BLUE CROSS LYING CHEATING SOB ripoff Los Angeles California

Benefit booklets and contracts that are written are not always all-inclusive lists of procedures that are allowed. A safe way to look at the benefit booklet would be that if it isn't listed, then it's probably safe to assume it's NOT covered, than to assume that it is covered because it doesn't say it's not.

Another common misconception is that your plan covers everything your dentist deems necessary, when in fact, insurance plans are really just insuring you against economic catastrophy or disaster should you happen to need major work done.

Also, a dentist may recommend a procedure that he/she feels would be best and another detist will tell you that it is not necessary. Keep in mind that dental offices are first and foremost businesses, too. So is an insurance company and a hospital. Their objective is to make money while providing you a service for the money they are receiving. Another point to keep in mind is that some procedures may simply not be covered by the insurance company on ANY policy they sell, so those particular procedures you might not find in a benefit booklet.

Also, some "below the gum" procedures could actually be medical in nature, so you might want to check with your health coverage instead of your dental coverage. The same goes with oral surgery procedures. You did not state what procedure you were referring to. Is it an experimental procedure? Those are also often not covered universally by insurance companies. One last point-Your plan specifics and how MUCH is covered is usually in direct proportion to how much coverage you or the group elects to pay for as a premium. Check with Blue Cross agaim and find out if other plans they offer at a higher premium DO cover this procedure.

Benefit booklets and contracts that are written are not always all-inclusive lists of procedures that are allowed. A safe way to look at the benefit booklet would be that if it isn't listed, then it's probably safe to assume it's NOT covered, than to assume that it is covered because it doesn't say it's not.

Another common misconception is that your plan covers everything your dentist deems necessary, when in fact, insurance plans are really just insuring you against economic catastrophy or disaster should you happen to need major work done.

Also, a dentist may recommend a procedure that he/she feels would be best and another detist will tell you that it is not necessary. Keep in mind that dental offices are first and foremost businesses, too. So is an insurance company and a hospital. Their objective is to make money while providing you a service for the money they are receiving. Another point to keep in mind is that some procedures may simply not be covered by the insurance company on ANY policy they sell, so those particular procedures you might not find in a benefit booklet.

Also, some "below the gum" procedures could actually be medical in nature, so you might want to check with your health coverage instead of your dental coverage. The same goes with oral surgery procedures. You did not state what procedure you were referring to. Is it an experimental procedure? Those are also often not covered universally by insurance companies. One last point-Your plan specifics and how MUCH is covered is usually in direct proportion to how much coverage you or the group elects to pay for as a premium. Check with Blue Cross agaim and find out if other plans they offer at a higher premium DO cover this procedure.

Benefit booklets and contracts that are written are not always all-inclusive lists of procedures that are allowed. A safe way to look at the benefit booklet would be that if it isn't listed, then it's probably safe to assume it's NOT covered, than to assume that it is covered because it doesn't say it's not.

Another common misconception is that your plan covers everything your dentist deems necessary, when in fact, insurance plans are really just insuring you against economic catastrophy or disaster should you happen to need major work done.

Also, a dentist may recommend a procedure that he/she feels would be best and another detist will tell you that it is not necessary. Keep in mind that dental offices are first and foremost businesses, too. So is an insurance company and a hospital. Their objective is to make money while providing you a service for the money they are receiving. Another point to keep in mind is that some procedures may simply not be covered by the insurance company on ANY policy they sell, so those particular procedures you might not find in a benefit booklet.

Also, some "below the gum" procedures could actually be medical in nature, so you might want to check with your health coverage instead of your dental coverage. The same goes with oral surgery procedures. You did not state what procedure you were referring to. Is it an experimental procedure? Those are also often not covered universally by insurance companies. One last point-Your plan specifics and how MUCH is covered is usually in direct proportion to how much coverage you or the group elects to pay for as a premium. Check with Blue Cross agaim and find out if other plans they offer at a higher premium DO cover this procedure.

Benefit booklets and contracts that are written are not always all-inclusive lists of procedures that are allowed. A safe way to look at the benefit booklet would be that if it isn't listed, then it's probably safe to assume it's NOT covered, than to assume that it is covered because it doesn't say it's not.

Another common misconception is that your plan covers everything your dentist deems necessary, when in fact, insurance plans are really just insuring you against economic catastrophy or disaster should you happen to need major work done.

Also, a dentist may recommend a procedure that he/she feels would be best and another detist will tell you that it is not necessary. Keep in mind that dental offices are first and foremost businesses, too. So is an insurance company and a hospital. Their objective is to make money while providing you a service for the money they are receiving. Another point to keep in mind is that some procedures may simply not be covered by the insurance company on ANY policy they sell, so those particular procedures you might not find in a benefit booklet.

Also, some "below the gum" procedures could actually be medical in nature, so you might want to check with your health coverage instead of your dental coverage. The same goes with oral surgery procedures. You did not state what procedure you were referring to. Is it an experimental procedure? Those are also often not covered universally by insurance companies. One last point-Your plan specifics and how MUCH is covered is usually in direct proportion to how much coverage you or the group elects to pay for as a premium. Check with Blue Cross agaim and find out if other plans they offer at a higher premium DO cover this procedure.

I am a former employee of walgreen co. I supposedly had a good dental plan for both my husband and I. I take my husband to the dentist, only to be humiliated and told that our insurance does not cover dental work "beneath the gums"; my husband needed his teeth cleaned and an xray showed he had tartar buildup beneath the gum. They could do nothing but send us away or pay full price. So we said no and left.
Blue cross was taking $10 directly out my paycheck every two week pay period. No where did I read in my benefits package that something was not covered. Nevertheless, blue cross was a hoax with their dental plan.

They don't have room to put your entire policy on the card.

The card shows the co-pays that you must pay up front for the visit. However, there may have been procedures done in the ER which are only covered at 80%.

Always read your policy, as well as the EOB and the itemized bill from the hospital.