Don's complaint:
July 29, 2012

Insurance Company: Blue Cross and Blue Shield Association
Coverage Type: Health Insurance

• PolicyHolder Service - Inadequate Reimbursement
• General - I feel abused by this company

I am a Chiropractor in San Francsico. Recently I and other Chiropractors receved a letter from Blue Shield of California that they were reducing reimbursment by up to 60% of our normal fees by reducing treatment time and a tiered system of reimbursement. As of September 1, 2012 they will only pay for 15 minutes of Chiropractic treatment, little or no physiotherapy, that is so important to the well being of my patients. As a result, patients wanting the estended services I provide, will now have to pay out of their own pocket to get it.

In a different letter and new application, Blue Shield has now stopped the insurance business and went into the "managed care" business. They are hiding under the guise of the Knox Keene Act, that has destroyed California health care and removed itself from regulations from the California Department of Insurance and under the ill-functioning California Department of Managed Care.

They wer the last good California insurance, but from my standpoint they moved below Cigna, which was at the bottom now for two years. I suggest going with PPO plan with Aetna or Blus Cross, but stay away from plans that reduce your benefits without even telling you (as they did their insureds)

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