Saturday 2nd of December 2017 10:07:35 AM
I'm a senior, I've paid tens of thousands of dollars to Blue Cross and Blue Shield in the last 35 years. The last time I had coverage with them prior to 2016-1017 where I specifically CHOSE them based on past experience, they didn't seem that bad. THIS time however, wow, corporations are considered people now and this one, like most, is psychopathic. They are not in the health insurance business to help the consumer in any way, they are in it to make obscene profits off of your blood and sweat, and put tons of your money into their shareholder's and management's pockets.I'd love to give them minus 10 stars and it wouldn't be close to enough. Please read all the reviews here and choose another company, but research them first. I had to go through Covered California to get covered, that is a separate horror story, but be aware that if you get coverage through a state exchange you will be in an even more horrendous circle of hell than if you buy coverage directly. They blame all their own lack of even minimal competency on the exchange, in fact they won't even speak with you, except to tell you you need to go through the exchange.So I did, twice, in mid December 2017 to cancel my insurance. I replaced it with Kaiser which thankfully in hindsight, I bought directly from Kaiser. I got confirmations of termination of the policy both times, but was billed in January, so I called Blue Shield directly again to get another "cancellation"! Mind you my premium had gone up from $636 to $778 to $1068 in just 2 years, with very little in the way of usage, meaning they made a very large profit off of me. I continued to get bills through March 2018 for the first 4 months of the year. I really had a massive fit at the 4th bill asking for $4,271.56, threatening cancellation, when I'd already made three cancellations! At the end of January I even filed a dispute with my credit card company to block the billing, because even the credit card company could see that IT WAS COMPLETELY FRAUDULENT!!! So then BS (** you know what) started sending me paper bills again. The bills say pay or be canceled, and I of course was expecting them to follow through and cancel, but this is what I learned: I had started looking for reviews, and found that they have a pattern of continuing billing and then sending the person who had canceled them to COLLECTIONS! BS would claim the person had "been covered" all that time, even in spite of the fact they had gotten health insurance elsewhere, thus attempting to take money that wasn't theirs, and creating a horror show of bills people couldn't pay, time lost fighting a psychopathic behemoth they couldn't spare, psychological trauma and damaged credit! They are committing breach of faith, and FRAUD! There were people who had to pay thousands to this company when they were actually insured elsewhere, due to this shady abusive bullying practice!I spent another 2 hours on the phone today, talking with another BS "supervisor" who was hoping I'd just hang up, and supposedly this time I am "truly canceled" and can ignore the bill, but I'm pretty sure they will just let it double and then hit me up with a $13,000 bill and I will have to get an attorney to sue them. I can't even come up with the words to say how much I DESPISE this kind of egregiously bullying behavior, especially on such a massive scale! These people are vermin!BS has already had several class action suits against them due to their corrupt policies within the market, but they don't seem to be held accountable for the damage they do on an individual scale. Please sign my petition which will be sent to the head of the California Department of Insurance. And for the love of all that is good and kind, please do not give this company your money!