgery soon, and we have no idea if we’re covered, or why we might not be. And no one at this company knows why or how to help. It feels absolutely helpless. Unfortunately, there is no alternative for us, since our providers only take BCBSM, so we’re stuck. I wish their system worked, I wish they knew how to help, and I wish they didn’t keep issues unresolved.

Getting through to a BCBSM customer service rep is impossible! I called them on five separate occasions to get prior approval for medical treatment. But I keep getting a message that call volume is too high and to call back another time. Then it hangs up on me without providing an option to wait on the line. I also sent two messages via their mobile app over a week ago but still haven't received a response. In the past 20+ years, I've had health insurance with all the major insurers, including Kaiser, but have never experienced such poor customer service before. My insurance for next year will definitely not be BCBSM.