Blue Cross Blue Shield Of Illinois ripoff Does not provide benefits/coverage you pay for Chicago Illinois

You state that the er copay is waived if admitted. You do understand that once you are admitted, you now have your Inpatient copay (which is usually more than 2x the er copay)? You state your appeal was denied....you made out then. You ended up with the lesser of the 2 copays. Most HMO plans carry 50.00 er and 400.00 hospital copays. The rep can always go back and take back the er copay and apply the hospital copay instead...Sometimes it is better to keep your mouth shut on such things because when you look at the whole scope of things, you have it pretty good.

I work as a phone rep for an insurance company (not BCBS, one of their competitors) the reason that the copay was not waved is because there are two claims. The first claim is for the hospital you were seen in the er which only has an er charge, the second is from a completely different hospital for the inpatient stay. Chances are the first claim was processed before the inpatient claim which caused the processor to apply the copay based on the charges listed on that claim. I would contact your carrier and ask the representative to send the er claim back to a processor along with the inpatient charges so that the processor can see you were admitted to the hospital and perhaps get your $50 reimbursed, if necessary speak to a manager. Good Luck!

So a consumer takes out an insurance policy and is issued a certificate that states no $50 copay if admitted to hospital, consumer is admitted to hospital and insurance company dictates $50 copay is to be made. What bloody good is the certificate? Yeah Robert so they paid the main medical expenses, so what, its not the entire kit and kaboodle, are you suggesting the consumer should be "happy" that most of the claim was paid when in fact he is entitled to it being paid 100%, where does this reasoning come from? This is the type of story that really drives sensible people away from a company, I for one would have done everything this guy did, all the appeals, all the letters, all the complaints at least you are guaranteed to have monopolized several BCBS staff members time for days in their responding to appeals, getting authority to send letters etc., this surely cost BCBS more than $50 in lost productivity and is another shining example of how insurance companies will not spare any expense (even expenses 100x greater than what a consumer is questioning) to strike an appeal down. So Greg good on you for going through all the motions with this corporate monster, people like you who keep companies honest are few and far between. Robert maybe you should be prepared for somthing similar to happen to you and accept it, like having an insurance certificate that says you are covered for all medicines deemed medically necessary than having your claim denied because BCBS disagrees with your doctor.Gee, I guess as long as they pay something you'll be content, absurd.

I am the first to be grateful for what BCBS did cover. The whole experience was very traumatic and I was glad to not have to worry about paying for it on top of everything else. However, I am still angry about being lied to multiple times and that they would not provide the full benefits that I paid for. It wouldn't matter if it was just the $50 here or the entire claim. They were supposed to cover all of it and they did not. While $50 may seem trivial, it makes me wonder if this had been a bigger claim, what else would they have reneged on? If they can't be honest with the little things, they're definitely not going to be honest with the bigger things. Their multiple lies and failure to live up to their obligations says something about the type of people running this business. Fortunately (for me anyways, not so much for them), karma's a B**** and I will enjoy watching their fall when their lies, deceptions, and unethical practices bring them down.

I am the first to be grateful for what BCBS did cover. The whole experience was very traumatic and I was glad to not have to worry about paying for it on top of everything else. However, I am still angry about being lied to multiple times and that they would not provide the full benefits that I paid for. It wouldn't matter if it was just the $50 here or the entire claim. They were supposed to cover all of it and they did not. While $50 may seem trivial, it makes me wonder if this had been a bigger claim, what else would they have reneged on? If they can't be honest with the little things, they're definitely not going to be honest with the bigger things. Their multiple lies and failure to live up to their obligations says something about the type of people running this business. Fortunately (for me anyways, not so much for them), karma's a B**** and I will enjoy watching their fall when their lies, deceptions, and unethical practices bring them down.

I am the first to be grateful for what BCBS did cover. The whole experience was very traumatic and I was glad to not have to worry about paying for it on top of everything else. However, I am still angry about being lied to multiple times and that they would not provide the full benefits that I paid for. It wouldn't matter if it was just the $50 here or the entire claim. They were supposed to cover all of it and they did not. While $50 may seem trivial, it makes me wonder if this had been a bigger claim, what else would they have reneged on? If they can't be honest with the little things, they're definitely not going to be honest with the bigger things. Their multiple lies and failure to live up to their obligations says something about the type of people running this business. Fortunately (for me anyways, not so much for them), karma's a B**** and I will enjoy watching their fall when their lies, deceptions, and unethical practices bring them down.

I am the first to be grateful for what BCBS did cover. The whole experience was very traumatic and I was glad to not have to worry about paying for it on top of everything else. However, I am still angry about being lied to multiple times and that they would not provide the full benefits that I paid for. It wouldn't matter if it was just the $50 here or the entire claim. They were supposed to cover all of it and they did not. While $50 may seem trivial, it makes me wonder if this had been a bigger claim, what else would they have reneged on? If they can't be honest with the little things, they're definitely not going to be honest with the bigger things. Their multiple lies and failure to live up to their obligations says something about the type of people running this business. Fortunately (for me anyways, not so much for them), karma's a B**** and I will enjoy watching their fall when their lies, deceptions, and unethical practices bring them down.

Are you kidding me? You got coverage on thousands of dollars of medical help and you are crying over $50!

Maybe you should sit back and re-read your post and see how stupid it sounds. I bet there are many people in this country that would gladly pay $50 to have health coverage like Blue Cross.

I got it, why don't you post again asking if anyone would like to start a class action lawsuit because of the dishonestly of Blue Cross!

I have 3 words for you...... GET OVER IT!


I just wanted to thank you for keeping me entertained on a boring Friday.