Anonymous
map-marker Houston, Texas

Actually quite happy

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Since BCBS of Texas has been very reasonable and supportive of my wife and me, I wanted to put in a good word. They have never failed to come through when we needed them. And I have always found customer service to be helpful and polite. I am sorry that others have had such a bad experience, but, honestly, I have been pleasantly surprised.
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User's recommendation: Best ACA Texas plan imho

porterowski R

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Verified Reviewer

Disgusting excuse for health insurance

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I pay over $3000.00 for health insurance, per month, for myself and my wife. It is the highest level insurance BCBS of Texas offers. For this amount, you would think they would pay for a generic drug which costs less than 50 dollars. They do not. I objected, and a non medical person told me it was "not medically necessary ". I told them the physician thought it was medically necessary, and that is why the physician wrote the prescription. It seems the non medical people are practicing medicine without a license...
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Cons:
  • In entirety

Preferred solution: Apology

User's recommendation: Horrible

Reuben J Cjq

Stay away from this scam!

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They will spend more time and money trying not to pay your claim than it would cost just to pay the claim. They are not here to help you. Their customer service representatives are just paid to answer the phone and tell you no. They have no clue what is going on and refuse to let you talk to a supervisor. They probably make between 4 and 5 billion dollars per year and they refuse to pay for $1500 test for their customers. Worst insurance I have ever had.
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Loss:
$5500

Preferred solution: Full refund

User's recommendation: STAY AWAY!!!!!

Anonymous
map-marker Houston, Texas

To hopefully help people make a better decision for insurance provider.

Garbage. They only cover office visits. If you need a procedure or test they will devote 1000 man hours trying to make sure its not covered. This company doesnt care about the health and well being of their customers because they so t have to pay the life insurance claim if you die.
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User's recommendation: Find another insurance company. If this is employers plan complain to your benefits department.

Laura C Wqg

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Verified Reviewer

Nothing is covered

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Pretty much their mode of operation is to deny every claim. I thought BCBS was supposed to be better than UHG and Aetna. I would say that after five months, that is clearly not true. I feel sorry for anyone who has BCBS and has to navigate the process of having their claim addressed and paid.. Pathetic!
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Loss:
$3
Cons:
  • Do not pay claims

Preferred solution: Full refund

1 comment
Reuben J Cjq

Agreed 100%

Joyce F Grj

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Verified Reviewer

NEVER got service

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I paid my own premiums through Texas State Continuation Coverage. BCBSTX NEVER updated me in their database as having current coverage.

Thus, everytime I tried to get healthcare, I showed up as being uninsured. My doctor ordered a hepatobiliary test. I tried for months to get it. I spent over 16 hours on the phone with BCBSTX, just trying to get them to update me in their system.

Customer service reps were CLUELESS. Multiple times they transferred me to other states. One even transferred me out of BCBSTX to the healthcare exchange!

Yet, they were taking my premiums. I NEVER got the test before I left the state.

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Cons:
  • Actually a rip-off to take premiums and not put customer in system

Preferred solution: I would like for them to pay for my hepatobiliary test.

User's recommendation: RUN!!!

Michael P Bzw

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Verified Reviewer
| map-marker Big Oak Flat, California

Denied medical treatment

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I've had two MRIs over the last 2 years. I have spinal stenosis, a couple of ruptured discs, and several facets deteriorated to the point of bone on bone. I can't walk through the grocery store without back pain and leg numbness. Once again insurance (Blue Cross Blue Shield of Texas) has denied treatment. The procedure was recommended by one of the top doctors at Precision Spine Care in Tyler, world renowned, can't get it approved. What a scam our country is playing on us when it comes to medical care.
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User's recommendation: Use a different healthcare company if you can

Anonymous
map-marker Salt Lake City, Utah

Poor Customer Service

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Each and every time you call to get benefit information you are on hold for an average of 2 hours. They believe that their IVR system tells you all you need to know, but it doesn't. This clearly creates a delay in care. Horrible customer service.
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User's recommendation: Avoid at All Costs

Pepper A

Disgusted with service

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I called in today(3/2/2021) to find out what is covered as far as birth control and instead of helping me I was directed to a site that didn't explain a damn thing. I have been trying to get my prescription taking care of since we switched over to BCBS in January(1st week). I HATE IT! This insurance doesn't cover anything none of the Dallas doctors take it. Its useless I have to go to CVS since BCBS doesn't deal with Walgreens anymore. CVS doesn't have anything you need, and they are overpriced. WIsh the city would have stuck with CIGNA
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Cons:
  • Bare minimum medicine covered
  • Customer service which is not patient enough
  • List of whats covered

Preferred solution: fix whats covered

User's recommendation: find another source of insurance.

Anonymous
map-marker Dallas, Texas

Live customer service.

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It is hard to get live customer service. Wait time is about 2-5 hours. Other insurance companies has live person you can talk with if there is any question.nan
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Joseph K Dxs

I pay to get screwed!

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It happened again. I pay for BCBS to screw us on prescriptions. Got a generic antibiotic today for $34.62 through the FREE GoodRx app that BCBS wanted $119.00! Less than a third! I also get a generic Crohn's Disease drug for $90 GoodRx and over $300 through BCBS! Again less than a third! I hear a lot of politicians talk about drug prices but no action. Does anyone have a good explanation?
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Loss:
$85
Cons:
  • Claim processing

Preferred solution: Price reduction

User's recommendation: use FREE GoodRx

Suzanne M Dqb

SERVICE IS TERRIBLE

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I called regarding health insurance for my daughter while she was in between jobs. The reps were sure fast on signing her up and when she paid she still didn't receive her enrollment card.

Then she called again. After a month and a half she had not rec'd her enrollment card and it turns out that they had her enrolled and they were supposed to take it out auto but that got screwed up too. So, as it is now - my daughter didn't have insurance and was supposed be issued a refund 3 weeks ago. The gal said that it would be there 7 l- 14 days.

its been three week no refunds. This is absolutely unacceptable. This has been messed up from the February 2020.

I called today and was disconnected twice. This unacceptable as well.

Don't you people care. The reps should be on this asap as well as customer service.

View full review
Loss:
$700
Cons:
  • Coverage
  • Claim processing
  • Bait and switch

Preferred solution: Full refund

User's recommendation: Don't buy insurance from people who don't give a rip

Anonymous
map-marker Houston, Texas

Blue Cross Blue Shield of Texas sucks

I am extremely tired of the runaround. BCBSTX is doing everything they can to avoid providing coverage for a prescription that my doctor authorized. I am a business owner and I provide coverage for myself and my employees through BCBSTX, but I am sick of them taking my large monthly payments and then doing everything to avoid providing coverage. I will be dropping them ASAP.
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User's recommendation: Don’t get BCBSTX

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Quintan Bxe

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Verified Reviewer

Dont cover much

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We pay a lot through my husband's employer. As of this summer my daughter is fighting a rare autoimmune disease that is attacking her brain, she also needs orthodontic braces, but the only way BCBStx will cover them is if she has a crossbite. She doesn't but she does have so much overcrowding that when she goes for cleanings, it will be very detrimental to have her teeth properly spaced or bacteria could make her have a flare. flares and illnesses van make her OCD worse which in return will make us have to have IVIG as a treatment which is nearly 15000. Thanks bcbs of texas for covering nothing.
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Cons:
  • Coverage
  • Customer service
Genny G Vpm

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Verified Reviewer

Appalling. Simply appalling.

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Updated by user Oct 10, 2019

October 10: I sent BCBS the information they 'needed' and STILL have not received the check for the $280 they AGREED to pay. If they think I am letting this rest, they are sadly mistaken. Maybe time to talk to my lawyer about this matter?

Updated by user Aug 16, 2019

August 16 update: I have not heard a single word from BCBS and STILL have not received the payment ($280) that they previously AGREED to pay. How is it that companies like this are allowed to get away with this garbage? Sadly, I realize that there are people owed 10 or...

Original review Jul 17, 2019
My husband died in February of this year after a long battle with cancer. Although we live in Wisconsin, the family coverage policy was through BCBS/TX per his employer.

Following his death, I had numerous bills to deal with, including two from separate ambulance providers. Both of these were 'out-of-network.' I then had to make one call after the other to BCBS regarding these bills and the agreed-upon portion that they would pay. Although the first of these claims was (finally) paid, BCBS has NOT paid their portion for the second claim. After my complaint to the BBB, I received a ridiculous letter from BCBS/TX, letting me know that before they can send a check in MY name for this amount, that I have to prove I am 'the estate.' What???

I uploaded a copy of my husband's death certificate as proof, listing me as his spouse. My name was also listed on the insurance policy as a covered individual. I have absolutely had it with the disgraceful and petty 'response' from this company and have no intention of letting this matter drop until I receive a check for the amount that they previously AGREED to pay.

This company rakes in a fortune each year from their policyholders, but refuse to pay me the $280 that they said they would? Disgusting.
View full review
Loss:
$280
Cons:
  • On hold forever
Reason of review:
Problems with payment

Preferred solution: Full refund

Caitlin R Cao
map-marker Seabrook, Texas

EXHAUSTED

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I just got BCBS Tx in Feb 2019 and it has been one big nightmare dealing with them!

They transfer you about 5x each call and you can never speak ro same person you told problem to so you have to start all over!

I am coming from a PPO and have never had ANY problems w getting my monthly medication injection but w them it is one fiasco after another!!

Ex keep sending prior auth form to old DR OVER AND OVER even though I call and tell then each month it's wrong

I have to have this meds 26-31 day window and I even call and confirm weeks before it is due.

I have spend 40 hrs on the phone w them ( yes I keep a record with time) since Feb 1 2019!

I have 20 pages of documentation of notes I have taken

**** BTW- if it matters- I have the highest most expensive plan a person can get!! I pay $480 a month

View full review
Loss:
$2500
Cons:
  • On hold forever
  • Bait and switch
  • Poor communication within its own company
Reason of review:
Poor customer service
1 comment
Guest

Everyone needs good healthcare, everyone hates the health insurance companies along with the pharmaceutical companies. Everyone should know what the ACA did for us, it established the following; standardized policy/coverage, no policy max, no preexisting, insurance companies must spend 80% of gross receipts for coverage. I say the ACA was phase l now it's time for phase ll and Republicans have nothing to offer on healthcare just tax cuts for corporations.

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Related Companies

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Summary

Blue Cross And Blue Shield Of Texas is a health insurance company. The company was founded in 1929 and is a part of Blue Cross and Blue Shield Association of America. BCBSTX is run by President Bert Marshall, a former grad of University of Oklahoma. The insurer cooperates with more than 80 000 skilled medic professionals in many hospitals around the globe to guarantee quality health care services to its customers worldwide. Health benefits offered by insurance plans of Blue Cross And Blue Shield Of Texas vary and include newborn care, chronic decease management, hospitalization, mental health disorders treatment, and prescription medicine among others.

Blue Cross And Blue Shield Of Texas reviews and complaints

Blue Cross And Blue Shield Of Texas is ranked 292 out of 1820 in Insurance category

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