Health Insurance in the Small Town

datePosted on 14:10, October 30th, 2013 by Small Town Mommy

A few months ago, I mentioned my extended battle to try to find health insurance.  I finally found something and moved forward.  Then Obamacare happened.  Now we are not going to get into the positives or negatives of Obamacare.  Those of you who have read for a while know that last April I was looking for health insurance and it turned out that I was uninsurable.  I had trouble believing it too.  Obamacare has changed that but it hasn’t made insurance companies any easier to deal with.  I spent 2 hours yesterday, being transferred from department to department at Anthem Blue Cross Blue Shield.  You would think at a big company like that, someone would know what they were talking about.  You would be wrong.

In all that time and speaking with ten people, only one even understood my question.  Just as I was getting completely frustrated (and possibly a little snippy), they sucked me into a completely false sense of comfort.  While she understood the question, she didn’t have an answer.  She transferred me to another department.  Bam!  Another person who didn’t understand my question.  For the record, my question was, “Is my local hospital a provider on the plan?”  It shouldn’t be that tough a question but apparently there isn’t a single person at Blue Cross Blue Shield who knows that answer (I even asked someone if there was anyone who would know the answer and was told, “No (at least they recognize their incompetence)!”

So, needless to say, I have completely written off Blue Cross Blue Shield.  I need my local hospital and no one seems able to tell me if it is part of my plan.  I think I will stick with a company that actually knows what it is doing.  Have you ever interacted with Blue Cross Blue Shield?  What are your thoughts on insurance companies?

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8 Responses to “Health Insurance in the Small Town”

  1. Melissa on October 30th, 2013 at 3:13 pm

    Anne, if you really like this Anthem insurance, call your local hospital, ask to speak with the billing dept or insurance assistant specialist, some kind of fancy name like that, and they will surely tell you yes or no if your insurance is accepted at this hospital.

  2. Sparkle on October 30th, 2013 at 6:12 pm

    Funny enough, I was going to suggest the same thing as Melissa. And I’m a cat, so I guess that means I am smarter than those insurance employees.

  3. LisaMoLisa on October 30th, 2013 at 7:34 pm

    Anne, when I had to purchase my own insurance I had Blue Cross Blue Shield. I know that plans, staff, etc. all differ by state, but I found them to be a good provider and one of the insurers that quality providers tended to accept. I found their member services to be extremely helpful [although you probably have to be a member to get through to this service]. Even to the point of when I had a billing person at an in-network service provider telling me that I had to give her a huge out of pocket payment when my annual out of pocket had been met it was BCBS who came through for me and gave her the big F.U. While the Affordable Care Act has made it possible to obtain insurance, unfortunately we still have to deal with insurance companies. Good luck.

  4. Pricilla - Famous SpokesGoat on October 30th, 2013 at 8:48 pm

    Insurance companies are the biggest problems with insurance

  5. blueyes on October 31st, 2013 at 12:47 pm

    It actually might be easier to call the hospital and ask them in the billing department if they accept it. We use BCBS here and I’ve never had any issues with them when I had it while at the hospital. Now I’m at the navy clinic and I’m gonna take the fine for Obamacare because I could get a plan on my own cheaper and with more benefits than what they offer.

  6. Lin on November 3rd, 2013 at 2:42 pm

    I’m not sure anyone has any answers in regards to the new insurance options. I have dealt with a few other insurance companies and I have to say that BCBS is probably the best of the lot. While you think they stink…it can get worse. A lot worse.

  7. Elle on November 4th, 2013 at 10:02 am

    I was going to suggest calling the hospital also. It seems they might know. Ridiculous that nobody there has the answer or can find it. You can bet if they were sent a bill from that hospital they’d be able to deny it pretty quick if it wasn’t a participating hospital.

  8. Meleah Rebeccah on November 10th, 2013 at 5:16 pm

    OY VEY!!! What a friggen nightmare.